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HSBC Life Shield

A health insurance plan that covers your hospitalisation needs, offers guaranteed renewability and a suite of value-added services to help you live well.

Shield yourself for a life of confidence

HSBC Life Shield[@life-shield-medisave] is an Integrated Shield Plan that complements the Singapore MediShield Life plan. It provides you with a wide range of benefits to cover your everyday healthcare needs, from pre-hospitalisation to post-hospitalisation. 

Key benefits

High annual coverage limits

Enjoy a high annual coverage limit of up to SGD2.5 million and private hospital coverage for treatment within our panel of specialists if you choose Plan A.

Get covered for pre-existing medical conditions

Gain the flexibility to have more inclusive coverage with the option for selected pre-existing conditions[@life-shield-pre-existing-conditions] to be covered based on underwriting assessment.

Get more from our value-added services

Receive preferential rates for consultations at our panelFootnote link 2[@life-shield-value-added] clinics as well as remote consultations[@life-shield-telemedicine] with our appointed partner, including free home delivery of your medications when you opt for remote consultations. Letter of Guarantee (LOG) of up to HSBC Life Shield annual limit can be issued prior to your hospitalisation or surgery if you are attended by HSBC Life panel of specialists or extended panel.

Future premium discounts with HSBC Life Enhanced Care II Plan A rider[@life-shield-savvyclaim-reward-for-plan-a]

With SavvyClaim Reward, you can receive discounts on your future premiums when you make smart healthcare choices.

Additional features and benefits

  • New – outpatient dementia cover[@life-shield-pre-existing-conditions] with HSBC Life Enhanced Care II rider
    With the rider for Plan A or Plan B, you’ll have coverage of up to S$500 per policy year for outpatient dementia consultation and prescriptive medication.
  • 10% discount on first-year premium for new sign-ups[@life-shield-first-year-discount]
    Enjoy a 10% discount on the first-year premium for your base plan and rider as a new sign-up. If you’re a public officer, you will enjoy an additional 10% discount on first-year base plan premium for you and your family members[@life-shield-first-year-discount]. Terms & conditions apply (PDF).
  • Extended coverage
    For treatment by panel specialists or at restructured hospitals, you’ll be covered for up to 180 days before admission to a hospital, and for up to 365 days after you’ve been discharged.
  • Lifetime guaranteed renewal
    Safeguard yourself and your loved ones with guaranteed and lifetime renewability under your HSBC Life Shield plan, at every stage of life.

Choose from 3 plans for different levels of protection

The following table shows a summary of benefits offered under Plan A, Plan B and the Standard plan.
Plan Maximum annual limit
 Hospital ward entitlement Major organ transplant Inpatient pregnancy complications
Plan A SGD2,500,000 Standard room at a private hospital and below As charged As charged
Plan B
 SGD1,000,000 Public hospital ward class A and below As charged As charged
Standard plan
 SGD200,000 Public hospital ward class B1 and below Not covered Covered under general benefit features
The following table shows a summary of benefits offered under Plan A, Plan B and the Standard plan.
Plan Plan A
Maximum annual limit
 SGD2,500,000
Hospital ward entitlement Standard room at a private hospital and below
Major organ transplant As charged
Inpatient pregnancy complications As charged
Plan Plan B
Maximum annual limit
 SGD1,000,000
Hospital ward entitlement Public hospital ward class A and below
Major organ transplant As charged
Inpatient pregnancy complications As charged
Plan Standard plan
Maximum annual limit
 SGD200,000
Hospital ward entitlement Public hospital ward class B1 and below
Major organ transplant Not covered
Inpatient pregnancy complications Covered under general benefit features

All 3 plans do not have a lifetime limit. That means you can enjoy guaranteed renewal of your plan throughout your life. For more details on what each plan covers, please refer to the product brochure (PDF).

Lifetime premiums: From 1 April 2024 onwards, you may refer to the Ministry of Health website for a comparison of Integrated Shield Plans (IPs) across all insurers. This includes the estimated premiums you'll have to pay for an IP over your lifetime.

What's not covered

This policy excludes:

  • Pre-existing conditions
  • Treatments for intentional, self-inflicted injury or illness
  • Treatments for abuse or misuse of drugs or alcohol
  • Treatments for illnesses related to STD, HIV or AIDS-related illnesses
  • Plastic surgery procedures
  • Other exclusions as listed in the general provisions

An additional rider you can opt for

You can also add the optional HSBC Life Enhanced Care II to your plan for extra coverage. Open the accordion to see more details.

HSBC Life Enhanced Care II 

Enjoy premium discounts with SavvyClaim Reward[@life-shield-enhanced-care-plan-a] 

Are you eligible?

You must be a Singaporean or permanent resident (PR) to apply for HSBC Life Shield. The entry age depends on which plan you want to apply for.

HSBC Life Shield Standard plan:

  • For the life assured: 15[@age-next] days, no maximum age
  • For the policyholder: 19[@age-next] years, no maximum age

HSBC Life Shield Plan A and Plan B:

  • For the life assured: 15 days to 75[@age-next] years
  • For the policyholder: 19 years to 75[@age-next] years

HSBC Life Enhanced Care II Standard plan, Plan A and Plan B:

  • For the life assured: 15 days to 75[@age-next] years
  • For the policyholder: 19 years to 75[@age-next] years
 

Summary of options 

Product brochure and documents 

Contact us to get started

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Other ways to apply 

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Notes

    Important notes 

    HSBC Life Shield is underwritten by HSBC Life (Singapore) Pte. Ltd. (Registration number 199903512M).

    This webpage contains only general information and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. This is not a contract of insurance and is not intended as an offer or recommendation to buy the product. A copy of the product summary may be obtained from our authorised product distributors. You should read the product summary before deciding whether to purchase the product. You may wish to seek advice from a Financial Advisers Representative before making a commitment to purchase the product. In the event that you choose not to seek advice from a Financial Advisers Representative, you should consider whether the product in question is suitable for you. Please also refer to the general provisions for the exact terms and conditions, specific details and exclusions of this product. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. It is detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

    This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association Singapore (LIA) or Singapore Deposit Insurance Corporation (SDIC) websites: www.lia.org.sg or www.sdic.org.sg.

    This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 1 April 2026.

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