In today's unpredictable world, being prepared for life's challenges is more important than ever. Did you know that cancer isn't always a one-time occurrence? Or that poorly managed diabetes can lead to severe complications? These sobering facts highlight the need for comprehensive critical illness coverage. If you're looking for a plan that offers multiple layers of protection and support, HSBC Life Super CritiCare might be the solution you've been searching for.
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HSBC Life Super CritiCare is a unique critical illness plan that goes beyond traditional coverage. It offers multiple payouts of up to 600% of the sum assured and includes a Diabetes Care Programme. This plan is designed to empower you to take control of your well-being, providing both financial protection and health management support.
Up to 600% of sum assured for Early, Intermediate, and Advanced Stage Critical Illness . First in the market to cover Re-diagnosed Cancer, Recurrent Heart Attack, and Stroke at any stage.
Additional payout for 11 Special and 10 Juvenile conditions. Flexible coverage terms to suit your needs.
Complimentary programme worth S$2,500 per annum . Personalized care and support to manage diabetes effectively.
Can be purchased as a standalone plan or as an additional rider. Optional riders to waive future premiums upon diagnosis or involuntary loss of income.
Early, Intermediate, and Advanced Stage Critical Illnesses
Re-diagnosed Cancer, Recurrent Heart Attack, and Stroke
Special and Juvenile conditions
Personalized diabetic consultation (6 sessions)
Dietary counseling and care plan (12 sessions)
12-month Fitness Programme (12 sessions)
Eye Screening (1 session)
Foot Screening and counseling (1 session)
Annual Lab Tests (2 sets)
The coverage amount depends on the sum assured you choose when purchasing the plan. Here's what you need to know:
• Multiple claims of up to 600% of sum assured for critical illnesses
• Additional 10% of original sum assured (up to S$25,000) for each Special or Juvenile condition
• Total payout for all Cancers, Heart Attack, and Stroke is capped at 300% of sum assured
It's important to note that there are waiting periods between claims:
• 12 months for a new critical illness condition
• 24 months for Re-diagnosed Cancer, Recurrent Heart Attack, or Stroke
To Age term: choose from age 50, 55, 60, 65, 70, or 75. Renewable term: 5, 10, 15, 20, 25, or 30 years.
Standalone plan or additional payout rider attached to selected HSBC Life plans.
Premium Waiver upon diagnosis of critical illness, Payer PremiumEraser to cover the policyholder, Protection against involuntary loss of income.
One of the standout features of HSBC Life Super CritiCare is its complimentary Diabetes Care Programme. Here's how it works:
Call the Diabetes Care Team at +65 9228 3075
Schedule your first consultation and confirmation tests
Upon confirmation of diabetic status, enroll in the personalized programme
Dedicated nurse to curate a personalized management plan
Access to Doctor Anywhere application for appointment booking and progress tracking
Exclusive membership benefits with health and wellness partners
Worth S$2,500 per annum
Automatically renews as long as diabetic status is confirmed annually
Let's look at how this plan might work in practice:
Jane, a 38-year-old Singaporean, is covered by HSBC Life Super CritiCare. During a regular health screening, she's diagnosed with diabetes. Here's what happens next:
Throughout her journey, Jane has ongoing support to manage her condition effectively, potentially preventing more serious complications in the future.
Multiple claim payouts up to 600% of sum assured
First-in-market coverage for re-diagnosed cancer and recurrent heart conditions
Complimentary Diabetes Care Programme
Flexible coverage terms and plan options
Additional coverage for special and juvenile conditions
Waiting periods between claims (12-24 months)
Cap on total payout for certain conditions (300% of sum assured)
Death benefit not applicable to Super CritiCare rider
Yes, but you'll need to go through the confirmation tests to enroll in the Diabetes Care Programme.
Yes, it's a complimentary feature of HSBC Life Super CritiCare.
The plan is automatically renewed at the end of the policy term, subject to age limits. You should check with HSBC Life about options for changing your coverage term.
Like most insurance policies, there are exclusions. You should refer to the product summary for detailed information.
Contact HSBC Life as soon as possible after diagnosis. They will guide you through the claim process.
HSBC Life Super CritiCare offers a unique combination of comprehensive critical illness coverage and diabetes management support. With its multiple claim feature, flexible options, and complimentary Diabetes Care Programme, it provides a holistic approach to protecting your health and finances.
However, as with any insurance decision, it's crucial to carefully consider your personal needs, health status, and financial situation before making a choice. The best insurance plan is one that aligns with your specific circumstances and provides you with peace of mind.
Remember, 3 in 5 Singaporeans feel they are not financially prepared for chronic or critical illness in the family. Don't let yourself be part of this statistic. Take control of your well-being and financial future with a plan that offers both protection and prevention.
Ready to explore your options further? Don't rely on just one perspective. Get expert insights tailored to your unique needs. Sign up now to receive 5 expert opinions on critical illness insurance. These professionals will review your specific situation and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your health and financial security. Don't leave your protection to chance – get the expert advice you deserve today.
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