Top of main content

Preferred Care Medical Insurance

Cover for Critical Illness

If critical illness strikes you or your family, only the latest medical technology and advanced treatment is good enough. And that’s just what Preferred Care offers - you’ll have access to world-class medical centres in the USA for personalised medical advice and treatment planning. The programme is a proactive quality protection plan that includes your own personal care manager to help you and your family before, during and after treatment.

Key features

  • Cover for medical treatment and services up to USD2 million per year
  • A personal care manager and trained medical team to help and advise at every stage
  • No claims forms or deductibles – all expenses paid directly by us
  • Cover for medical treatment and services up to USD2 million per year
  • Cover for cancer, major cardiac, coronary or vascular surgery, some neurosurgery and major transplants
  • Exclusive to HSBC account holders

What's included?


Medical advice and treatment planning

If you or a loved one are diagnosed with a critical illness, your Preferred Care plan will kick in straight away.


Personal care manager and medical team

Your personal care manager is a trained medical professional. Along with an expert medical team, they will help you and your family to understand your options and choose the right treatment plan. We’ll then make arrangements for your treatment at a top-ranking hospital in the USA.


Cover for 6 of the most serious critical illnesses

  • Cancer treatment
  • Heart surgery for coronary artery bypass or valve replacement
  • Interventional cardiology procedures for opening of narrowed coronary arteries
  • Neurosurgery for tumours and vascular repair
  • Major vascular surgery
  • Major organ transplants


Coverage for pre-existing conditions

Unlike many health care programmes, with Preferred Care pre-existing conditions are not automatically excluded forever. After you have had your Preferred Care policy for 2 years – and providing you have had 4 consecutive years without any treatment or evidence of the condition – you can apply for the condition to be included in your coverage. We will decide whether we are able to cover you on a case-by-case basis.


Top experts and US hospitals selected for you

Our partner, Preferred Global Health, will recommend the specialist and hospital from leading experts and hospitals in the USA they feel are best for your medical requirements from leading experts and hospitals in the USA.


Travel and accommodation help

We'll help with visa applications, travel bookings and airport transfers – including an ambulance if required. We’ll arrange accommodation for you or your loved one and a companion, and help you get your bearings in the USA. We'll also provide Chinese language translation and interpretation if you need it.


Comprehensive cover up to USD2 million

Costs for medical treatments and services will be paid in full and directly of up to USD2 million1for each insured person subject to policy exclusions, so you don’t have to worry about claim forms and deductibles or excesses. Your cover includes a USD20,000 travel and accommodation allowance for every treatment episode.


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

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.

Have you considered


Receive daily cash payments of up to HKD2,000 to support you financially if you need to stay in hospital, so you can focus on getting better.


Term life insurance you can tailor with additional benefits like critical illness cover, hospital cash and more—available online only.

1 Subject to 2 million limit and exclusion.



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.