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Business EmployerCare

Delivering integrated protections to your employees

Benefits and features

  • Comprehensive range of cost-effective and value-added employees' benefit packages
  • Designed to meet the needs of your employees

 

In today's business environment, most companies would be cautious with their spending and would look to maximising returns on their employee benefit, so as to continue to attract and retain quality and capable personnel. Caring organisations would look to offering cost-effective and value-added employees' benefit packages to ensure that their employee welfare is taken care of, while maintaining a healthy and competitive business.

Together with HSBC Insurance Singapore, we have put together an integrated solution, Business EmployerCare, which is designed to meet the needs of your employees.

Group Term Life with Terminal Illness Insurance

  • Provides benefit for loss of life due to any cause (including suicide)
  • Provides benefit for total and permanent disability* as a result of an accident, sickness or disease
  • Provides benefit upon diagnosis of a terminal illness
  • Lump sum payment of the sum insured
  • 24-hour worldwide coverage without geographical limitation
  • No exclusions under this policy

Group Term Life with Critical Illness Insurance

  • Provides benefit for loss of life; or
  • Provides benefit for total and permanent disability* as a result of an accident, sickness or disease; or
  • Provides benefit for any of the 30 critical illnesses named in the policy contract*;
  • Lump sum payment of the sum insured;
  • 24-hour worldwide coverage without geographical limitation
  • Exclusions apply*

Group Hospital and Surgical Insurance

  • Provides reimbursement of eligible expenses incurred as a result of hospitalisation or if surgical operation has taken place, subject to limits specified in the insurance schedule
  • Provides reimbursement of any expenses incurred for kidney dialysis and cancer treatment, subject to limits specified in the insurance schedule
  • Provides benefit for loss of life
  • Discounts are given for group size of more than 5 members
  • Discounts are given for no claim experience (5% in addition to group size discount)
  • 24-hour worldwide coverage without geographical limitation
  • Exclusions apply*

Extended Major Medical Insurance

(Rider to Group Hospital and Surgical Insurance only)

  • Pays eligible expenses incurred in excess of basic Group Hospital and Surgical Insurance
  • Applicable to surgical procedures schedule* of 75% and above
  • Benefit is subject to co-insurance
  • Exclusions apply*

Group Dental Insurance

(Rider to Group Hospital and Surgical Insurance only)

  • Provides coverage for eligible expenses incurred for dental expenses
  • Deductibles are applicable
  • No restriction to the panel of dentists
  • Exclusions apply*

Group Outpatient Insurance

(Rider to Group Hospital and Surgical Insurance only)

  • Provides reimbursement of eligible expenses incurred for outpatient clinical consultation
  • Provides reimbursement of eligible expenses incurred for outpatient specialist consultation and outpatient diagnostic x-ray and laboratory test referred by a registered medical practitioner without the need to be hospitalised
  • No panel of general practitioner and specialist. Insured members are free to visit any medical practitioner of their choice
  • Exclusions apply*

Group Personal Accident Insurance

(Rider only)

  • Provides benefit for loss of life arising solely and directly from an accident
  • Provides benefit for dismemberment arising solely and directly from an accident
  • Lump sum payment of the sum insured as a result of accidental death
  • Percentage of sum insured (subject to Schedule of Benefit*) is payable as a result of accidental dismemberment or disability
  • 24-hour worldwide coverage without geographical limitation
  • Exclusions apply*

CliniCare

(Rider to Group Hospital and Surgical Insurance only)

  • Quality outpatient healthcare for staff
  • Easy online tracking and record consolidation of employees' clinic visits
  • Enjoy hassle-free claims without submitting and processing medical reimbursement claim forms
  • With CliniCare's hassle-free claims administration system, enjoy operations cost savings

Important Notes:

Business EmployerCare Insurance is underwritten by HSBC Insurance (Singapore) Pte. Limited.

This marketing material contains only general information. It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. A company or person interested in this product should read and consider the Product Summary in deciding whether to buy this product. You can ask for the Product Summary from our authorized agents or distributors.

The Hongkong and Shanghai Banking Corporation Limited (the bank) is neither an underwriter nor broker for the customer. The contents herein are only for the purpose of general information and do not constitute an offer of a contract of insurance. The Bank assumes no responsibility for the accuracy of any statement made or opinion expressed herein. The Bank and/or its employees will receive a commission from HSBC Insurance(Singapore) Pte. Limited in respect of this transaction and neither the Bank nor its employees have any obligation to account to you for all or any part of such commission.

* Please refer to the product summary for definition, a copy can be obtained upon request.

Visit us at:

Visit usCollyer Quay Branch, 21 Collyer Quay Level 2 HSBC Building Singapore 049320