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A mother and daughter are at the doctor's; image used for HSBC Singapore Insurance Health Insurance

Health Insurance

Assurance is living life to the fullest with SmartCare Optimum Enhanced plan.
Health Insurance- SmartCare Optimum Enhanced
SmartCare Optimum Enhanced reimburses you in full up to the annual limit for all your eligible expenses like hospital room & board, ICU charges, surgeon's fee and hospital miscellaneous expenses.


We also go the extra mile to give you a wider range of benefits, which include:

  • No limit to number of days of hospital stay
  • Dread disease recuperation
  • Cash allowance while hospitalised
  • Inpatient psychiatric treatment

How SmartCare Optimum Enhanced can help you

Greater coverage

We are committed to provide comprehensive solution to customers, with your interest in mind, we introduced the following outpatient benefits into our core plans:

  • Cashless outpatient visits to our panel general practitioners
  • Alternative treatment under Platinum and Gold Plan i.e. consultation and treatment provided by registered chiropractor, podiatrist, dietitian, nutritionist, naturopath, acupuncturist, homeopath, osteopath, TCM and physiotherapist.
  • Pediatrician consultation benefit (waiver of general practitioner referral letter for insured child below 36 months)

Real protection

  • As charged benefits
  • No co-payment & deductible
  • Cover up to age 80
  • Stable portfolio pricing i.e. HSBC Life (Singapore) Pte. Ltd. will not impose capping on your medical conditions or additional loadings on your premium upon renewal as a result of your personal claims experience

New optional riders

While most health insurance plans cover you for hospitalisation only, SmartCare Optimum Enhanced now offers you optional riders to complement your core plan.

  • Dental rider – provides coverage for outpatient visit to dentist (20% co-payment applies)
  • Travel inconvenience rider – enhance your travel benefits for your next vacation or business trips

Provide value-added benefits

With just a call from anywhere in the world, you can stay connected to our 24-hour customer service assistance hotline and get access to assistance for emergency medical evacuation and repatriation services.

Flexible plans

With a choie of three comprehensive plans, you have the flexibility of selecting the plan that best suits your needs and budget.

With SmartCare Optimum Enhanced there is no restriction on your choice of hospital. This means that you can choose to receive treatment in a public or a private hospital.

What's not covered

Pre-existing conditions, which refers to an injury or an illness which, prior to the date on which an insured person is first covered under the policy:

-has been diagnosed;

-for which the insured person has received medication, advice or treatment;

-which the insured person should reasonably, based on our appointed physician's opinion, have known about; or

-for which the insured person has experienced symptoms even if Insured Person has not consulted a Physician.

This exclusion does not apply to outpatient general practitioner and outpatient specialist care benefit.

Congenital conditions or genetic defects including hereditary conditions existing from the time of birth regardless of the time of discovery of such anomalies or defects (unless they are covered under the congenital conditions benefit.)

Routine or preventative physical examinations, investigation, medical check-up, vaccinations, treatments or follow-up consultations.

Eligibility & documents

Applicants must satisfy the following:

  • Adults from 18 to 65 years old (Age next birthday). Policy renewable up to age 80 (Age next birthday) subject to yearly review.
  • Children from 15 days old to 18 years old (Age next birthday). Policy renewable up to age 25 (Age next birthday) if he / she is enrolled in an educational institution on full-time higher education (and not in full-time national service).
  • Singapore Citizens, Permanent Residents of Singapore, Employment Pass Holders, Student Pass Holders, Dependant Pass Holders or Work Permit Holders.
  • Employment Pass Holders, Student Pass Holders, Dependant Pass Holders and Work Permit Holders must supply a copy of their respective pass or work permit and a bona fide residential address in Singapore.
  • Proposal for children must include at least one parent.

How to buy SmartCare Optimum Enhanced

Request a callback

Leave us your details and we'll get back to you within 3 business days.

Call us (HSBC Life (Singapore) Pte. Ltd.)

Call us at (65) 6880 4888 if you have any questions.

Email us

More information


SmartCare Optimum Enhanced is underwritten by HSBC Life (Singapore) Pte. Ltd. and distributed by HSBC Bank (Singapore) Limited. It is not an obligation of, deposit in or guaranteed by HSBC.

HSBC Life (Singapore) Pte. Ltd.'s authorised agents or distributors, including HSBC (together "the Agents") are neither underwriter nor broker for the customer. To the fullest extent permissible pursuant to applicable law, the Agents make no warranties or representation as to the accuracy, correctness, reliability or otherwise of the content of this marketing material. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering the marketing material be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the liability to use, the information in this marketing materials even if the Agents have been advised of the possibility of such damages.

The Agents and/or their employees will receive a commission from HSBC Life (Singapore) Pte. Ltd. in respect of this transaction. The Agents are not suppliers of the products and services and will not accept liability in relation thereto.

This web page contains only general information. This web page does not constitute, or form any part of any offer for sale, or solicitation of any offer to buy, any insurance product nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. It is also not intended to provide any insurance or financial advice. The specific terms, exclusions and conditions applicable to this insurance are described in the Policy which will only be issued upon acceptance of the Proposal Form. A copy of the Policy is available for inspection at HSBC Life (Singapore) Pte. Ltd. A person interested in this product should consider whether the product is suitable before making a commitment to purchase the product.

Policy Owners' Protection Scheme

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 Life (Singapore) Pte. Ltd. or visit the GIA or SDIC web-sites ( or

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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