HSBC | FirstCare Plus Top Plan
Overview
10Life Ratings
8.7 / 10
10Life Ratings
8.7 / 10
Avg. Premium
$24,436 (male age 35-44)
Avg. Premium
$24,436 (male age 35-44)
Deductible
$0 Deductible
Deductible
$0 Deductible
Base Plan Limit
$5,000,000 per policy year
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
Lifetime Limit
Unlimited
Geographical Coverage
Global-ex-US
Geographical Coverage
Global-ex-US
Include SMM
Include SMM
SMM co-pay
n/a
SMM co-pay
n/a
SMM general limits
n/a
SMM general limits
n/a
Estimated Coverage of selected Diseases
Coverage Score
9.9 / 10
Coverage Score
9.9 / 10
Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
98.7 %
Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
98.7 %
Minor cases - Fever requiring hospitalisation
100.0 %
Minor cases - Fever requiring hospitalisation
100.0 %
  • Estimated Total Bill
  • $53,700
    Estimated Total Bill
    $53,700
  • Estimated Coverage
  • $53,700
    Estimated Coverage
    $53,700
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Minor cases - Hemorrhoid Surgery
    100.0 %
    Minor cases - Hemorrhoid Surgery
    100.0 %
  • Estimated Total Bill
  • $113,000
    Estimated Total Bill
    $113,000
  • Estimated Coverage
  • $113,000
    Estimated Coverage
    $113,000
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Minor Cases - Colonoscopy (Day Case)
    100.0 %
    Minor Cases - Colonoscopy (Day Case)
    100.0 %
  • Estimated Total Bill
  • $42,850
    Estimated Total Bill
    $42,850
  • Estimated Coverage
  • $42,850
    Estimated Coverage
    $42,850
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Cancer - Breast cancer requiring surgery only
    99.6 %
    Cancer - Breast cancer requiring surgery only
    99.6 %
  • Estimated Total Bill
  • $425,940
    Estimated Total Bill
    $425,940
  • Estimated Coverage
  • $424,340
    Estimated Coverage
    $424,340
  • Estimated Out of Pocket
  • $1,600
    Estimated Out of Pocket
    $1,600
    Cancer - Lung cancer requiring surgery only
    99.8 %
    Cancer - Lung cancer requiring surgery only
    99.8 %
  • Estimated Total Bill
  • $691,695
    Estimated Total Bill
    $691,695
  • Estimated Coverage
  • $690,095
    Estimated Coverage
    $690,095
  • Estimated Out of Pocket
  • $1,600
    Estimated Out of Pocket
    $1,600
    Complex Cancer - Colon Cancer with Surgery and Chemotherapy
    99.7 %
    Complex Cancer - Colon Cancer with Surgery and Chemotherapy
    99.7 %
  • Estimated Total Bill
  • $697,860
    Estimated Total Bill
    $697,860
  • Estimated Coverage
  • $695,460
    Estimated Coverage
    $695,460
  • Estimated Out of Pocket
  • $2,400
    Estimated Out of Pocket
    $2,400
    Complex Cancer - Liver Cancer with Surgery and Targeted Therapy
    99.7 %
    Complex Cancer - Liver Cancer with Surgery and Targeted Therapy
    99.7 %
  • Estimated Total Bill
  • $830,150
    Estimated Total Bill
    $830,150
  • Estimated Coverage
  • $827,750
    Estimated Coverage
    $827,750
  • Estimated Out of Pocket
  • $2,400
    Estimated Out of Pocket
    $2,400
    Vascular Diseases - Angioplasty and Stent Placement
    99.9 %
    Vascular Diseases - Angioplasty and Stent Placement
    99.9 %
  • Estimated Total Bill
  • $541,133
    Estimated Total Bill
    $541,133
  • Estimated Coverage
  • $540,333
    Estimated Coverage
    $540,333
  • Estimated Out of Pocket
  • $800
    Estimated Out of Pocket
    $800
    Vascular Diseases - Stroke
    86.2 %
    Vascular Diseases - Stroke
    86.2 %
  • Estimated Total Bill
  • $174,100
    Estimated Total Bill
    $174,100
  • Estimated Coverage
  • $150,100
    Estimated Coverage
    $150,100
  • Estimated Out of Pocket
  • $24,000
    Estimated Out of Pocket
    $24,000
    Vascular Diseases - Requiring outpatient hemodialysis
    99.5 %
    Vascular Diseases - Requiring outpatient hemodialysis
    99.5 %
  • Estimated Total Bill
  • $316,000
    Estimated Total Bill
    $316,000
  • Estimated Coverage
  • $314,400
    Estimated Coverage
    $314,400
  • Estimated Out of Pocket
  • $1,600
    Estimated Out of Pocket
    $1,600
    Injury - Anterior cruciate ligament surgery
    100.0 %
    Injury - Anterior cruciate ligament surgery
    100.0 %
  • Estimated Total Bill
  • $259,750
    Estimated Total Bill
    $259,750
  • Estimated Coverage
  • $259,750
    Estimated Coverage
    $259,750
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Injury - Total knee replacement
    100.0 %
    Injury - Total knee replacement
    100.0 %
  • Estimated Total Bill
  • $486,900
    Estimated Total Bill
    $486,900
  • Estimated Coverage
  • $486,900
    Estimated Coverage
    $486,900
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Benefit Limits (Base Plan)
    Coverage Limit
    $5,000,000 per policy year
    Coverage Limit
    $5,000,000 per policy year
    Life Time Limit
    Unlimited
    Life Time Limit
    Unlimited
    Room and board
  • Per day
  • covered under annual limit
    Per day
    covered under annual limit
  • Maximum numbers of days
  • covered under annual limit
    Maximum numbers of days
    covered under annual limit
    Miscellaneous charges
  • Miscellaneous charges limits
  • covered under annual limit
    Miscellaneous charges limits
    covered under annual limit
    Attending doctor's visit fee
  • Per day
  • covered under annual limit
    Per day
    covered under annual limit
  • Maximum numbers of days
  • covered under annual limit
    Maximum numbers of days
    covered under annual limit
    Specialist's fee
  • Limit
  • covered under annual limit
    Limit
    covered under annual limit
    Intensive Care
  • Per day
  • Unlimited
    Per day
    Unlimited
  • Maximum numbers of days
  • Unlimited
    Maximum numbers of days
    Unlimited
  • Limit
  • Subject to per day and maximum number of days limits
    Limit
    Subject to per day and maximum number of days limits
    Surgeon's fee
  • Surgeon Fees - Maximum Limit Per Surgery
  • Fully Covered
    Surgeon Fees - Maximum Limit Per Surgery
    Fully Covered
  • Hemorrhoid Surgery
  • Fully Covered
    Hemorrhoid Surgery
    Fully Covered
  • Colonoscopy with polypectomy
  • Fully Covered
    Colonoscopy with polypectomy
    Fully Covered
  • Right radical mastectomy
  • Fully Covered
    Right radical mastectomy
    Fully Covered
  • Right lobectomy of lung
  • Fully Covered
    Right lobectomy of lung
    Fully Covered
  • Colonoscopy & Hemi-Colectomy
  • Fully Covered
    Colonoscopy & Hemi-Colectomy
    Fully Covered
  • Segmentectomy of liver
  • Fully Covered
    Segmentectomy of liver
    Fully Covered
  • Angioplasty with stent
  • Fully Covered
    Angioplasty with stent
    Fully Covered
  • Arthroscopic Anterior Cruciate Ligament
  • Fully Covered
    Arthroscopic Anterior Cruciate Ligament
    Fully Covered
  • Total knee replacement
  • Fully Covered
    Total knee replacement
    Fully Covered
  • Multiple Surgery - 2nd surgery payment %
  • 100%
    Multiple Surgery - 2nd surgery payment %
    100%
    Anaesthetist's fee
  • Limit
  • covered under annual limit
    Limit
    covered under annual limit
    Operating theatre charges
  • Limit
  • covered under annual limit
    Limit
    covered under annual limit
    Prescribed Diagnostic Imaging Tests
  • Limit
  • Included under Miscellaneous Charges
    Limit
    Included under Miscellaneous Charges
    Prescribed Non-surgical Cancer Treatments
  • Limit
  • covered under annual limit
    Limit
    covered under annual limit
    Pre- and post-Confinement/Day Case Procedure outpatient care
  • Per day
  • Fully covered
    Per day
    Fully covered
  • Maximum numbers of days
  • maximum 1 pre-admission and 2 post-hospitalization clinic visits
    Maximum numbers of days
    maximum 1 pre-admission and 2 post-hospitalization clinic visits
  • Limit
  • Fully covered, subject to maximum number of days limits
    Limit
    Fully covered, subject to maximum number of days limits
    Psychiatric treatments
  • Limit
  • Excluded
    Limit
    Excluded
    Other coverage
  • Physiotherapy post-confinement
  • Up to $10,000
    Physiotherapy post-confinement
    Up to $10,000
  • Home nursing
  • Not applicable
    Home nursing
    Not applicable
  • Outpatient dialysis
  • $5,000,000
    Outpatient dialysis
    $5,000,000
    Supplementary Major Medical Benefits
    Co-payment
    n/a
    Co-payment
    n/a
    General Limit
    n/a
    General Limit
    n/a
    Lifetime Limit
    n/a
    Lifetime Limit
    n/a
    Room and board
    n/a
    Room and board
    n/a
    Miscellaneous charges
    n/a
    Miscellaneous charges
    n/a
    Attending doctor's visit fee
    n/a
    Attending doctor's visit fee
    n/a
    Specialist's fee
    n/a
    Specialist's fee
    n/a
    Intensive Care
    n/a
    Intensive Care
    n/a
    Surgeon's fees
    n/a
    Surgeon's fees
    n/a
    Anaesthetist's fee
    n/a
    Anaesthetist's fee
    n/a
    Operating Theatre Charges
    n/a
    Operating Theatre Charges
    n/a
    Prescribed Diagnostic Imaging Tests
    n/a
    Prescribed Diagnostic Imaging Tests
    n/a
    Prescribed Non-surgical Cancer Treatments
    n/a
    Prescribed Non-surgical Cancer Treatments
    n/a
    Auxiliary Benefits
    Auxiliary Benefit Score
    4.0 / 10
    Auxiliary Benefit Score
    4.0 / 10
    High Annual Limit
    Annual limit of at least $20,000,000 (HKD)
    High Annual Limit
    Annual limit of at least $20,000,000 (HKD)
    No Lifetime Limit
    No Lifetime Limit
    Hospital Cash Benefits
    For staying in a standard private room in a private hospital
    Hospital Cash Benefits
    For staying in a standard private room in a private hospital
    Long Term Post Confinement Doctor Visits
    Long Term Post Confinement Doctor Visits
    Second Medical Opinion Service
    Second Medical Opinion Service
    International Assistance Service
    International Assistance Service
    VHIS Certification
    Government certified, enjoy tax benefits and other features
    VHIS Certification
    Government certified, enjoy tax benefits and other features
    Special Cancer Treatment Coverage
  • Immunotherapy
  • Immunotherapy
  • Hormonal Therapy
  • Hormonal Therapy
  • Proton Therapy
  • Proton Therapy
  • Gamma Knife and Cyberknife
  • Gamma Knife and Cyberknife
    Average Annual Premium
    Age 0 to 12
    $13,483
    Age 0 to 12
    $13,483
  • Age 0
  • $13,800
    Age 0
    $13,800
  • Age 1
  • $13,800
    Age 1
    $13,800
  • Age 2
  • $13,800
    Age 2
    $13,800
  • Age 3
  • $13,800
    Age 3
    $13,800
  • Age 4
  • $13,800
    Age 4
    $13,800
  • Age 5
  • $13,668
    Age 5
    $13,668
  • Age 6
  • $13,560
    Age 6
    $13,560
  • Age 7
  • $13,452
    Age 7
    $13,452
  • Age 8
  • $13,332
    Age 8
    $13,332
  • Age 9
  • $13,224
    Age 9
    $13,224
  • Age 10
  • $13,116
    Age 10
    $13,116
  • Age 11
  • $13,020
    Age 11
    $13,020
  • Age 12
  • $12,912
    Age 12
    $12,912
    Age 13 to 18
    $12,856
    Age 13 to 18
    $12,856
  • Age 13
  • $12,804
    Age 13
    $12,804
  • Age 14
  • $12,708
    Age 14
    $12,708
  • Age 15
  • $12,696
    Age 15
    $12,696
  • Age 16
  • $12,768
    Age 16
    $12,768
  • Age 17
  • $12,948
    Age 17
    $12,948
  • Age 18
  • $13,212
    Age 18
    $13,212
    Age 19 to 24
    $14,654
    Age 19 to 24
    $14,654
  • Age 19
  • $13,608
    Age 19
    $13,608
  • Age 20
  • $13,968
    Age 20
    $13,968
  • Age 21
  • $14,436
    Age 21
    $14,436
  • Age 22
  • $14,868
    Age 22
    $14,868
  • Age 23
  • $15,300
    Age 23
    $15,300
  • Age 24
  • $15,744
    Age 24
    $15,744
    Age 25 to 34
    $18,560
    Age 25 to 34
    $18,560
  • Age 25
  • $16,212
    Age 25
    $16,212
  • Age 26
  • $16,704
    Age 26
    $16,704
  • Age 27
  • $17,208
    Age 27
    $17,208
  • Age 28
  • $17,712
    Age 28
    $17,712
  • Age 29
  • $18,252
    Age 29
    $18,252
  • Age 30
  • $18,804
    Age 30
    $18,804
  • Age 31
  • $19,332
    Age 31
    $19,332
  • Age 32
  • $19,896
    Age 32
    $19,896
  • Age 33
  • $20,448
    Age 33
    $20,448
  • Age 34
  • $21,036
    Age 34
    $21,036
    Age 35 to 44
    $24,436
    Age 35 to 44
    $24,436
  • Age 35
  • $21,624
    Age 35
    $21,624
  • Age 36
  • $22,152
    Age 36
    $22,152
  • Age 37
  • $22,692
    Age 37
    $22,692
  • Age 38
  • $23,244
    Age 38
    $23,244
  • Age 39
  • $23,820
    Age 39
    $23,820
  • Age 40
  • $24,396
    Age 40
    $24,396
  • Age 41
  • $25,248
    Age 41
    $25,248
  • Age 42
  • $26,136
    Age 42
    $26,136
  • Age 43
  • $27,048
    Age 43
    $27,048
  • Age 44
  • $27,996
    Age 44
    $27,996
    Age 45 to 54
    $35,801
    Age 45 to 54
    $35,801
  • Age 45
  • $28,980
    Age 45
    $28,980
  • Age 46
  • $30,276
    Age 46
    $30,276
  • Age 47
  • $31,608
    Age 47
    $31,608
  • Age 48
  • $33,024
    Age 48
    $33,024
  • Age 49
  • $34,488
    Age 49
    $34,488
  • Age 50
  • $36,024
    Age 50
    $36,024
  • Age 51
  • $37,872
    Age 51
    $37,872
  • Age 52
  • $39,816
    Age 52
    $39,816
  • Age 53
  • $41,880
    Age 53
    $41,880
  • Age 54
  • $44,040
    Age 54
    $44,040
    Age 55 to 64
    $58,973
    Age 55 to 64
    $58,973
  • Age 55
  • $46,296
    Age 55
    $46,296
  • Age 56
  • $48,684
    Age 56
    $48,684
  • Age 57
  • $51,180
    Age 57
    $51,180
  • Age 58
  • $53,808
    Age 58
    $53,808
  • Age 59
  • $56,592
    Age 59
    $56,592
  • Age 60
  • $59,496
    Age 60
    $59,496
  • Age 61
  • $62,556
    Age 61
    $62,556
  • Age 62
  • $66,360
    Age 62
    $66,360
  • Age 63
  • $70,320
    Age 63
    $70,320
  • Age 64
  • $74,436
    Age 64
    $74,436
    Age 65 to 74
    $99,960
    Age 65 to 74
    $99,960
  • Age 65
  • $77,964
    Age 65
    $77,964
  • Age 66
  • $82,320
    Age 66
    $82,320
  • Age 67
  • $87,024
    Age 67
    $87,024
  • Age 68
  • $91,764
    Age 68
    $91,764
  • Age 69
  • $96,516
    Age 69
    $96,516
  • Age 70
  • $100,872
    Age 70
    $100,872
  • Age 71
  • $106,296
    Age 71
    $106,296
  • Age 72
  • $112,260
    Age 72
    $112,260
  • Age 73
  • $118,836
    Age 73
    $118,836
  • Age 74
  • $125,748
    Age 74
    $125,748
    Age 75 to 84
    $154,920
    Age 75 to 84
    $154,920
  • Age 75
  • $129,888
    Age 75
    $129,888
  • Age 76
  • $136,272
    Age 76
    $136,272
  • Age 77
  • $142,476
    Age 77
    $142,476
  • Age 78
  • $148,488
    Age 78
    $148,488
  • Age 79
  • $154,476
    Age 79
    $154,476
  • Age 80
  • $159,492
    Age 80
    $159,492
  • Age 81
  • $163,848*
    Age 81
    $163,848*
  • Age 82
  • $167,760*
    Age 82
    $167,760*
  • Age 83
  • $171,480*
    Age 83
    $171,480*
  • Age 84
  • $175,020*
    Age 84
    $175,020*
    Age 85 to 94
    $194,597
    Age 85 to 94
    $194,597
  • Age 85
  • $178,260*
    Age 85
    $178,260*
  • Age 86
  • $181,836*
    Age 86
    $181,836*
  • Age 87
  • $185,460*
    Age 87
    $185,460*
  • Age 88
  • $189,084*
    Age 88
    $189,084*
  • Age 89
  • $192,792*
    Age 89
    $192,792*
  • Age 90
  • $196,788*
    Age 90
    $196,788*
  • Age 91
  • $200,208*
    Age 91
    $200,208*
  • Age 92
  • $203,760*
    Age 92
    $203,760*
  • Age 93
  • $207,108*
    Age 93
    $207,108*
  • Age 94
  • $210,672*
    Age 94
    $210,672*
    Age 95 to 100
    $223,658
    Age 95 to 100
    $223,658
  • Age 95
  • $214,608*
    Age 95
    $214,608*
  • Age 96
  • $219,036*
    Age 96
    $219,036*
  • Age 97
  • $223,572*
    Age 97
    $223,572*
  • Age 98
  • $228,192*
    Age 98
    $228,192*
  • Age 99
  • $232,884*
    Age 99
    $232,884*
  • Age 100
  • -
    Age 100
    -
    *For renewal only
    Remarks:

    1. The above premium excludes insurance levy collected by the Insurance Authority.
    2. The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.
    3. 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.

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