Flexi Medical Insurance Plan | Medical Insurance

HSBC MO
Insurance
Flexi Medical Insurance Plan

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

Cover yourself against unknown pre-existing conditions¹

We'll provide you with the full medical coverage^* immediately for eligible illnesses, including those arising from unknown pre-existing conditions¹, starting from your policy's effective date.
Rest easy with home nursing services

We 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 service⁴provided 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 ones

We'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

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Limited time offers:

Get 40% off your first-year premium, with an extra 10% off for family applications.

Offer ends on 30 June 2024. T&Cs apply (PDF, 1.55MB).
Get up to MOP1,500 shopping coupon upon successful application with designated annualised new premiums

Offer ends on 30 June 2024. T&Cs apply (PDF, 319KB).
Get an extra MOP200 shopping coupon by booking an appointment online to complete a Financial Check-up with us

Offer ends on 31 December 2024. T&Cs apply (PDF, 265KB).
Enjoy preferential interest rate after successfully applied for this plan

Time deposits are products offered by HSBC Bank. T&Cs apply (PDF, 331KB).

How does it work

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See how people around you are being protected

Chris is a 40-year old senior human resource manager at a multinational company. He has a 35-year old wife and a 6-year old son. He leads a pretty stressful life and wants to protect his family and himself against the unexpected. So he bought a HSBC Flexi Medical Insurance Plan to enjoy the protection.

Policyholder and insured person: Chris

Issue age⁷: 40

Benefit level: Bronze

Annual benefit limit (MOP): 5,000,000

Annual deductible amount: N/A

Annual premium (MOP): 10,926

One day, Chris is unfortunately found to have blocked heart blood vessels after experiencing shortness of breath and arm paralysis. His doctor has recommended that he undergo surgery and remain in the hospital for 3 days.

Here's how much it'll cost and how much Chris can be reimbursed for under the HSBC Flexi Medical Insurance Plan at the Bronze level:
Items	Cost (MOP)	Reimbursement of HSBC Flexi Medical Insurance Plan - Bronze (MOP)
Room and board (3 days)	3,180	Fully covered
Specified medical implants and miscellaneous charges	192,100 (60,000 x 3 + 12,100 )	Fully covered
Attending doctor's visit fee	3,180	Fully covered
Surgeon's fee	55,000	Fully covered
Operating theatre charges	25,000	Fully covered
Pre- and post-confinement / day case procedure outpatient care	1,000	Fully covered
Total fees / claimable amount	279,460	279,460 (100% claim ratio)

Here's how much it'll cost and how much Chris can be reimbursed for under the HSBC Flexi Medical Insurance Plan at the Bronze level:
Items	Room and board (3 days)
Cost (MOP)	3,180
Reimbursement of HSBC Flexi Medical Insurance Plan - Bronze (MOP)	Fully covered

Items	Specified medical implants and miscellaneous charges
Cost (MOP)	192,100 (60,000 x 3 + 12,100 )
Reimbursement of HSBC Flexi Medical Insurance Plan - Bronze (MOP)	Fully covered

Items	Attending doctor's visit fee
Cost (MOP)	3,180
Reimbursement of HSBC Flexi Medical Insurance Plan - Bronze (MOP)	Fully covered

Items	Surgeon's fee
Cost (MOP)	55,000
Reimbursement of HSBC Flexi Medical Insurance Plan - Bronze (MOP)	Fully covered

Items	Operating theatre charges
Cost (MOP)	25,000
Reimbursement of HSBC Flexi Medical Insurance Plan - Bronze (MOP)	Fully covered

Items	Pre- and post-confinement / day case procedure outpatient care
Cost (MOP)	1,000
Reimbursement of HSBC Flexi Medical Insurance Plan - Bronze (MOP)	Fully covered

Items	Total fees / claimable amount
Cost (MOP)	279,460
Reimbursement of HSBC Flexi Medical Insurance Plan - Bronze (MOP)	279,460 (100% claim ratio)

Under the HSBC Flexi Medical Insurance Plan, Chris will be fully reimbursed for the MOP279,460 that it would've otherwise cost him. This helps ease his money worries, giving him and his family more peace of mind while he recovers.

The above example is for illustrative purposes only without discounts. The above is also subject to plan coverage and item sub-limit, which will be determined by the Company at the discretion on a case by case basis. Please refer to the "Benefit schedule" section in the product brochure for details.

Are you eligible?

To apply, you need to:

be aged⁷ between 18 and 80
Persons insured be aged⁷ between 15 days and 80 years

Additional information

Product document

Product brochure (PDF, 1.78MB)

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LIFE Talk

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Uphold the promises to you and your loved ones with tips on how to protect yourself and your finances.

The above plans are life insurance plan underwritten by HSBC Life (International) Limited, Macau Branch ("the Company"). Policyholders are subject to the credit risk of the Company and early surrender loss.

Make a claim

A woman is claiming insurance via phone call

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.

Learn more find out more about Make a claim page

Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where - (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. The Company may impose case-based exclusion(s) to the pre-existing condition(s) notified to the Company in the application for the plan and any subsequent information or document submitted to the Company for the purpose of the application. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policyholder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Please refer to the Policy Provisions for the full terms and conditions.
The free hospital admission deposit guarantee service (in mainland China) is an optional service that may be provided by an assistance company which is an independent contractor ("Independent Service Provider") that is not an agent of the Company, subject to all of the following terms:
1. The provision of services is subject to the terms and conditions of the free hospital admission deposit guarantee service in mainland China. The Company reserves the right to amend its terms and conditions, from time to time without prior notice.
2. This is an optional service. Clients can opt-out the services by writing to the Company.
3. The provision of the service shall be further subject to the terms and conditions as may be determined by the Independent Service Provider, from time to time, for any use of the Independent Service Provider's service by the insured person.
4. The Company shall not make (and does not make) any representation, warranty or undertaking as to the availability of the services.
5. The Company shall not be liable to the policyholder or the insured person in any respect of any and all of the following: (i) any medical treatment and services which may be provided by any of the designated hospitals in mainland China or any health care service provider in anywhere, (ii) any action, activity, service or response in respect of any assistance company, or Independent Service Provider or (iii) any and all loss, damage, expense, suit, action or proceeding suffered or incurred (which may be incurred or suffered) by the insured person, and/or the policyholder, whether directly or indirectly, arising from or in connection with any of the services provided or advice given by the assistance company, Independent Service Provider or its agents, or the availability of such services.
The second medical opinion is provided by a medical service provider which is an independent contractor and is not an agent of the Company. The Company shall not be held responsible for or liable to the policyholder or of the insured person for anything in relation to such medical opinion given by the medical service provider and/or hospital. The Company reserves the right to amend the terms and conditions thereof from time to time without prior notice.
The provision of services is subject to the terms and conditions of the worldwide emergency assistance. The Company reserves the right to amend the terms and conditions thereof from time to time without prior notice. This is an optional service. Clients can opt-out the services by writing to the Company.
Medical Concierge Service is not a part of the policy in respect of HSBC Flexi Medical Plan. Complimentary round-trip limousine service is available for insured persons of Diamond Plan to or from Hospital for in-patient treatment within Hong Kong or Macau area. For more details of the Medical Concierge Service, please refer to the detailed terms and conditions.
If after a no claim discount has been deducted, a claim incurred in respect of previous five (5) policy years becomes payable under this policy, the no claim discount shall be re-calculated by taking into account the relevant claim payable, and the policyholder shall return to the Company immediately the difference between the re-calculated amount (in respect of no claim discount) and the no claim discount actually paid to the policyholder.
Unless otherwise specified, all ages mentioned in this webpage refer to the age of the insured person on his or her last birthday.

HSBC Flexi Medical Insurance Plan is a health insurance product which is not equivalent or similar to any kind of bank deposit. The policyholder is subject to the credit risk of the Company. The information shown above is intended as a general summary for your reference only. If you wish to learn more about any of the above insurance plans, please refer to the respective product brochure for detailed features and the Policy Provisions for the detailed terms and conditions on the insurance product webpages.

HSBC Life (International) Limited
HSBC Life (International) Limited ("HSBC Life") is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.

Hong Kong Special Administrative Region office
18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong

HSBC Life (International) Limited, Macau Branch
HSBC Life (International) Limited, Macau Branch ("the Company", "we" or "us") is a branch incorporated in accordance with Macau laws, and is one of the HSBC Group's insurance underwriting subsidiaries.

Macau Special Administrative Region office
Main office: 1/F, Edf. Comercial Si Toi, 619 Avenida da Praia Grande, Macau
HSBC Life Insurance Planning Centre: Unit AC, Dynasty Plaza, 393 Alameda Dr. Carlos d’Assumpcao, Macau

The Company is authorised and regulated by the Autoridade Monetária de Macau ("AMCM") to carry on long-term insurance business in the Macau Special Administrative Region.

In respect of an eligible dispute (as defined in the admissibility scope in the Mediation Scheme for Financial Consumption Disputes) arising between HSBC Life and you out of the selling process or processing of the related transaction, HSBC Life is required to enter into a Financial Consumption Dispute Mediation process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between the Company and you directly.

Issued by the HSBC Life (International) Limited (Incorporated in Bermuda with limited liability), Macau Branch

HSBC Flexi Medical Insurance Plan