Protect what you treasure most
HSBC Life SmartCare Optimum Enhanced offers you a wide range of benefits to cover your everyday healthcare needs. Select from 4 plans based on your needs, and add a dental rider to further boost your protection.
Key benefits
Choose from 4 levels of protection
Compare the key features between the plans
All 4 plans offer:
- inpatient and day surgery benefits
- coverage for congenital conditions, available after a 24-month waiting period and up to the limit stated for the plan
- inpatient psychiatric treatment up to the limit stated for the plan
- coverage for miscarriage due to accident and ectopic pregnancy up to the limit stated for the plan
- coverage for surgical implants up to the limit stated for the plan
| Plan | Maximum annual limit | Outpatient benefits | General practitioner and specialist care | Other and additional benefits |
|---|---|---|---|---|
| Platinum | SGD1,000,000 | Covered | Covered | Covered |
| Gold | SGD500,000 | Covered | Covered | Covered |
| Silver | SGD250,000 | Limited cover | Covered | Covered |
| Bronze | SGD150,000 | Not covered | Not covered | Covered |
| Plan | Platinum |
|---|---|
| Maximum annual limit | SGD1,000,000 |
| Outpatient benefits | Covered |
| General practitioner and specialist care | Covered |
| Other and additional benefits | Covered |
| Plan | Gold |
| Maximum annual limit | SGD500,000 |
| Outpatient benefits | Covered |
| General practitioner and specialist care | Covered |
| Other and additional benefits | Covered |
| Plan | Silver |
| Maximum annual limit | SGD250,000 |
| Outpatient benefits | Limited cover |
| General practitioner and specialist care | Covered |
| Other and additional benefits | Covered |
| Plan | Bronze |
| Maximum annual limit | SGD150,000 |
| Outpatient benefits | Not covered |
| General practitioner and specialist care | Not covered |
| Other and additional benefits | Covered |
For more details on what each plan covers, please refer to the product brochure (PDF, 479KB).
An additional rider you can opt for
You can also add a dental rider to your plan for extra coverage. Open the accordion to see more details.
Are you eligible?
The entry age[@age-next] is
- 18 to 65 years for an adult
- 15 days to 18 years for a child
Contact us to get started
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