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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

How to apply

At an HSBC branch

Find your nearest branch


By phone

Call 2233 3131 2233 3131


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

Make a claim
  • Eligibility
  • Major exclusions
  • Policy documents

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 million for 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.

1Subject to 2 million limit and exclusion.

Manage your policy online

At HSBC, we understand life never stands still. Which is why you can make changes to your policy

It's easy to:

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

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.

First Care Medical Insurance

Focus on your own health and your family's wellbeing. Tailor your plan so that it perfectly suits you and your family's needs.

Hospital Cash Insurance

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.

HSBC Term Protector

You insure your most treasured possessions so why not insure yourself in order to protect your family’s future plans? HSBC Term Protector is a pure and simple life insurance product that is cost effective and can be applied online, in minutes, with no medical examination required.

HSBC Term Protector is a term life insurance plan with no savings element, which is underwritten by HSBC Life (International) Limited. It is not equivalent or similar to any kind of deposit.

Based on your condition, Preferred Global Health, Ltd. (PGH) will recommend an appropriate hospital from the higher ranking hospitals in the USA. PGH will consider all reasonable requests for treatment location that are medically sound and involving the higher ranking hospitals in the USA for the patient’s condition.

After two years of coverage and four years without treatment or evidence of the pre-existing condition you can re-apply for coverage, and whether such coverage can be granted is determined by us on a case-by-case basis. Unlike most health care programmes, pre-existing conditions are not automatically excluded forever. Other standard exclusions apply, such as claims arising from acts of war/terrorism, radiation, drug abuse, illegal activities, and HIV/AIDS. This programme is specifically designed to be free from restrictive policy language – nonetheless we encourage you to discuss the policy wording with your Wealth Management Manager/ Premier Relationship Manager.

Critical illnesses are life threatening conditions and require advanced medical technology and expertise to achieve the most effective treatment and rapid recovery. Hospitals in the USA are leaders in critical illness treatment. Some health care programmes may offer payment for treatment abroad and will claim to allow your choice of treatment destination. However, closer review of the coverage uncover this option is usually offered under special conditions (such as temporary trips overseas, emergencies, etc). Furthermore, you may be required to make the payment yourself, then be reimbursed, sometimes for less than the full cost you incurred. Travel and accommodation costs are usually not covered, even though these can be substantial. Lastly, many health care programmes do not provide you with personalized attention to find the best treatment or assist you during the treatment process. The Preferred Care programme was designed specially to bring you personalised service and advanced treatment at top-ranked hospitals in the USA. Payment is direct, causing you no financial disruption. Furthermore, Preferred Care pays for the necessary additional services for you and a companion. This includes airfare and a generous accommodation allowance. Most importantly, you and your family have the full 24-hour support of a team of trained professionals to support you every step of the way.

According to our past experience, medical expenses normally do not exceed the annual limit of US$2 million e.g. the most expensive treatments in the USA is heart/lung transplant that could cost up to US$1 million. US$2 million should be more than adequate.

Preferred Care only covers the treatment that is arranged by PGH and incurred in an US hospital. While it does not cover the follow-up treatment costs outside of the USA, customers are not abandoned after leaving the US hospital. A full plan and coordination is provided between the US and Hong Kong doctors for follow-up care. Treatment cost in the USA, which is covered by Preferred Care, usually represents the great majority of the overall cost. You can arrange local medical insurance to cover the remaining local medical care cost which should be smaller by comparison.

Critical illnesses are life threatening conditions and require advanced medical technology and expertise to achieve the most effective treatment and rapid recovery. Hospitals in the USA are leaders in critical illness treatment.

End Notes Select to Expand Select to Collapse

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.