How do we compare with VHIS | FirstCare Plus

With HSBC FirstCare Plus, you know you'll be getting the best care for your family. We've made sure you will get full coverage at established private hospitals in the AXA Signature Network¹ including Hong Kong Sanatorium & Hospital, Hong Kong Baptist Hospital, Gleneagles Hong Kong Hospital, Matilda International Hospital, and Union Hospital. That way you can focus on recovery, and leave the rest to us.

To see how FirstCare Plus compares with Voluntary Health Insurance Scheme (VHIS) certified plans, please click here.

Latest offer

Successfully apply for family coverage and enjoy an annual 10% discount⁵

What's in FirstCare Plus?

Full coverage with the AXA Signature Network

When medical issues arise, we know the only thing that matters is getting the absolute best for your family. With FirstCare Plus, you can enjoy full coverage at established private hospitals.

Annual medical benefit of up to HKD5 million with no sub-limits

There are absolutely no caps on individual treatments so rest easy knowing you’ll be fully reimbursed up to your single annual limit of up to HKD5 million².

Say goodbye to complicated claims

With direct billing, you can focus on recovery rather than filing claims. Your medical bills will be automatically settled when you visit any of the AXA Signature Network hospitals³.

Let us help you prevent illness before it starts

We’ve included free health checks and flu shots so you can help your family prevent medical issues before they arise.

Key features

Your worry free medical protection

Enhanced services

The AXA Signature Network

Standard ward

Applicable for all Plans

2 - 12 units per room
Shared bathroom and toilet
TV
Free WiFi
Room size: 314 sq ft. - 1,020 sq ft.

Semi-private room

Applicable for Enhanced and Top Plan

2 units per room
Shared bathroom and toilet
TV
Refrigerator
Free WiFi
Room size: 200 sq ft. - 302 sq ft.

Private room

Applicable for Top Plan

Private single room
Private bathroom and toilet
TV
Refrigerator
Free WiFi
Room size: 150 sq ft. - 271 sq ft.

Standard ward

Applicable for all Plans

2 units per room (60+ patients per floor)
Shared bathroom and toilet
TV
Free WiFi
Room size: 306 sq ft.

Semi-private room

Applicable for Enhanced and Top Plan

2 units per room (30+ patients per floor)
Shared bathroom and toilet
Refrigerator
TV
Free WiFi
Room size: 306 sq ft.

Private room

Applicable for Top Plan

Private single room
Private bathroom and toilet
Refrigerator, coffee/tea machine
Bluetooth speaker and charger
Free WiFi
Room size: 285 sq ft.

Standard ward

Applicable for all Plans

3-4 units per room
Shared bathroom and toilet
TV
Free WiFi
Room size: 235 sq ft.

Semi-private room

Applicable for Enhanced and Top Plan

2 units per room
Shared bathroom and toilet
TV
Free WiFi
Room size: 235 sq ft.

Private room

Applicable for Top Plan

Private single room
Private bathroom and toilet
TV
Free WiFi
Room size: 260 sq ft.

Standard ward

Applicable for all Plans

3 - 6 units per room
Shared bathroom and toilet
TV
Free WiFi

Semi-private room

Applicable for Enhanced and Top Plan

Private single room
Shared bathroom and toilet
Refrigerator
TV
Free WiFi

Private room

Applicable for Top Plan

Private single room
Private bathroom and toilet
Refrigerator
TV
Free WiFi

Standard ward

Applicable for all Plans

4, 5 or 14 units per room
Shared bathroom and toilet
TV
Free WiFi
Room size: 570sq ft. - 1922sq ft.

Semi-private room

Applicable for Enhanced and Top Plan

2 - 3 units per room
Shared bathroom and toilet
Refrigerator
TV
Free WiFi
Room size: 286 sq ft. - 438 sq ft.

Private room

Applicable for Top Plan

Private single room
Private bathroom and toilet
Massage chair
TV
Free WiFi
Room size: 190 sq ft. - 1000 sq ft.

(International Medical Centre)

Private room only

Applicable for Top Plan

Private single room
Private bathroom and toilet
TV
Free WiFi
Room size: 269 sq ft.

Unfortunately we can’t cover you for:

Treatment, test or service which are not medically necessary
Sexually transmitted diseases and HIV-related disability if diagnosed within five years from inception of cover
Drug addiction, alcoholism, illegal activity, suicide or intentional self-inflicted injury
Cosmetic or plastic surgery solely for the purpose of beautification
Medical services and counselling services relating to maternity conditions and its complications (except where specifically included for coverage under maternity benefit and/or maternity complications)
Procurement or use of special braces, appliances, hearing aids, wheelchairs, crutches or any other similar equipment
Replacement of existing medical implants
Experimental treatment or drugs
Congenital conditions
Pre-existing conditions
War (declared or undeclared), civil war, terrorist act, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, military or usurped power
High risk occupations or activities (For example, deep sea diving, mountaineering, parasailing, daring feats or stunts, potholing, driving or riding in any kind of race, or work or activities involving dangerous or contaminable substances.)

For more details, refer to our policy terms and conditions.

To apply, you need to:

be an adult between the age of 18 and 80
hold an HSBC credit card

For family enrolments, you can cover in your policy:

your spouse/partner⁴ or children between the age of 15 days and 17 years old
children age of 22 or below who are financially solely dependent upon the policy holder and registered as a full time student at school, college or university

For you and your family members to enjoy a 10% family discount⁵, your parents or siblings need to be insured under separate FirstCare or FirstCare Plus policies, and should be the policy holders of their own policies.

For more details, refer to our policy terms and conditions.

How do we compare with Voluntary Health Insurance Scheme (VHIS) certified standard plans?

FirstCare Plus is tailored to offer flexibility and customer-oriented benefits that best fit customers needs. In view of the standardised requirements imposed under VHIS, our comprehensive coverage offered under FirstCare Plus is not a VHIS certified plan. Please see the comparison table below to learn more

How do we compare with Voluntary Health Insurance Scheme (VHIS) certified standard plans?
Comparison table of VHIS and FirstCare Plus
Plan Structure	VHIS (Standard Plan)	FirstCare Plus
Overall Annual Benefit Limit	$420,000	$250,000 to $5,000,000
Room and board	$750 per day Maximum 180 days per policy year	Paid in full* up to 280 days per policy year
Miscellaneous charges	$14,000 per policy year	Paid in full*
Attending doctor's visit fee	$750 per day Maximum 180 days per policy year	Paid in full*
Specialist's fee	$4,300 per policy year	Paid in full*
Intensive care	$3,500 per day Maximum 25 days per policy year	Paid in full* up to 30 days per policy year
Surgeon's fee	Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – Complex $50,000 Major $25,000 Intermediate $12,500 Minor $5,000	Paid in full*
Anaesthetist's fee and operating theatre charges	35% of surgeon's fee payable	Paid in full*
Prescribed Diagnostic Imaging Tests (e.g. CT scan, PET scan, MRI)	$20,000 per policy year Subject to 30% coinsurance	Paid in full*
Prescribed Non-surgical Cancer Treatments (radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy)	$80,000 per policy year	Paid in full*
Pre- and Post-Confinement / Day Case Procedure outpatient care	$580 per visit, up to $3,000 per policy year 1 prior outpatient visit or Emergency consultation per Confinement / Day Case Procedure 3 follow-up outpatient visits per Confinement / Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)	Paid in full* 1 visit per Confinement / Day Case procedure within 30 days before Hospitalisation Up to 2 visits per Confinement / Day Case Procedure within 6 weeks after Hospitalisation; medication up to 7 days per visit
Psychiatric treatments	$30,000 per policy year	Not covered
Post-Confinement / Day Case Procedure outpatient ancillary services	Not covered	Basic: Not covered Saver: $2,000 Standard: $3,000 Enhanced: $6,000 Top: $10,000
Companion bed	Not covered	Paid in full* Up to 280 days per policy year
Renal dialysis	Covered during Confinement Only	Paid in full*
Local ambulance between hospitals	Covered under Miscellaneous Charges	Paid in full* Standard Plan or above only
Geographical limit	Worldwide (except Psychiatric treatments)	Worldwide excluding USA

How do we compare with Voluntary Health Insurance Scheme (VHIS) certified standard plans?
Comparison table of VHIS and FirstCare Plus
Plan Structure	Overall Annual Benefit Limit
VHIS (Standard Plan)	$420,000
FirstCare Plus	$250,000 to $5,000,000

Plan Structure	Room and board
VHIS (Standard Plan)	$750 per day Maximum 180 days per policy year
FirstCare Plus	Paid in full* up to 280 days per policy year

Plan Structure	Miscellaneous charges
VHIS (Standard Plan)	$14,000 per policy year
FirstCare Plus	Paid in full*

Plan Structure	Attending doctor's visit fee
VHIS (Standard Plan)	$750 per day Maximum 180 days per policy year
FirstCare Plus	Paid in full*

Plan Structure	Specialist's fee
VHIS (Standard Plan)	$4,300 per policy year
FirstCare Plus	Paid in full*

Plan Structure	Intensive care
VHIS (Standard Plan)	$3,500 per day Maximum 25 days per policy year
FirstCare Plus	Paid in full* up to 30 days per policy year

Plan Structure	Surgeon's fee
VHIS (Standard Plan)	Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – Complex $50,000 Major $25,000 Intermediate $12,500 Minor $5,000
FirstCare Plus	Paid in full*

Plan Structure	Anaesthetist's fee and operating theatre charges
VHIS (Standard Plan)	35% of surgeon's fee payable
FirstCare Plus	Paid in full*

Plan Structure	Prescribed Diagnostic Imaging Tests (e.g. CT scan, PET scan, MRI)
VHIS (Standard Plan)	$20,000 per policy year Subject to 30% coinsurance
FirstCare Plus	Paid in full*

Plan Structure	Prescribed Non-surgical Cancer Treatments (radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy)
VHIS (Standard Plan)	$80,000 per policy year
FirstCare Plus	Paid in full*

Plan Structure	Pre- and Post-Confinement / Day Case Procedure outpatient care
VHIS (Standard Plan)	$580 per visit, up to $3,000 per policy year 1 prior outpatient visit or Emergency consultation per Confinement / Day Case Procedure 3 follow-up outpatient visits per Confinement / Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
FirstCare Plus	Paid in full* 1 visit per Confinement / Day Case procedure within 30 days before Hospitalisation Up to 2 visits per Confinement / Day Case Procedure within 6 weeks after Hospitalisation; medication up to 7 days per visit

Plan Structure	Psychiatric treatments
VHIS (Standard Plan)	$30,000 per policy year
FirstCare Plus	Not covered

Plan Structure	Post-Confinement / Day Case Procedure outpatient ancillary services
VHIS (Standard Plan)	Not covered
FirstCare Plus	Basic: Not covered Saver: $2,000 Standard: $3,000 Enhanced: $6,000 Top: $10,000

Plan Structure	Companion bed
VHIS (Standard Plan)	Not covered
FirstCare Plus	Paid in full* Up to 280 days per policy year

Plan Structure	Renal dialysis
VHIS (Standard Plan)	Covered during Confinement Only
FirstCare Plus	Paid in full*

Plan Structure	Local ambulance between hospitals
VHIS (Standard Plan)	Covered under Miscellaneous Charges
FirstCare Plus	Paid in full* Standard Plan or above only

Plan Structure	Geographical limit
VHIS (Standard Plan)	Worldwide (except Psychiatric treatments)
FirstCare Plus	Worldwide excluding USA

* Provided that the medical services are conducted within AXA Signature Network, or pre-authorisation is obtained if the medical services are conducted out-of-AXA Signature Network. Please refer to the relevant FirstCare Plus Medical Insurance product brochure, policy provisions and insert for details of AXA Signature Network.

Important information

FirstCare Plus Terms & Conditions (PDF, 816KB) About Life Insurance Policy holder user guide This link will open in a new window

Download FirstCare Plus Product brochure (PDF, 1.01MB) About FirstCare Plus Product brochure This link will open in a new window

Download FirstCare Product insert (PDF, 459KB) about FirstCare Product insert This link will open in a new window

Frequently asked questions (FAQs)

Forms & Documents

Make a claim

Contact us

Disclaimer

The above information is intended as a general summary. For more details, please refer to the policy terms and conditions.

General insurance products are applicable to HSBC account holders and HSBC credit card holders only.

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.

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.

For more information, please contact AXA General Insurance Hotline (852) 2867 8678.

The images of the hospital rooms for different hospitals are shown for your reference only. The choice of rooms at the hospitals is subject to avaliability upon admission; and the facilities to be available in the rooms are subject to change by the hospitals without prior notice.

¹ The list of hospitals may change from time to time without prior notice.

² The maximum coverage varies for different plan options.

³ With necessary reimbursement from you if your claims exceed the benefit limits.

⁴ Partner means someone with whom the insured person lives with in a relationship equivalent to marriage, whether of the same or opposite gender.

⁵ A family discount will automatically be applied to your policy if there are 2 or more people in this application.

You can also apply for a family discount if a member of your family has an existing FirstCare or FirstCare Plus policy. All you need to do is provide us with your family member's existing policy number, and the policy holder's HKID/passport number during your application process.

'Family' refers to your spouse or partner⁴, children, parents and siblings.

'Children' shall mean any child of the policy holder who is between the age of 15 days and 17 years old, or age of 22 or below who is financially solely dependent upon the policy holder, and is registered as a full time student at school, college or university.

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FirstCare Plus Medical Insurance

What's in FirstCare Plus?

The AXA Signature Network

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Major exclusions

Eligibility

How do we compare with Voluntary Health Insurance Scheme (VHIS) certified standard plans?

Comparison table of VHIS and FirstCare Plus

Important information

Contact us

At an HSBC branch

Application assistance

Claims assistance

End Notes