The world's local bank
FirstCare Medical Insurance
Preferred Care - an ideal complement to FirstCare
Key features
FirstCare's flexible structure
Recognising that needs may be different among family members, FirstCare's flexible structure allows you to combine different plans and optional benefits for each of your family members under one policy, and even to insure your child only. You only need to pay for the coverage you need and enjoy a family discount if you enroll with your spouse and/or children together.
Top-up plan to supplement your company policy
FirstCare can also be used as a supplementary cover to top up any existing company or individual medical scheme. Company Top-up Plan of FirstCare can supplement the gap of your company policy to ensure adequate protection at extra low premium. The plan can be converted to higher coverage if necessary.
| Core Protection | Other optional benefits | ||
| Basic plan | Hospital and surgical benefits
+ Optional supplementary major medical benefits (80% reimbursement) |
+ | Out-patient benefits
Dental benefit
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| or | |||
| Essential plan | Hospital and surgical benefits
+ Optional supplementary major medical benefits (80% reimbursement) |
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| or | |||
| Privilege plan | Hospital and surgical benefits
+ Optional supplementary major medical benefits (1) 80% reimbursement (2) 100% reimbursement |
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| or | |||
| Company Top-up plan | Hospital and surgical benefits |
Value-added:
| (1) | Free annual medical services plus free critical illness check-up once every three years from 50 years old onwards (Please refer to the 'Summary of benefits' table for details of the medical services and check-up package) |
| (2) | Free worldwide emergency and medical helpline |
| (3) | Medical evacuation service (applicable to Privilege Plan) |
| (4) | Free remote second opinion service (applicable to Essential and Privilege Plan) |
| (5) | Wellness health check at discount rate |
Guaranteed lifetime renewal
Once you enrol, you can choose to be covered for life. Regardless of your health status or the number of claims you make, your policy is always renewable*.
Free wellness health check
Prevention is as important as treatment. With FirstCare, you can enjoy one free annual check-up from a selection of medical services, including basic wellness health check**, bone density test (spine and hip), influenza vaccination, standard eye-care package (by optometrist) or Pap Smear (for females). From the age of 50 onwards, you can also receive an additional free medical check up on critical illnesses at renewal (e.g. screening of cancer, rheumatology, diabetic and gout, etc.) once every three years.
Credit facility for planned hospitalisation
Most in-hospital treatments are planned. If you enrol in Basic, Essential or Privilege plan, all you need to do is to notify us in advance and get approval, so you can obtain credit facility for your treatment***. When you present your FirstCare card and the letter of credit facility, no advance payment will be required by private hospitals in Hong Kong.
No claim discount
A 15% discount on Hospital & Surgical Benefit and optional Supplementary Major Medical Benefit (if applicable) will be offered after 3 consecutive years without making a claim.
Even overseas treatments are covered
Coverage is worldwide and treatment for sickness or accidental injury will be covered even while you are abroad.
24-hour hotline service
If you need assistance with an emergency condition at any time of the day or night, you can call our 24-hour Worldwide Emergency and Medical Helpline, which is staffed by medical practitioners who can offer appropriate assistance. You can be sure that assistance is available by calling our helpline.
Other value added services:
- Access to Hong Kong's private hospitals without the need to pay a deposit in advance
- Wellness health checks at a special price
- Access to a remote second opinion service# from a leading US hospital (applicable to Essential Plan and Privilege Plan)
- Emergency medical evacuation service (applicable to Privilege Plan only)
- View your policy details and claims history via HSBC Internet Banking##
- Access to HealthNet, where you can obtain current health issues and practical health tips
Coverage and premium charges
Please read the Summary of benefits table for coverage details and the premium table for premium charges.
Who can apply?
Anyone between the ages of 18 and 74 (or up to 64 for Company Top-up Plan or optional outpatient benefit) is eligible to apply. You can also choose to insure just your children who are aged between 15 days and 17 years or full-time students below the age of 23. If you enrol with your spouse and/or child(ren), you will get a 10% discount.
Major Exclusions
- Congenital abnormalities and pre-existing medical conditions
- Cosmetic surgery
- Surgical expenses that are recoverable from a third party
- Pregnancy, childbirth, miscarriage, abortion, pre-natal and post-natal care, surgical, mechanical or chemical contraceptive methods of birth control or treatment for infertility or sterilization of either sex
- Sexually transmitted diseases and HIV related disability if diagnosed within five years from inception of cover
- Mental or behavioral disorders
- Drug addiction, alcoholism or drunk living
- Suicide, self-destruction, self-inflicted injury
Pre-existing Conditions:
| (a) | Disabilities which existed before the Effective Date in respect of an Insured Person and which presented signs or symptoms of which the Insured Person was aware or should reasonably have been aware. | |
| (b) | Without prejudice to (a), the following Disabilities when occurring during the first year from the Effective Date (but not to the exclusion of all others): | |
| (i) | Tumours of Internal Organs | |
| (ii) | Haemorrhoids | |
| (iii) | Diseased Tonsils requiring surgery | |
| (iv) | Pathological Abnormalities of Nasal Septum or Turbinates | |
| (v) | Hyperthyroidism | |
| (vi) | Cataracts | |
| (vii) | Sinus Conditions requiring surgery | |
| (viii) | Hallux Valgus | |
| (c) | Without prejudice to (a) and (b), the following Disabilities when occurring during the first 6 months from the Effective Date (but not to the exclusion of all others): | |
| (i) | Tuberculosis | |
| (ii) | Anal Fistulae | |
| (iii) | Gall Stones | |
| (iv) | Calculi of Kidney, Urethra or Bladder | |
| (v) | Hypertension, Cardiac Disease or Vascular Disease | |
| (vi) | Gastric or Duodenal Ulcer | |
| (vii) | Tumours of skin, muscular tissue, bone tumours or malignancies of blood or bone marrow. | |
| (viii) | Diabetes Mellitus | |
| * | For Supplementary Major Medical Benefits, renewal is up to the age of 74 only. The premium rates and age groups are not guaranteed. The premium payable upon annual renewal and the terms of any renewal may not be the same as the expiring policy and will be determined by HSBC Insurance (Asia) Limited. |
| ** | Including weight, height, blood pressure, pulse, blood glucose, cholesterol and triglycerides |
| *** | The issuance of credit facility letter is subject to the final decision of HSBC Insurance (Asia) Limited. |
| # | This remote second opinion consultation service is provided by a medical service provider which is an independent contractor and is not an agent of HSBC Insurance (Asia) Limited or The Hongkong and Shanghai Banking Corporation Limited. HSBC Insurance (Asia) Limited or The Hongkong and Shanghai Banking Corporation Limited shall not be held responsible for any medical opinions given by the medical service provider. |
| ## | For HSBC Internet Banking customers only. |
| NB: The above information is intended as a general summary. Please refer to the FirstCare policy for full terms and conditions |
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| FirstCare is underwritten by HSBC Insurance (Asia) Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hong Kong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Insurance (Asia) Limited. |
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| FirstCare offered by HSBC Insurance (Asia) Limited is only available for subscription by residents of the Hong Kong SAR. | |
Preferred Care - an ideal complement to FirstCare
Preferred Care is an ideal complement to FirstCare, bringing you advanced medical treatments and access to world-class hospitals in the United States with full financial protection.
Benefits
- Medical advice and proven treatment plan
- Diagnosis verified by a leading US medical specialist
- Medical treatment in the top 1% of US hospitals, up to a maximum of USD$2,000,000
- Cover travel and accommodation costs for you and your companion up to USD$20,000
- High quality patient service from a Personal Care Manager to keep you informed about your treatment plan and options
- Cover for major critical illnesses including cancer treatment, heart surgery for coronary artery bypass or valve replacement, interventional cardiology procedures for opening narrowed coronary arteries, neurosurgery for tumors and vascular repair, major vascular surgery and major organ transplants.
Premiums
Annual Fee Table (per person)
| Age | USD |
| 1 - 19 | $151 |
| 20 -29 | $199 |
| 30 - 34 | $291 |
| 35 - 39 | $445 |
| 40 - 44 | $705 |
| 45 - 49 | $921 |
| 50 - 54 | $1,297 |
| 55 - 59 | $1,833 |
| 60 - 64 | $2,438 |
| 65 - 69 | $3,132 |
| 70 - 74 | $3,600 |
| 75 - 79* | $3,901 |
| 80 - 89* | $4,000 |
| 90 - 99* | $4,101 |
* For renewal only
To apply Preferred Care, please call (852) 2233 3131 during business hours.
The Preferred Care programme is managed by Preferred Global Health, LTD (PGH), an independent patient organisation specialising in the development and management of healthcare programmes worldwide.
Preferred Care is underwritten by HSBC Insurance (Asia) Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Insurance (Asia) Limited.
NB: The above information is intended as a general summary. Please refer to the Preferred Care policy for full terms and conditions.
