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HospitalSurance: Hospital Cash Insurance

Financial support when you need it most

If you need to stay in hospital, there’s no need to worry about loss of income. We’ll pay you daily cash payments on top of your existing medical insurance benefits under other insurance plans that you are free to use for any purpose. You’ll also pay lower premiums the younger you take out your policy.

Key feature

  • Choose from 4 levels of hospital cash payments according to your needs, with daily cash payments from HKD500 to HKD2,000
  • We’ll refund 30% of the premiums you’ve paid if you don’t claim for 5 consecutive years
  • We’ll pay double cash benefits in certain cases, up to a maximum of HKD3 million
  • On top of your daily cash benefits, we will also reimburse surgical expenses should you need an operation while you are in hospital - such as surgeon's fee, anaesthetist's fee and the operating theatre fee - up to ten times your daily limit, per illness or accident
  • Express Claims Approval Service for any qualified claims amount below HKD5,000, upon receipt of all required documents

Claim online anytime. Or claim over the phone or at an HSBC branch.

What’s included?


Flexible cash plans to suit your needs

Get cash benefits ranging from HKD500 to HKD2,000 per day1. Select the plan that suits your needs and matches your budget. You can continue to receive cash benefits for as long as 750 days, or up to HKD1.5 million per illness or accident.


Receive double benefits

In some cases we’ll pay double benefits – up to HKD4,000 per day – if you are hospitalised:

  • outside the Hong Kong/Macau SAR, or mainland China
  • for a major organ transplant, including bone marrow transplant
  • with your insured spouse as a result of the same accident
  • for treatment requiring an intensive care unit


We’ll pay these for up to 750 days or up to 90 days for a stay in an intensive care unit.


No claims cash bonus

HospitalSurance doesn’t just pay when you need hospital treatment – it also pays if you stay healthy. If you don’t make a claim for 5 consecutive years, we’ll refund 30% of the premiums you paid over those 5 years in cash.


Surgical allowance benefit

If you need an operation while you’re in hospital, we’ll reimburse surgical expenses such as surgeon, anaesthetist and operating theatre fees. We’ll cover you up to 10 times your daily cash benefit limit per illness or accident.


For more details and a full list of exclusions, refer to our policy document. 


Note: If you are hospitalised in mainland China you are limited to 50% of the daily cash benefit.

Manage your policy

Manage your policy online

Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.

Make a claim

Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.


You may submit a claim online anytime or call our claims hotline on (852) 2867 8678 should you require any help.


Express Claims Approval Service for any qualified case for claim amount below HKD5,000 will be processed immediately and claims payment will be approved within 2 working days upon receipt of all required documents as may be required by AXA General Insurance Hong Kong Limited (AXA). Should further information be required, AXA will send a follow up letter to the claimant within 5 working days.

Have you considered


Accident insurance protects you and your dependents against the financial strain that a personal accident can bring.


A holistic yet easy to understand product designed to protect you when the unfortunate happens and help you on the path to recovery.

Any children covered are limited to 50% of the specified adult limit.

Partner means someone with whom the insured person lives in a relationship equivalent to marriage, whether of the same or opposite gender.

No medical check-up is required.



Please note that HospitalSurance’ coverage may overlap with your other existing protection plans’ coverage or exceed your needs, we suggest you compare HospitalSurance’ coverage with any existing protection plan you have in place to avoid duplication.

General Insurance products are applicable to HSBC Account holders and HSBC credit card holders only.  

The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.