Junior FirstCare

Benefits and features

Coverage for up to 15 child-related critical illnesses.
Guaranteed cash payout in a lump sum upon diagnosis of child-related critical illnesses.
Option to convert the current rider to an adult critical illness without proof of good health before 30 days of the expiry of the benefit (subject to three times of your basic sum insured for Junior FirstCare).

Protect your child

We all have special plans for our children. We have special dreams for them as we watch them grow. As parents, we remember our child's very first step, first tooth and of course, their very first day at school. We also count the times we lose sleep over the first flu, the measles or chicken pox. But no matter what, we want to be there always for our children, for all of their life's major events. That's why it makes smart money sense to provide for the best for our precious children - with Junior FirstCare.

It takes care of all the worries that parents may have about their children's health as they are growing up. With Junior FirstCare, parents can rest assured that they have the most comprehensive coverage for critical illnesses for their children.

And in Singapore with the high incidences of critical illness, we can provide the broadest safety net - to ensure that our children will have the best medical care, no matter what happens.

With the Junior FirstCare safety net - even with the increasing cost of medical care and hospitalisation - you can be assured of being able to afford the best medical care when it is needed.

Facts on two of the most worrying child-related illnesses

Asthma
One in five schoolchildren in Singapore has asthma, and the number of asthma-related deaths among children is rising. (Consider: Ahmad, four, an asthmatic, has to stay clear of dust and mites. His mother keeps his inhalers with her 24 hour a day).

Leukaemia
80 cases of childhood cancer are diagnosed every year: the most common of which is leukaemia. (Consider: 4-year-old David kept asking his mother why he had to see the doctor so frequently. Just a year ago, the only child was diagnosed with leukaemia). (Source: Straits Times 13/11/1997. These are true reports except the names of children have been changed)

With our growing affluence, a more sedentary lifestyle, and higher stress levels, studies have shown that there are increasing incidences of young children afflicted with child-related critical illnesses such as asthma, leukaemia and diabetes - which may lead to kidney failure, heart attacks, strokes and even death.

How it works

We have made Junior FirstCare a highly affordable coverage for all parents - because we believe that it is a first "must" rider for any child. You can add on to a wide range of basic plans.

For example, if you have a baby boy who is age one next birthday - you need only as little as:

S$1.56 per month for S$10,000 Junior FirstCare (Basic Rider) and
S$2.91 per month for S$10,000 Junior FirstCare (Plus Rider).

That's as little as five cents a day! Junior FirstCare starts with a minimum cover of $10,000. Or you can provide your child coverage of up to $50,000.

Junior FirstCare is designed to be flexible based on the budget that you wish to set aside. You have a choice of:

Junior FirstCare - covering six child-related illnesses. (Basic Rider) and
Junior FirstCare Plus - covering 15 child-related illnesses - the most comprehensive cover in Singapore

What it covers

Child related illness		Junior FirstCare	Junior FirstCare Plus
1	Severe Asthma	•	•
2	Leukaemia	•	•
3	Bone Marrow Transplant	•	•
4	Insulin-dependent diabetes mellitus	•	•
5	Rheumatic Fever with Valvular Impairment	•	•
6	Kawasaki Disease with Heart Complication	•	•
7	Major Head Trauma		•
8	Brain Surgery		•
9	Loss of Limbs		•
10	Glomerulonephritis with Nephrotic Syndrome		•
11	Severe Epilepsy		•
12	Severe Haemophilia		•
13	Kidney Failure		•
14	Liver Failure		•
15	Bacterial Meningitis		•

So if you are looking for an additional valued rider that provides the most comprehensive cover (15 critical Illnesses) at an affordable cost (Less than $3 a month) - Junior FirstCare Plus is the solution.

And there's an added valued feature: guaranteed insurability for your child. Which means that regardless of your child's health as he grows older - he could convert his Junior FirstCare to an available adult critical illness plan when Junior FirstCare expires at age 21(subject to three times your Junior FirstCare sum insured).

It's the best gift for our children - not only to protect their future, but also to guarantee against the uncertainties of tomorrow.

Act now

Call 1800-HSBC NOW (4722 669)
Make an appointment with us today

Important notes

1. Death from suicide within one year from policy issue date is not covered.
2. Junior FirstCare Plan is a rider plan. You need to attach with a basic plan.
3. Computation is based on male juvenile, next birthday one year old, non-smoker, with Junior FirstCare (rider) sum assured of S$10,000.
4. Junior FirstCare cover expires at age 21.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HSBC Insurance (Singapore) Pte. Limited or visit the LIA or SDIC web-sites (www.lia.org.sg or www.sdic.org.sg).

This e-brochure contains general information of the product. The contents of this summary may vary from the terms of the policy contract finally issued to you. Only the terms in your policy contract are binding between us. A person interested in this product should read and consider the product summary and benefit illustration in deciding whether to buy this product. You can ask for the product summary and benefit illustration from our representatives, distributors or our company.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually incurs high cost.