Group Medical Insurance Plans

The Plan is designed to cater to the needs of businesses with different staff sizes, offering companies with 2 or more employees the flexibility to mix-and-match benefits* to suit their needs.

The Plan offers a total of 6 levels of basic hospitalisation benefits, giving you more options to customise coverage according to different employee grades and seniorities.

* The benefits provided are strictly subject to the agreement between HSBC Life and the designated service provider.

In addition to basic hospitalisation benefits, the Plan offers 6 types of optional benefits with different levels of coverage. This provides you with the flexibility to put together an optimal combination of different medical protections within your budgets, ensuring that your employees are well-protected under different circumstances

• Outpatient benefits
• Additional kidney and cancer benefits
• Supplementary major medical benefits
• Dental benefits
• Maternity benefits
• Personal accident benefits

Enrolment for the Plan is simple, with minimal administrative work required. Individual health declarations for new employees are waived if your policy covers 6 employees or more.

Premiums are calculated at a flat rate based on the specific plans your employees and their dependants are enrolled in, regardless of age and gender, making it much easier for you to budget for future employee benefits.

With additional underwriting, coverage of injuries and/or illnesses by an existing group medical policy from another service provider may be transferred to the Plan, with the intention to provide protection for your employees.

In the event of an injury or unforeseen illness, the insured person can be admitted to a designated hospital in mainland China without paying an admission deposit in advance.

Through our network of over 2,000 panel doctors in Hong Kong, the insured person is connected to a vast pool of medical experts, including general practitioners, specialists, physiotherapists and registered Chinese medicine practitioners. 

The Plan includes cashless arrangement for eligible treatments within our extensive network of doctors and medical facilities. With this convenient feature, the insured person can receive quality medical services without the hassle of making an upfront payment at the time of the consultation, except for expenses in excess of the entitled benefits or where co-payment is required.

• Basic coverage: Hospitalisation benefits
• Worldwide Emergency Assistance Service^*
• Optional supplementary benefits:
  • Outpatient benefits
  • Additional kidney and cancer benefits
  • Supplementary major medical benefits
  • Dental benefits
  • Maternity benefits
  • Personal accident benefits

The information shown above is intended as a general summary. Please see product summary, important notes and key risks in the product brochure. For product details, terms, conditions and exclusions, please refer to the relevant policy contracts, product brochures and proposals.

* These services are provided by the packaged plan of HSBC Life Benefits+ Medical Insurance Plan through a third-party service provider which is an independent contractor and is not an agent of HSBC Life or Hang Seng Bank. HSBC Life and Hang Seng Bank shall make no representation, warranty or undertaking as to the availability of the services and shall not be liable to the insured 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. HSBC Life reserves the right to amend the terms and conditions thereof from time to time without prior notice.