Top of main content

SmartPA Protect+

You can't always prevent accidents, but you can be sure you and your loved ones are protected

With SmartPA Protect+, keep doing all the things you love while being protected at every step.

Special offer

From now till 30 November 2022, enjoy 10% discount and additional SGD40 worth of shopping vouchers when you purchase a SmartPA Protect+ plan.

At a glance

  • Receive up to 2X medical expenses cover if hospitalised for more than 48 hours
  • Reimbursement of treatment expenses due to insect/animal bites, dengue fever, and food and drink poisoning
  • Enjoy a 10% Family Discount when both you and your spouse are covered in the same policy. Discount also applies to the 30% Top Up Child Cover
  • Receive up to SGD250 daily (up to 365 days) for each 24-hour period of hospitalisation
  • Automatic 5% increase of the sum insured for up to the first 5 years of the policy if no claim was ever made or paid
  • Children enjoy 20% Free Child Cover and additional free cover for Hand, Foot and Mouth Disease (HFMD)

What's covered in personal accident insurance?

Here is a summary of the available plans. Compare each plan to find out which one best suits your lifestyle and needs.

Summary of benefits
Benefits – Core Pack Silver – Sum Insured Per Adult (SGD) Gold – Sum Insured Per Adult (SGD) Platinum – Sum Insured Per Adult (SGD) Free Child Cover – Sum Insured Per Child (SGD) Top-up cover – Sum Insured Per Child (SGD)

1.Accidental death (AD)/Permanent disablement (PD)

 

(1a) Additional 50% payout upon AD whilst overseas

 

(1b) Additional 50% payout upon AD in a public transport

150,000

 

(1a) 75,000

 

(1b) 75,000

 

350,000

 

(1a) 175,000

 

(1b) 175,000

1,000,000

 

(1a) 500,000

 

(1b) 500,000

20% of Adult Sum Insured 30% of Adult Sum Insured
2. Third-degree burns 15,000
35,000
100,000
20% of Adult Sum Insured
30% of Adult Sum Insured

3. Medical expenses

 

(3a) Double indemnity on hospitalisation

 

(3b) Letter of Guarantee (LOG) for overseas hospitalisation

 

(3c) Ambulance expenses

2,000 per accident
5,000 per accident
10,000 per accident
20% of Adult Sum Insured
30% of Adult Sum Insured

4.Post-accident therapy

 

(4a) Physiotherapy treatment

 

(4b) Chiropractic treatment

 

(4c) TCM treatment

1,000 per year
2,000 per year
5,000 per year
20% of Adult Sum Insured
30% of Adult Sum Insured

5. Lifestyle maintenance

 

(5a) Home and/or vehicle modification

 

(5b) Mobility aids (up to SGD1,000 per accident)

5,000 per year
10,000 per year
10,000 per year
20% of Adult Sum Insured
30% of Adult Sum Insured
6. Temporary total disablement NA
350 per week
1,000 per week
NA
NA
7. Hand, Foot and Mouth Disease (HFMD) benefit NA
NA
NA
100 per year
100 per year
Summary of benefits
Benefits – Core Pack

1.Accidental death (AD)/Permanent disablement (PD)

 

(1a) Additional 50% payout upon AD whilst overseas

 

(1b) Additional 50% payout upon AD in a public transport

Silver – Sum Insured Per Adult (SGD)

150,000

 

(1a) 75,000

 

(1b) 75,000

 

Gold – Sum Insured Per Adult (SGD)

350,000

 

(1a) 175,000

 

(1b) 175,000

Platinum – Sum Insured Per Adult (SGD)

1,000,000

 

(1a) 500,000

 

(1b) 500,000

Free Child Cover – Sum Insured Per Child (SGD) 20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD) 30% of Adult Sum Insured
Benefits – Core Pack 2. Third-degree burns
Silver – Sum Insured Per Adult (SGD) 15,000
Gold – Sum Insured Per Adult (SGD) 35,000
Platinum – Sum Insured Per Adult (SGD) 100,000
Free Child Cover – Sum Insured Per Child (SGD) 20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD) 30% of Adult Sum Insured
Benefits – Core Pack

3. Medical expenses

 

(3a) Double indemnity on hospitalisation

 

(3b) Letter of Guarantee (LOG) for overseas hospitalisation

 

(3c) Ambulance expenses

Silver – Sum Insured Per Adult (SGD) 2,000 per accident
Gold – Sum Insured Per Adult (SGD) 5,000 per accident
Platinum – Sum Insured Per Adult (SGD) 10,000 per accident
Free Child Cover – Sum Insured Per Child (SGD) 20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD) 30% of Adult Sum Insured
Benefits – Core Pack

4.Post-accident therapy

 

(4a) Physiotherapy treatment

 

(4b) Chiropractic treatment

 

(4c) TCM treatment

Silver – Sum Insured Per Adult (SGD) 1,000 per year
Gold – Sum Insured Per Adult (SGD) 2,000 per year
Platinum – Sum Insured Per Adult (SGD) 5,000 per year
Free Child Cover – Sum Insured Per Child (SGD) 20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD) 30% of Adult Sum Insured
Benefits – Core Pack

5. Lifestyle maintenance

 

(5a) Home and/or vehicle modification

 

(5b) Mobility aids (up to SGD1,000 per accident)

Silver – Sum Insured Per Adult (SGD) 5,000 per year
Gold – Sum Insured Per Adult (SGD) 10,000 per year
Platinum – Sum Insured Per Adult (SGD) 10,000 per year
Free Child Cover – Sum Insured Per Child (SGD) 20% of Adult Sum Insured
Top-up cover – Sum Insured Per Child (SGD) 30% of Adult Sum Insured
Benefits – Core Pack 6. Temporary total disablement
Silver – Sum Insured Per Adult (SGD) NA
Gold – Sum Insured Per Adult (SGD) 350 per week
Platinum – Sum Insured Per Adult (SGD) 1,000 per week
Free Child Cover – Sum Insured Per Child (SGD) NA
Top-up cover – Sum Insured Per Child (SGD) NA
Benefits – Core Pack 7. Hand, Foot and Mouth Disease (HFMD) benefit
Silver – Sum Insured Per Adult (SGD) NA
Gold – Sum Insured Per Adult (SGD) NA
Platinum – Sum Insured Per Adult (SGD) NA
Free Child Cover – Sum Insured Per Child (SGD) 100 per year
Top-up cover – Sum Insured Per Child (SGD) 100 per year

How to buy SmartPA Protect+

You might also be interested in

 
to visit HSBC HomeSurance Classic page

When it comes to the things that make your house a home, you can have peace of mind with home insurance plans.

 
to visit HSBC Wanderlust page

Happiness is exploring new territories comfortably with Wanderlust travel insurance.

 
to visit HSBC Wealth Builder page

Build wealth for yourself and the generations to come.