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Health Insurance for Group

Provide the best healthcare coverage to your employees by getting group health insurance plans. 

HSBC Products
Liberty Products

HSBC Health Insurance Products for Group/Business

Boost overall productivity through empowering your employees with Benefits+

Employees are an organisation’s greatest assets. This is why at HSBC Life, we believe in going beyond traditional offerings to empower employees and companies to achieve better health and productivity. We conducted studies to better understand what employees look for in their employee benefits package and results show that employees from different age groups and industries have very different priorities. To meet the unique needs of all your multi-generational workforce, HSBC Life allows you to provide customisable employee benefits that meet individual needs and offer comprehensive benefits that go beyond traditional protection benefits. With Benefits+, companies can stay ahead of the game when it comes to employee engagement and productivity, employees’ health and expense control.
For Your Company
  • Flexibility
    • Customise corporate plan coverage and wellness offerings based on employees’ age group and business needs.
  • Cost Efficiency
    • Utilise cost containment measures to help identify cost drivers and any recommended action that is needed.
  • Dedicated Onboarding Support
    • Enjoy dedicated HSBC Life Ambassador support for the onboarding of all services as well as exclusive on-site events.
  • Digital Capability
    • Manage your multi-faceted workforce with quick access to information and claims on a one-stop digital platform.
For Your Employees
  • Enhancing Protection
    • Tailor personal protection to suit employees’ individual and family needs with add-on options available.
  • Health and Wellness Services
    • Manage and improve all aspects of wellness with exclusive access to physical and mental wellbeing to financial services.
  • Dedicated Service and Engagement
    • Enjoy full HSBC Life Ambassador support across a full range of services from professional development, financial advice and exclusive bespoke events.
  • Digital Convenience
    • Access all insurance information and other wellness services on HSBC Life SG app.

Solutions tailored for your organisation and employees

  1. Customizable coverage with top-up and add-on options for you and your family.
  2. Seamless digital solutions for HR and employees.
  3. Digital health platform with easy video-consults*
  4. Fitness programmes for anyone, anywhere*
  5. Dedicated and personalised support provided by our HSBC life ambassador
  6. Next generation mental support*
  7. Access to a curation of content
 

When you’re writing the success story of your business, your aim should be to take your company to the next level, not worrying about unforeseen expenses and productivity.

Benefits+ Business provides your employees comprehensive health protection and extra care with holistic wellness services.
 
What is Covered
  • Comprehensive coverage with no sub-limits
    • Enjoy the flexibility of staying protected without having to be constrained by the limitations of per-disability claims.
  • Flexible plan options for every need and budget
    • Tailor your coverage to suit your business’ needs. With a wide range of plans and riders, you will be able to find an annual limit plan to suit your budget.
  • No Minimum Group Size^ to kickstart the plan
    • With no minimum group size requirement, you can keep all of your employees covered for peace of mind.
Eligibility

Be a Resident of Singapore, which includes Singapore Citizens and Permanent Residents (holders of re-entry permits) as well as holders of employment passes, work permits, students’ passes or dependants’ passes.

Entry Age*

  • Medical Plans: From age 16 to age 75
  • Personal Accident and Term Life: From age 16 to age 70
  • Critical Illness: From age 16 to age 70 
  • * Age Next Birthday
 

Maximum Renewal Age*

  • Medical Plans: up to age 85
  • Personal Accident and Term Life: up to age 75
  • Critical Illness: up to age 70 
  • * Age Next Birthday
 
 
It is not only important for companies to maintain a safe working environment, but also to have ample coverage for employees to manage any unforeseen expenses due to sickness or unfortunate accidents.
Benefits+ Foreign Workers provides protection for your foreign employees against the cost of hospitalisation, surgery and other related expenses with no minimum group size.
 

Key Features

  • No minimum group size
    • With no minimum group size requirement, you can keep all of your employees covered for full peace of mind.
  • 3 Annual Limit plans to choose from
    • To suit different needs and budgets, we have 3 plans for you to select from, starting from S$15,000.
  • Simple and easy to understand
    • No sub-limits to the plan (unless otherwise stated).
  • Covers Pre-existing conditions
    • No Exclusion on the Pre-existing conditions.
Eligibilty
  • Entry Age:
    • Minimum: 16 years old
    • Maximum: 75 years old
  • Foreign Workers with work passes
    • Work permit, S-pass or issued with an In-Principle Approval (IPA) by Singapore Ministry of Manpower (MOM)
  • Active Service
    • Be in active service
 

Find out more
View / Download Brochure >

Request for Quotation >

Product T&C

1.   Active Service

An Employee shall be considered in Active Service if:

(a) employed by the Policyholder on a full-time permanent basis,

(b) actively working on a day which is one of the Policyholder’s scheduled work days, and

(c) performing in a customary manner all the regular duties of his employment with the Policyholder on a full-time basis that day.

Employees on no pay leave for medical reasons, shall not be considered in Active Service, unless otherwise endorsed.

2. Annual Policy Limit

Our total aggregate liability shall not exceed the annual limit for any Insured Member stated in the Policy Schedule. When the aggregate total Benefits paid under this policy in any one Period of Insurance reaches the annual limit for any Insured Member, no further Benefits shall be payable in respect of that Insured Member for the remainder of the Period of Insurance.

 
A healthy employee is a happy employee. With that comes efficiency and productivity for your company. That’s why your employees deserve the best health care plan ever.
HSBC Life’s Benefits+ International provides your employees with prompt access to medical care and treatment in their hospital of choice, anywhere in the world.
 

Key Features

  • High Annual Limit
    • Provides high coverage up to S$4,000,000 or US$2,900,000 a year against rising medical costs.
  • Outpatient Treatment Coverage
    • Covers general practitioner and specialist consultations, prescribed drugs, dressings, diagnostic tests and vaccinations
  • Direct Settlement with Hospitals within our Network
    • Cashless hospital admission upon approval
  • International Emergency Medical Assistance
    • Overseas evacuation and repatriation service is available 24 hours a day, 365 days a year
  • 24-hour Claims Enquiry
    • For information on your benefits or to discuss a claim
  • Pre-existing & Congenital Conditions
    • Cover from inception of policy
Eligibility and Options
  • Entry age
    • Minimum: 18 years old (age next Birthday)
    • Maximum: 65 years old (Age next Birthday)
  • Minimum Group Size
    • 3 Employees
 
We understand that ensuring your employees are able to enjoy the best comprehensive healthcare offers you total peace of mind. HSBC Life’s Benefits+ International Max further enhances the scope of protection with Life coverage.
This plan provides your employees with prompt access to medical care and treatment in their hospital of choice, anywhere in the world.

Key Features

  • Group Term Life
    • Provides financial protection against untimely death
  • High Annual Limit
    • Provides high coverage up to S$4,000,000 or US$2,900,000 a year against rising medical costs
  • Outpatient Treatment Coverage
    • Covers general practitioner and specialist consultations, prescribed drugs, dressings, diagnostic tests and vaccinations
  • Direct Settlement with Hospitals within our Network
    • Cashless hospital admission upon approval
  • International Emergency Medical Assistance
    • Overseas evacuation and repatriation service is available 24 hours a day, 365 days a year
  • 24-hour Claims Enquiry
    • For information on your benefits or to discuss a claim
  • Pre-existing & Congenital Conditions
    • Cover from inception of policy
Eligibility and Options
  • Entry age
    • Minimum: 18 years old (Age next Birthday)
    • Maximum: 65 years old (Age next Birthday)
  • Minimum Group Size
    • 3 employee
 

Boost overall productivity through empowering your employees with Benefits+

Employees are an organisation’s greatest assets. This is why at HSBC Life, we believe in going beyond traditional offerings to empower employees and companies to achieve better health and productivity. We conducted studies to better understand what employees look for in their employee benefits package and results show that employees from different age groups and industries have very different priorities. To meet the unique needs of all your multi-generational workforce, HSBC Life allows you to provide customisable employee benefits that meet individual needs and offer comprehensive benefits that go beyond traditional protection benefits. With Benefits+, companies can stay ahead of the game when it comes to employee engagement and productivity, employees’ health and expense control.
For Your Company
  • Flexibility
    • Customise corporate plan coverage and wellness offerings based on employees’ age group and business needs.
  • Cost Efficiency
    • Utilise cost containment measures to help identify cost drivers and any recommended action that is needed.
  • Dedicated Onboarding Support
    • Enjoy dedicated HSBC Life Ambassador support for the onboarding of all services as well as exclusive on-site events.
  • Digital Capability
    • Manage your multi-faceted workforce with quick access to information and claims on a one-stop digital platform.
For Your Employees
  • Enhancing Protection
    • Tailor personal protection to suit employees’ individual and family needs with add-on options available.
  • Health and Wellness Services
    • Manage and improve all aspects of wellness with exclusive access to physical and mental wellbeing to financial services.
  • Dedicated Service and Engagement
    • Enjoy full HSBC Life Ambassador support across a full range of services from professional development, financial advice and exclusive bespoke events.
  • Digital Convenience
    • Access all insurance information and other wellness services on HSBC Life SG app.

Solutions tailored for your organisation and employees

  1. Customizable coverage with top-up and add-on options for you and your family.
  2. Seamless digital solutions for HR and employees.
  3. Digital health platform with easy video-consults*
  4. Fitness programmes for anyone, anywhere*
  5. Dedicated and personalised support provided by our HSBC life ambassador
  6. Next generation mental support*
  7. Access to a curation of content
 

When you’re writing the success story of your business, your aim should be to take your company to the next level, not worrying about unforeseen expenses and productivity.

Benefits+ Business provides your employees comprehensive health protection and extra care with holistic wellness services.
 
What is Covered
  • Comprehensive coverage with no sub-limits
    • Enjoy the flexibility of staying protected without having to be constrained by the limitations of per-disability claims.
  • Flexible plan options for every need and budget
    • Tailor your coverage to suit your business’ needs. With a wide range of plans and riders, you will be able to find an annual limit plan to suit your budget.
  • No Minimum Group Size^ to kickstart the plan
    • With no minimum group size requirement, you can keep all of your employees covered for peace of mind.
Eligibility

Be a Resident of Singapore, which includes Singapore Citizens and Permanent Residents (holders of re-entry permits) as well as holders of employment passes, work permits, students’ passes or dependants’ passes.

Entry Age*

  • Medical Plans: From age 16 to age 75
  • Personal Accident and Term Life: From age 16 to age 70
  • Critical Illness: From age 16 to age 70 
  • * Age Next Birthday
 

Maximum Renewal Age*

  • Medical Plans: up to age 85
  • Personal Accident and Term Life: up to age 75
  • Critical Illness: up to age 70 
  • * Age Next Birthday
 
 
It is not only important for companies to maintain a safe working environment, but also to have ample coverage for employees to manage any unforeseen expenses due to sickness or unfortunate accidents.
Benefits+ Foreign Workers provides protection for your foreign employees against the cost of hospitalisation, surgery and other related expenses with no minimum group size.
 

Key Features

  • No minimum group size
    • With no minimum group size requirement, you can keep all of your employees covered for full peace of mind.
  • 3 Annual Limit plans to choose from
    • To suit different needs and budgets, we have 3 plans for you to select from, starting from S$15,000.
  • Simple and easy to understand
    • No sub-limits to the plan (unless otherwise stated).
  • Covers Pre-existing conditions
    • No Exclusion on the Pre-existing conditions.
Eligibilty
  • Entry Age:
    • Minimum: 16 years old
    • Maximum: 75 years old
  • Foreign Workers with work passes
    • Work permit, S-pass or issued with an In-Principle Approval (IPA) by Singapore Ministry of Manpower (MOM)
  • Active Service
    • Be in active service
 

Find out more
View / Download Brochure >

Request for Quotation >

Product T&C

1.   Active Service

An Employee shall be considered in Active Service if:

(a) employed by the Policyholder on a full-time permanent basis,

(b) actively working on a day which is one of the Policyholder’s scheduled work days, and

(c) performing in a customary manner all the regular duties of his employment with the Policyholder on a full-time basis that day.

Employees on no pay leave for medical reasons, shall not be considered in Active Service, unless otherwise endorsed.

2. Annual Policy Limit

Our total aggregate liability shall not exceed the annual limit for any Insured Member stated in the Policy Schedule. When the aggregate total Benefits paid under this policy in any one Period of Insurance reaches the annual limit for any Insured Member, no further Benefits shall be payable in respect of that Insured Member for the remainder of the Period of Insurance.

 
A healthy employee is a happy employee. With that comes efficiency and productivity for your company. That’s why your employees deserve the best health care plan ever.
HSBC Life’s Benefits+ International provides your employees with prompt access to medical care and treatment in their hospital of choice, anywhere in the world.
 

Key Features

  • High Annual Limit
    • Provides high coverage up to S$4,000,000 or US$2,900,000 a year against rising medical costs.
  • Outpatient Treatment Coverage
    • Covers general practitioner and specialist consultations, prescribed drugs, dressings, diagnostic tests and vaccinations
  • Direct Settlement with Hospitals within our Network
    • Cashless hospital admission upon approval
  • International Emergency Medical Assistance
    • Overseas evacuation and repatriation service is available 24 hours a day, 365 days a year
  • 24-hour Claims Enquiry
    • For information on your benefits or to discuss a claim
  • Pre-existing & Congenital Conditions
    • Cover from inception of policy
Eligibility and Options
  • Entry age
    • Minimum: 18 years old (age next Birthday)
    • Maximum: 65 years old (Age next Birthday)
  • Minimum Group Size
    • 3 Employees
 
We understand that ensuring your employees are able to enjoy the best comprehensive healthcare offers you total peace of mind. HSBC Life’s Benefits+ International Max further enhances the scope of protection with Life coverage.
This plan provides your employees with prompt access to medical care and treatment in their hospital of choice, anywhere in the world.

Key Features

  • Group Term Life
    • Provides financial protection against untimely death
  • High Annual Limit
    • Provides high coverage up to S$4,000,000 or US$2,900,000 a year against rising medical costs
  • Outpatient Treatment Coverage
    • Covers general practitioner and specialist consultations, prescribed drugs, dressings, diagnostic tests and vaccinations
  • Direct Settlement with Hospitals within our Network
    • Cashless hospital admission upon approval
  • International Emergency Medical Assistance
    • Overseas evacuation and repatriation service is available 24 hours a day, 365 days a year
  • 24-hour Claims Enquiry
    • For information on your benefits or to discuss a claim
  • Pre-existing & Congenital Conditions
    • Cover from inception of policy
Eligibility and Options
  • Entry age
    • Minimum: 18 years old (Age next Birthday)
    • Maximum: 65 years old (Age next Birthday)
  • Minimum Group Size
    • 3 employee
 
Get a Free Quote

Liberty Health Insurance Products for Group/Business

The employee benefits starter kit for SMEs

Key Features:

  • Get An Instant Quote
  • Maximum Convenience
  • Mobile Claims
  • No Surgical Sub-Limits or Tables
  • Concierge Services

Annual Overall Limit: Up to S$300,000 

Eligibility: 

  • Employees actively at work
  • Employees and spouses between 18 to 80 years of age and not more than 65 years of age at the Policy Commencement Date of the first Period of Insurance
  • Children from 15 days old to 18 years old (dependent children can be covered up to age 25 if he/she is enrolled in an educational institution on full-time higher education and is not in full-time national service)
  • Domiciled (residing) in Singapore, meaning Singapore Citizens, Singapore Permanent Residents (holders of re-entry permits), holders of Employment Passes, S Passes, Personalized Employment Passes, EntrePasses, Work Permits, Student Passes or Dependent Passes
 

Protect Your Staff During Their Employment In Singapore

Key Features:

  • Get An Instant Quote
  • Extensive coverage including cover for Covid-19 during 14 days SHN
  • No exclusion of specific illness imposed
  • Repatriation expenses of mortal remains
  • No minimum hours required for hospital confinement
  • Personal accident (due to non-work related)

Annual Overall Limit: Up to S$50,000

Eligibility: Available only to Work Permit or S Pass Holder maximum enrolment age is 65 years old.

 

International health insurance for SMEs

Key Features:

  • Mix and match insurance modules
  • Hospital and Surgery
  • Outpatient cover
  • TeleHEALTH services


Annual Overall Limit: Up to S$6 million

Quality health insurance does not have to be expensive

Key Features:

  • Hospital Miscellaneous Services
  • Surgical Fees
  • Diagnostic Services
  • Emergency Outpatient Accidental Treatment
  • Outpatient General Practitioner and Specialist Rider

Medical Coverage – Making decisions with greater assurance

Key Features: As a highly comprehensive health insurance policy, proMedico provides compensation for your downtime with daily hospital cash allowance and greater assurance with no surgical sub-limits. From room charges to the costs of hospital medical facilities such as operating theatre fees and intensive care unit accommodation, proMedico provides extensive coverage to promote your speedy recovery.

  • Daily Hospital Cash Allowance
    For up to thirty days per disability

  • Outpatient General Practitioner and Specialist Rider 
    Covers medical treatment provided to the insured person as prescribed or performed as a physician who is licensed as a General Practitioner

  • Extended Eligibility
    Maximum renewal age up to 69 years old

  • Post-hospitalisation Treatment
    Covers expenses for follow-up treatment by the same physician up to a period of 90 days after discharge from the hospital

  • Medical Emergency Evacuation
    Covers the medically necessary expenses incurred in moving the insured person to the nearest hospital for appropriate care 

Annual Overall Limit: S$800,000

The employee benefits starter kit for SMEs

Key Features:

  • Get An Instant Quote
  • Maximum Convenience
  • Mobile Claims
  • No Surgical Sub-Limits or Tables
  • Concierge Services

Annual Overall Limit: Up to S$300,000 

Eligibility: 

  • Employees actively at work
  • Employees and spouses between 18 to 80 years of age and not more than 65 years of age at the Policy Commencement Date of the first Period of Insurance
  • Children from 15 days old to 18 years old (dependent children can be covered up to age 25 if he/she is enrolled in an educational institution on full-time higher education and is not in full-time national service)
  • Domiciled (residing) in Singapore, meaning Singapore Citizens, Singapore Permanent Residents (holders of re-entry permits), holders of Employment Passes, S Passes, Personalized Employment Passes, EntrePasses, Work Permits, Student Passes or Dependent Passes
 

Protect Your Staff During Their Employment In Singapore

Key Features:

  • Get An Instant Quote
  • Extensive coverage including cover for Covid-19 during 14 days SHN
  • No exclusion of specific illness imposed
  • Repatriation expenses of mortal remains
  • No minimum hours required for hospital confinement
  • Personal accident (due to non-work related)

Annual Overall Limit: Up to S$50,000

Eligibility: Available only to Work Permit or S Pass Holder maximum enrolment age is 65 years old.

 

International health insurance for SMEs

Key Features:

  • Mix and match insurance modules
  • Hospital and Surgery
  • Outpatient cover
  • TeleHEALTH services


Annual Overall Limit: Up to S$6 million

Quality health insurance does not have to be expensive

Key Features:

  • Hospital Miscellaneous Services
  • Surgical Fees
  • Diagnostic Services
  • Emergency Outpatient Accidental Treatment
  • Outpatient General Practitioner and Specialist Rider

Medical Coverage – Making decisions with greater assurance

Key Features: As a highly comprehensive health insurance policy, proMedico provides compensation for your downtime with daily hospital cash allowance and greater assurance with no surgical sub-limits. From room charges to the costs of hospital medical facilities such as operating theatre fees and intensive care unit accommodation, proMedico provides extensive coverage to promote your speedy recovery.

  • Daily Hospital Cash Allowance
    For up to thirty days per disability

  • Outpatient General Practitioner and Specialist Rider 
    Covers medical treatment provided to the insured person as prescribed or performed as a physician who is licensed as a General Practitioner

  • Extended Eligibility
    Maximum renewal age up to 69 years old

  • Post-hospitalisation Treatment
    Covers expenses for follow-up treatment by the same physician up to a period of 90 days after discharge from the hospital

  • Medical Emergency Evacuation
    Covers the medically necessary expenses incurred in moving the insured person to the nearest hospital for appropriate care 

Annual Overall Limit: S$800,000

Get a Free Quote

Get a Quote