Get fully covered*, no matter the cost of surgery, hospitalisation or non-surgical cancer treatments. Your post-surgery physiotherapy and rehabilitation costs will also be taken care of, so you and your family can have greater peace of mind during the recovery process.
HSBC Flexi Medical Insurance Plan - an individual indemnity hospital insurance plan keeps you covered extensively so you can live your best life.
Extensive coverage and the freedom to choose the options you need
- Rest easy with home nursing servicesWe know how vital home nursing services are to your recovery. If you need a qualified nurse after hospital discharge or a day case procedure, we'll provide you with one for up to 90 days.
- Obtain all-round coverage and comprehensive care
You'll be fully covered* for hospitalisation and surgical fees without any sub-limits in event you need medical care.
What's more, you'll be insured for eligible cancer treatment expenses, both surgical and non-surgical, up to the total annual benefit limit of your plan.
You can also enjoy additional benefits such as donor's benefit for organ transplantation, medical implants and rehabilitation benefits for greater coverage.
- Choose the level of benefits that suit you
Choose from 4 different plans, 3 geographical coverage and 4 annual deductible options - no deductibles,
MOP16,000/USD2,000, MOP50,000/USD6,250 and MOP100,000/USD12,500.What's more, you won't need to worry about any upfront out-of-pocket expenses in designated hospitals as long as you have obtained pre-authorisation from us.
- Enjoy more value added services from your policy
Reserve immediate treatment at over 200 designated hospitals in mainland China with a hospital admission deposit guarantee service2, if you're injured or ill there. You won't need to pay an admission deposit in advance.
We'll help you get a second medical opinion3 if you're diagnosed with any of the critical illnesses covered in your policy.
You'll also be able to find help no matter where you are, through the worldwide emergency assistance service4 provided by our partner, Allianz Partners.Additionally, get assistance from our Medical Concierge Consultant on making medical appointments and handling insurance-related documentation; enjoy free limousine service within Hong Kong or Macau area (Diamond level) 5
- Receive premium discounts for you and your loved onesWe'll offer you a no claim discount6 on your premium if you haven't made a claim under your policy for 3 or more consecutive policy years.
We'll also offer you a 10% premium discount if you and family members successfully enroll at the same time or if they're already members of the policy.
*Full coverage shall mean the actual amount of eligible expenses and other expenses charged and payable in accordance to the terms and benefits of this policy.
HSBC Flexi Medical Insurance Plan is a health insurance product which is not equivalent or similar to any kind of bank deposit, and is underwritten by HSBC Life (International) Limited, Macau Branch ("the Company"). Policyholders are subject to the credit risk of the Company. Please refer to the product brochure for details.
Speak with us
Limited time offers:
- Get 30% off your first-year premium, with an extra 10% off for family applications.Offer ends on 31 March 2025. T&Cs apply (PDF, 1.90MB).
- Get up to MOP1,500 shopping coupon upon successful application with designated annualised new premiumsOffer ends on 31 December 2024. T&Cs apply (PDF, 315KB).
- Get MOP200 shopping coupon by booking an appointment online to complete a Financial Check-up with usOffer ends on 31 December 2024. T&Cs apply (PDF, 265KB).
- Enjoy preferential interest rate after successfully applied for this planTime deposits are products offered by HSBC Bank. T&Cs apply (PDF, 355KB).
How does it work
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Make a claim
Sometimes life doesn't go according to plan and you'll want to make an insurance claim as soon as possible.
Simply call the claims service hotline (853) 2821 6133 / (852) 3128 0122 and our professional claims team will help you deal with your claim.