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.
Get cash benefits ranging from HKD500 to HKD2,000 per dayfootnote1. 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.
In some cases we’ll pay double benefits – up to HKD4,000 per day – if you are hospitalised:
We’ll pay these for up to 750 days or up to 90 days for a stay in an intensive care unit.
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.
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.
1Any children covered are limited to 50% of the specified adult limit.
Note: If you are hospitalised in mainland China you are limited to 50% of the daily cash benefit.
When life surprises you, additional benefits included in this policy can offer you more support.
Lower premiums locked in at an earlier age
Buying cover when you’re younger means you’ll pay lower premiums. HospitalSurance premium is based on your age at entry. Your HospitalSurance Insurance policy will be automatically renewed until your 65th birthday.
Free cover for additional children
One fixed premium for all children. Additional children are automatically covered by our hospital insurance plan when they reach the age of 6 months, at no extra cost.
|Premium (monthly)||Plan A
Children (one fixed premium for all children)footnote2
|Premium (annual) / Age||Plan A
|Children(one fixed premium for all children)footnote2||624||1,248||1,860||2,484|
Note: Premiums are based on your age at entry, but they are not guaranteed to remain unchanged and AXA General Insurance Hong Kong Limited reserves the right to vary the premiums of the policy.
Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit www.axa.com.hk/ia-levy or contact AXA at (852) 2867 8678.
2Benefit for children is 50% of the specified adult limit. Unmarried dependent children are covered from the age of six months to 21 years, or until the age of 23 if they are full-time students at an accredited school or college.
To be able to apply you must be:
We also accept family enrolments. Family members include:
3Partner 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.
At HSBC, we know that priorities change. That’s why we give you the power to make changes to your insurance policy online anytime.
It's easy to:
You can also call our Insurance Service Hotline at (852)2867 8678 (852)2867 8678.
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) 2288 6808(852) 2288 6808 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.
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.
Pre-existing conditions are commonly excluded in medical and hospitalisation policies because it is not the insurer's intention to cover the cost of an existing condition. Therefore, it is usual to exclude injuries or sicknesses which occur, exist, commence or present signs or symptoms before the commencement of the policy coverage. The definition of pre-existing condition is defined in the policy document. Please refer to the policy for details.
The sickness listed as exclusions are mostly common chronic illnesses which normally require a development period ranging from six months to one year. Some diseases require a longer range of development cycle to develop symptoms than others. In general, those illnesses excluded during the first year are believed to have a longer development period (e.g. Tumours of internal organs).
Medical insurance normally has a term "waiting period" which means no coverage on any illnesses will be offered during that period. To provide you with instant protection, our HospitalSurance does not have waiting period. However, for illnesses that are identified as exclusion at the inception of policy will not be covered at any time within the policy period.
The plan aims to cover those who are hospitalised due to sickness or injuries and therefore treatment must be involved.
If your surgical expenses have been fully reimbursed by a third party, you will not receive further reimbursement from HospitalSurance under surgical benefit. However, you are still entitled to daily hospital cash benefit if you are hospitalised due to a covered medical condition.
Applying for HospitalSurance is simple and easy. You are not required to have medical check-up which means you are free from any additional medical check-up fee.
If you have not made a claim for five consecutive years, you will receive a cash refund of 30% of the premiums you have paid. This refund will be credited automatically to the account which you have used to pay your premiums.
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.