

Yes, as a woman who manages your own and your household's expenses, we believe your first and most important investment should be YOURSELF. Whether you are young and starting your first job, re-entering the job market, a homemaker, divorced or recently widowed, women are learning that if they want to travel the road to financial security, they have to map and plan for the trip carefully. That starts with finding cost-effective ways to protect their own future and their loved ones - in the event that anything happens to them.
Women on average tend to outlive men by four years – 76 for men versus 80 for women. However, women’s genetic makeup often puts them at greater risk in relation to women-related critical illnesses.
Breast Cancer
Every day about three Singaporean women are diagnosed with breast cancer. And one out of four of these women die from breast cancer, the country's top killer every year (Source: Straits Times 17/03/2001).
Breast cancer can be treated and contained. But treatment can be costly. Which brings us to the next question - are you covered for breast cancer? And will your current critical illness cover pay?
There's only one problem: Most standard critical illness cover pays when the cancer is invasive and has spread to all the surrounding tissues. That's where having an enhanced critical illness cover makes a major difference - because it closes all the gaps.
See how much is missing from your standard critical illness cover:
| Woman related illnesses | Lady FirstCare | Standard critical illness |
| Breast cancer only | • | - |
| Cervical cancer only | • | - |
| Ovary cancer only | • | - |
| Uterus cancer only | • | - |
| Lupus (SLE) | • | - |
| Rheumatoid Arthritis | • | - |
It is time to take a close look at your current plan and decide if your insurance program is adequate to protect you and your loved ones. Is it enough to meet your objectives, and can you fulfill your responsibilities? Your family counts on you. So we would like to recommend that you review your coverage and needs for a more comprehensive cover with Lady FirstCare.
This is a rider designed especially for women from all walks of life. Whether you are a full-time homemaker, career woman, or a single mother heading a household, you have your responsibilities, your loans and your obligations. Imagine if an illness were to strike - what would happen to the income you are generating? How would your family manage? Besides a severe financial loss, would there be adequate savings to cover the cost of treatment? Lady FirstCare provides a broad safety net to manage the uncertainty and financial strain that comes with a critical illness.

For instance, you will receive a lump sum of cash in the event of:
There are more benefits with this rider plan:
| Female illnesses | Lump sum payout | |
| 1 | Breast Cancer (non-invasive stage)* | 100% |
| 2 | Ovary Cancer (non-invasive stage)* | 100% |
| 3 | Uterus Cancer (non-invasive stage)* | 100% |
| 4 | Fallopian Tube Cancer (non-invasive stage)* | 100% |
| 5 | Vagina Cancer (non-invasive stage)* | 100% |
| 6 | Cervix Uterus Cancer (non-invasive stage)* | 100% |
| 7 | Systemic Lupus Erythematosus | 100% |
| 8 | Rheumatoid Arthritis | 100% |
| Maternity risks | Lump sum payout | |
| 1 | Congenital anomalies on newborn babies** | 50% |
| 2 | Infant mortality*** | 100% |
| Female surgeries | Reimbursement basis up to maximum | |
| 1 | Mastectomy due to cancer | 25% |
| 2 | Hysterectomy due to cancer and non-cancer related conditions**** | 25% |
| 3 | Dilatation & Curettage due to cancer and non-cancer related conditions**** | 25% |
| 4 | Endometrial Ablation due to cancer and non-cancer related conditions**** | 25% |
| 5 | Reconstructive surgery due to accident or assault | 10% |
* carcinoma-in-situ
** Congenital anomalies include Down's syndrome, Spina Bifida, Tetralogy of Fallot, Oesophageal Tracheal Fistula, Hydrocephalus.
*** Infant mortality refers to still birth equal to or more than seven months of pregnancy and neonatal death within 30 days of delivery.
**** Excluding: miscarriage, therapeutic or elective abortion, embedded intrauterine device or any other contraception means, bleeding after intercourse
Lady FirstCare is a low-cost rider which can be added on to a range of HSBC's basic plans. You can choose a broad range of coverage from $10,000 to $50,000. And it costs as little as $8.74 per month for a $10,000 cover for a lady age 25.
Make Lady FirstCare your first smart money sense rider plan.
Important notes
1. Death from suicide within one year from policy issue date is not covered
2. Lady FirstCare Plan is a rider plan. You need to attach it with a basic plan.
3. Computation is based on female, next birthday 26 years old, non-smoker, with Lady FirstCare (rider) sum assured of S$10,000.
4. Lady FirstCare Cover expires at age 65.
This e-brochure contains general information on 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 or appointed distributors or our company
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually incurs high cost.
Call us on 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas