HSBC Life SmartPA Protect+ Review

HSBC Life SmartPA Protect+ will protect you and your loved ones if it comes to pass. So you can rest assured that we’ve got your back.

HSBC Life SmartPA Protect+ product details

• Non-participating policy – Stand Alone Policy (Health Insurance)
• Protect against accidental death
  • Receive a lump sum payout of the sum assured in the event of death caused by an accident.
• Cover against permanent disability
  • Get a lump sum payout of up to 150% of the sum assured in the event of any permanent disability due to an accident.
• Safeguard yourself even as a passenger
  • Receive an extra 50% of the death benefit in the event of death while you’re a passenger on public transport or a plane.
• Extend your cover to your children
  • Enjoy free protection for up to 3 kids at 20% of the basic sum assured of 1 parent.
• Choose from 3 levels of protection
  • Sliver (lowest payout)
  • Gold
  • Platinum (highest payout)
• Additional Coverage Riders
  • Get a payout if you suffer fractures
    • Receive a payout in the event you suffer fractures caused by an accident.
  • Get support throughout your recovery
    • Receive reimbursement for home visits from a doctor, home nursing care and transport costs for follow-up treatments.
  • Get financial support for your surviving family
    • Your surviving beneficiaries will receive a lump sum and a loan protector to pay for any outstanding loans in the event of your accidental death.
  • Get daily cash allowance while you’re hospitalised
    • Receive a daily hospital cash allowance for up to 365 days if you’re hospitalised.
  • Get covered for emergency evacuations
    • Receive reimbursement for transport costs in transferring you back to Singapore for medical treatment.
  • Get covered for the cost of a funeral
    • Your surviving beneficiaries will receive a lump sum to help with the cost of a funeral in the event of your accidental death.

Read About: 3 things to consider before taking up a new financial product

Features of HSBC Life SmartPA Protect+ at a glance

Cash and Cash Withdrawal Benefits

Cash value: No
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes (Accidental Death)
Total Permanent Disability: Yes (Accidental Dismemberment)
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders

Yes

Additional Features and Benefits

Yes.

For further information and details, refer to HSBC Life website. Alternatively, fill up the form below and let us advise accordingly.

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Is HSBC Life SmartPA Protect+ suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

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Before you go...

HSBC Life SmartPA Protect+ may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.

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