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Flexible for all the family

Keep your family healthy with FirstCare – a comprehensive range of health insurance options for you and your loved ones. Build a policy to match your budget by selecting different levels of medical cover and optional benefits for each family member. You can also use FirstCare to top up an existing company or individual medical scheme.

Key features

  • 4 levels of hospital and surgical care to match your budget and your needs
  • A range of options to suit you and your family, including outpatient, dental and maternity treatment
  • Worldwide cover, including immediate admission to selected hospitals in China with our deposit guarantee service
  • 15% discount if you renew Hospital and Surgical Benefits and Optional Supplementary Major Medical Benefits (if applicable) without making a claim for 3 consecutive years
  • Guaranteed lifetime policy renewal, free annual health check, medical services including eyesight and pap smear tests as well as a flu vaccination

Year-round Offer

Successfully apply to enjoy 10% off in family enrolment on first-year premium.

Special Offer

Successfully apply FirstCare on or before 31 Aug 2017 and settle payment by annual payment mode to get Vio & Partners Medical Cash Voucher.

Apply any 2 General Insurance products: AccidentSurance, Cancer Care, FirstCare, HomeSurance, HospitalSurance, Motor Insurance, Outpatient Care, and Multi-trip TravelSurance, Wellcome Shopping Vouchers will be offered to the applicant(s).

Click here for Terms and Conditions.

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Medical Insurance Plan Selector

What type of Medical Insurance is right for you?


  • Summary of cover Select to Expand Select to Collapse

    What’s included?

    Hospital and surgical treatment

    Get your hospital and surgical costs paid up to your policy limit when you or a covered family member becomes ill or needs any medical treatment, even overseas.

    4 cover plans to suit your needs

    Choose from our Basic, Essential and Privilege plans, depending on the cover you require. Or if you have existing company insurance, our Company Top-up plan works alongside it to give you enhanced coverfootnote1.

    Supplementary Major Medical benefits

    You can choose to extend your hospital and surgical so you will not have to worry about the cost of treatment exceeding your plan limit, minimising the financial impact in case of unexpected illness.

    Outpatient care

    Additional cover is available for a wide range of general, specialist and Chinese medicine practitioners, including acupuncture and other forms of alternative treatments. While a large network of professionals across Hong Kong, Macau and mainland China are available, you may also choose your own preferred doctor even if they are not in the network.

    Maternity care

    Optional maternity benefits are available that cover hospital confinement, pre-natal, and post-natal outpatient expenses in case of normal delivery, abnormal delivery, or miscarriage. Please note that maternity benefits are not payable during the first year of plan coverage.

    Dental care

    Make sure there are smiles all round with up to HKD3,500 of dental treatment each year for each insured person.  

    For more details, refer to our insurance policy.

    Note: These services are provided by a third party service provider which is an independent contractor and is not an agent of AXA or HSBC. AXA and HSBC shall make no representation, warranty or undertaking as to the availability of the third party service provider's services and shall not be liable to the policyholder or the insured person in any respect of any loss, damage, expense, suit, action or proceeding suffered or incurred by the insured person, whether directly or indirectly, arising from or in connection with the services provided or advice given by the third party service provider or its agents, or the availability of such services. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice.

  • Major exclusions Select to Expand Select to Collapse

    Unfortunately we can’t cover you for:

    • Congenital abnormalities
    • Pre-existing medical conditions
    • Mental or behavioural disorders
    • Drug addiction, alcoholism or illegal activity
    • Self-inflicted injuries or attempted suicide
    • Cosmetic or plastic surgery
    • Sexually transmitted infections (STIs), including HIV-related illnesses, if they occur within the first 5 years of cover
    • Pregnancy (unless you have opted for our maternity cover)
    • Surgical expenses that are recoverable from a third party
    • High risk occupations or activities (e.g. 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)

    Please refer to the policy document for the exclusion items and detailed terms and condition.

    View policy document

  • Additional benefits Select to Expand Select to Collapse

    More help when you need it

    When life surprises you, additional benefits included in this policy can offer you more support.

    Direct billing for hospitalisationfootnote2,footnote3

    Most inpatient treatments are planned. To make your hospital stay hassle-free, you are only required to submit a Pre-authorisation (PA) Form to AXA, so that once it has been approved, you can obtain the Pre-authorisation Confirmation Letter for your treatment up to the pre-authorised limits and a letter of guarantee with the pre-authorised limits will be sent to your designated hospital directly prior to your admission. Upon presentation of your FirstCare card, no advance payment will be required by private hospitals in Hong Kong up to the pre-authorised limits. Payment of charges for any items not listed in the Policy Schedule or excluded under this policy (e.g. shampoo, newspaper, meal for guest, and treatment for exclusion conditions) will have to be borne by you. In case of any shortfall (the amount we paid to the hospital for the items which are not covered by the plan or exceed the plan limit), we will charge the excess directly against your credit card as designated by you for this purpose.

    Direct billing service for hospitalisation and outpatient surgeries are not applicable to Company Top-up plan and the approval of direct billing and the issuance of the letter of guarantee for direct billing are subject to the final decision of AXA.

    Emergency and medical helplinefootnote2,footnote4

    Call from anywhere in the world to get immediate medical, travel or legal referral services. You can also obtain appropriate assistance for admission deposit guarantee if you are hospitalised overseas.

    Guaranteed lifetime renewalfootnote5

    Once you are insured, we promise to renew your policy for as long as you need it.

    China hospital deposit guarantee servicefootnote2,footnote4,footnote6

    You won’t have to pay in advance for immediate hospital treatment in over 240 designated mainland China hospitals in case of bodily injury or unforeseen illness, just simply present your relevant identification document and FirstCare card with its Medpass logofootnote1.

    Family Care Services (applicable to Essential and Privilege plans)footnote7

    In case of hospitalisation due to accidental bodily injury, you will be entitled to a series of caring services including home care service delivered by a domestic home helper, baby-sitting or child care service for your child(ren), pet care and accommodation and meal delivery assistance, giving you a helping hand to minimise the negative impact in your daily life that may be caused by the accident.

    Remote Second Opinion services (applicable to Essential and Privilege plans)footnote8

    After receiving the initial diagnosis for a medical condition from your registered medical practitioner, we will help you to obtain a second medical opinion from the medical specialist of your chosen designated network hospital. The medical specialist will then prepare a written medical report which will be explained to you by a registered medical practitioner in Hong Kong.

    Free annual health checkfootnote4

    Each insured person can choose one from a range of checks and tests once a year at no cost. These include tests for basic wellness, bone density (spine and hip), eyesight as well as influenza vaccination and pap smear test (for female). If you’re 50 or above you also qualify for a free critical illness check-up once every 3 years.

    For more details, refer to our insurance policy.

  • Policy documents Select to Expand Select to Collapse

    All the information you need in one place


    FirstCare Medical Insurance full policy booklet

    See the full terms and conditions of your FirstCare Medical Insurance policy.

    View policy document

  • Eligibility Select to Expand Select to Collapse

    Adults can enrol from the age of 18 and up to 74footnote9, and we accept family enrolments, including spouse or unmarried children aged 15 days but under 18 years old who are financially solely dependent upon the insured person or the policyholder, or full-time students aged 23 or below, which are entitled to 10% family discount. If your partnerfootnote10 or parents are insured under a separate FirstCare policy, they can also enjoy a 10% family discount.

    For more details, refer to our insurance policy.

Manage your policy online

At HSBC, we know that priorities change. That’s why we give you the power to make changes to your helper insurance policy online anytime.

It's easy to:

  • check or review your policy details
  • change your payment instructions, including your premium payment account, payment method or payment frequency
  • review your claims history

You can also call our Insurance Service Hotline at (852) 2867 8678 (852) 2867 8678.

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) 2288 6808 (852) 2288 6808 should you require any help.

Preferred Care Medical Insurance

Get the very best treatment from top US hospitals for critical illnesses with Preferred Care medical insurance.

Hospital Cash Insurance

Receive daily cash payments to support you if you need to stay in hospital, so that you can stay focused on your recovery.

Cancer Care Insurance

Supplement your medical cover to become protected in the unfortunate case of cancer, and receive a lump sum that can be used for any purpose.

Plans are guaranteed lifetime renewable, except where there has been, overdue payments or shortfall arising from a claim or fraudulent claims. However, the premium rates and age range of each group are not guaranteed. The premium payable upon renewal and the terms of the renewed policy may not be the same as the existing policy and will be determined by AXA. Please refer to the respective premium table for details of the premium rates for different plans and options, which may be changed from time to time by AXA without prior notification. 

Simply enrol your immediate family members (i.e. spouse or children) by filling in their details on the amendment form. Then select different plan and optional benefits for your family members under the same policy to meet their individual medical needs. If any of the Optional Supplementary Major Medical Benefits is / are selected, the plan selected must be the same as the core Hospital and Surgical Benefits.

Overseas treatment is covered under Hospital and Surgical Benefits, except in the case of the Optional Supplementary Major Medical Benefits where it will cover only accident or emergency situations. The cover is intended for occasional visits overseas, and different countries have different treatment costs. If you emigrate to another country you may need to see if the coverage is adequate for you, and this is likely to depend upon the country you have chosen.

If you receive treatment out of Hong Kong, then you will have to settle the bill first and claim reimbursement from us. For detailed procedures, please refer to the policyholder user guide which will be provided to you together with the policy contract after your policy takes effect.

The policy does not cover medical expenses arising from hospitalisation primarily for investigation or physiotherapy. For it to be a legitimate claim, you must receive therapeutic treatment during the hospitalisation in addition to the investigation.

A renewal notice will be sent to you around one and a half month before the current policy term expires. If you decide not to renew the policy, you will need to inform us in writing one month before policy expires, or the policy will be renewed automatically.

End Notes Select to Expand Select to Collapse

1 For PRC passport holders, all benefits and value-added services are applicable only in Hong Kong SAR. PRC passport holders are required to sign the application in Hong Kong with a copy of entry proof endorsed by the insurance consultant.
2 Please refer to the policyholder user guide for the detailed procedure, which will be provided to you together with the policy contract after your policy takes effect.
3 Direct billing service for hospitalisation and outpatient surgeries are not applicable to Company Top-up plan and the approval of direct billing and the issuance of the letter of guarantee for direct billing are subject to the final decision of AXA.
4 These services are provided by a third party service provider ("the Assistance Company") which is an independent contractor and is not an agent of AXA or HSBC. AXA and HSBC shall make no representation, warranty or undertaking as to the availability of the Assistance Company's services and shall not be liable to the policyholder or the insured person in any respect of any loss, damage, expense, suit, action or proceeding suffered or incurred by the insured person, whether directly or indirectly, arising from or in connection with the services provided or advice given by the Assistance Company or its agents, or the availability of such services. The services are only available outside home country and usual country of residence.
5 The premium rates and age range of each group are not guaranteed. The premium payable upon each renewal and the terms of the renewed policy are determined by AXA at its discretion and may not be the same as the existing policy. Optional Maternity Benefits can be renewed up to age 49 only. Company Top-up plan will be renewed up to the insured person attained the age of 69 and switched to Basic plan automatically at the renewal date when the insured person attains the age of 70. Please refer to the premium table for details of the premium rates for different plans and options, which may be changed from time to time by AXA without prior notification.
6 This service is not available to PRC passport holders.
7 These services are applicable to the insured person aged 18 or above and will be provided in Hong Kong only. The provision of such services is subject to the terms and conditions of the Family Care Services Program which will be provided upon policy issuance. Such program is offered by AXA and administered by a third party service provider. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice.
8 The remote second opinion service is provided by a medical service provider which is an independent contractor and is not an agent of AXA or HSBC. AXA or HSBC shall not be held responsible for any medical opinions given by the medical service provider and hospitals.
9 Up to age 64 if Company Top-up plan or Optional Outpatient Benefits is selected. The maximum issue age of Optional Maternity Benefits is 49.
10 Partner means someone with whom the insured person lives in a relationship equivalent to marriage, whether of the same or opposite gender.
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 Commissioner of Insurance 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 Companies 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.