Last Updated on June 13, 2023 by Tree of Wealth

According to recent studies, 74% of men lack confidence in their current insurance coverage’s ability to sufficiently cover them in the event of a critical illness. As a man, fulfilling your various roles as a son, father, or brother while taking care of yourself is essential. Safeguarding yourself and your loved ones from unexpected critical illnesses that can affect both your physical and mental well-being is crucial.

For females, 77% of women are not confident that their current insurance coverage will be sufficient in the event of a critical illness diagnosis. It is important to take care of yourself as well as looking out for your loved ones as you play many roles, such as a daughter, a mother, or a sister. That’s why it’s crucial to protect yourself and your loved ones from unexpected critical illnesses that can impact your physical and mental health.

HSBC Life CritiCare for Him and Her provides essential critical illness coverage that caters to your specific needs and is one of the most affordable plans in the market.

Product Features and Benefits at a Glance

Basic Benefit For Both Him & Her

Insured Events	Benefit Limit
1. Male/Female Illness Benefit	A percentage of the Sum Assured is payable, depending on diagnosed condition. Multiple claims up to 100% Sum Assured.
1a. Reset Feature	If Your cumulative claims under the Male/Female Illness is less than 100% of Sum Assured, AXA will activate the Reset Feature after a waiting period of 12 months starting from the date of diagnosis of the latest claim. After Reset Feature is activated, the total maximum payout under Male/Female Illness. Benefit is capped at 150% Sum Assured (inclusive of previous any claims). Reset Feature can only be activated once during the policy term.
1b. Waiver of Premium	Waive premiums for 36 months upon claim of at least 50% Sum Assured under Male/Female Illness Benefit, starting from the next premium paid-to-date following the date of diagnosis of the medical condition of the latest claim. Claimable twice.
2. Surgery Benefit	A percentage of the Sum Assured is payable, depending on surgical procedure. Multiple claims up to 100% Sum Assured.
3. Reconstructive Surgery or Skin Grafting Benefit	Payout 100% of Sum Assured. 1 time claim only.
4. Support Benefit	A percentage of the fixed Sum Assured of $25,000 is payable, depending on support benefit. Multiple claims up to $25,000.
5. Death Benefit	$10,000
6. Biennial Health Screening	Once every 2 policy years, starting from the 25th month
7. Free Child Cover	$5,000
8. Hassle-free application	6 Questions To Apply – Subjected to Medical Underwriting
9. Flexible Policy term and Sum Assured	• Choose to cover yourself for 10 years, 20 years or to age 65 • Choose your Sum Assured ranging from S$25,000 to S$150,000

1. Male Illness Core Benefits Table

No.	Conditions	Benefit (% of Sum Assured)
1.	Malignant cancer of the: Prostate Testicle Scrotum	100%
2.	Muscular dystrophy	100%
3.	Cardiomyopathy	100%
4.	Carcinoma in situ of the: Colon Testicle Penis	50%

2. Surgery Benefit Table For Male

• Heart valve surgery • Surgery of the aorta • Heart transplant • Coronary artery bypass surgery	100% of sum assured
• Coronary artery atherectomy or transmyocardial laser revascularisation or enhanced external counterpulsation device insertion • Cardiac pacemaker insertion or cardiac defibrillator insertion	50% of sum assured
• Surgical septal myomectomy to relieve left ventricular outflow tract (LVOT) obstruction in hypertrophic obstructive cardiomyopathy • Renal angioplasty • Percutaneous valve surgery • Pericardectomy • Angioplasty and other invasive treatment for coronary artery • Carotid artery surgery • Testicular torsion requiring surgery; acquired peyronie’s disease requiring surgery; orchiechtomy for causes other than cancer • Severe gout	25% of sum assured

3. Reconstructive Surgery or Skin Grafting Benefit For Male

• Facial recontructive surgery due to an accident • Skin grafting due to major burns • Skin grafting due to skin cancer • Open surgery for removal of kidney stones

100% of sum assured

4. Support Benefit

• Severe benign prostatic hyperplasia and early prostate cancer requiring suprapubic catheterisation	S$25,000
• Outpatient cardiac rehabilitation following specific major heart surgeries	S$2,500
• Outpatient psychiatric benefit	S$100 per visit (up to 10 visits)
Death Benefit	S$10,000

1. Female Illness Core Benefits Table

No.	Conditions	Benefit (% of Sum Assured)
1.	Systemic lupus erythematosus (SLE) with lupus nephritis	100%
2.	Rheumatoid arthritis	100%
3.	Chronic auto-immune hepatitis	100%
4.	Malignant cancer of breast, cervix uteri, uterus, fallopian tube, ovary or vagina/vulva	100%
5.	Osteoporosis requiring surgery or repair	50%
6.	Carcinoma in situ of breast	50%
7.	Carcinoma in situ of cervix uteri	50%
8.	Urinary incontinence requiring surgical repair	10%
9.	Uterine prolapse	10%
10.	Pelvic relaxation requiring surgical repair	10%
11.	Thyroid disorders causing thyroid storm	10%
12.	Polycystic ovarian syndrome	10%

2. Surgery Benefit Table For Female

• Radical vulvectomy required due to a malignant condition • Wertheim’s operation required due to a malignant condition • Total pelvic exenteration required due to a malignant condition	50% of sum assured
• Hysterectomy required due to a malignant condition • Mastectomy required due to a malignant condition • Complicated repair of a vaginal fistula	30% of sum assured
• Bilateral breast lumpectomy due to a malignant condition or carcinoma in situ	20% of sum assured
• Unilateral breast lumpectomy due to a malignant condition or carcinoma in situ	15% of sum assured

3. Reconstructive Surgery or Skin Grafting Benefit For Female

• Facial reconstructive surgery due to an accident • Breast reconstructive surgery following a mastectomy • Skin grafting due to major burns • Skin grafting due to skin cancer

100% of sum assured

4. Support Benefit

• Oocyte cryopreservation due to covered female cancer	S$25,000
• Breast cancer – molecular gene expression profiling test for treatment guidance	S$10,000
• Hormone replacement therapy	S$5,000
• Outpatient psychiatric benefit	S$100 per visit (up to 10 visits)
Death Benefit	S$10,000

What We Like About The Plan

Competitive and Flexible Premiums

Premiums are made affordable from a low  S$0.66/day for a Sum Assured of S$25,000

• Minimum: S$25,000
• Maximum: S$150,000

Up to 3.5 times Sum Assured

Up to 300% sum assured and claim multiple times from the 4 Core Benefit (Gender Illness Benefit, Surgery Benefit, Reconstructive Surgery or Skin Grafting Benefit and Support Benefit)

Claim Multiple Times

Up to a total of 300% Sum Assured from the 4 Core Benefits 2, plus a fixed coverage of S$25,000 under Support Benefit.

Reset Feature

If total payout is less than 100% of Sum Assured under the gender (Male/Female) Illness Benefit, the Reset Feature will kick in with a waiting period of 12 months from date of diagnosis of latest claim.

150% less of previous claims will be paid out in the event of another condition under the Male/Female Gender Illness Benefit. The total sum assured is capped at 150% and this feature will be terminated once maximum of 150% has been paid out.

• Free Biennial Health Check-Ups
• Worth up to $400
• Available once every 2 years
• Available from 2^nd policy year onwards (25^th policy month)
• Free Child Coverage – Policy extends coverage to provide $5, 000 when child diagnosed with critical illness. Claimable only once.

Waiver of Premiums

• Premiums will be waived for 3 years (36 months) upon cumulative claim(s) of 50% of the sum assured made under the Male/Female Illness Benefit
• Claimable Twice!

Hassle-free application

Answer 4 questions to apply

What We Don’t Like About The Plan

• Early Stage is only 50%
• Policy Coverage Terms Only 10, 20 years or to age 65
• Maximum Coverage Age Up to 65 years old

How HSBC Life CritiCare For Him Works

How HSBC Life CritiCare For Her Works

Who Is More Suited To This Gender Specific Plan?

• Gender Specific for comprehensive cover for Critical Illness, as well as surgical and reconstructive and support benefits.
• Standalone Critical Illness plans that cover for a specific period of time, increasing the coverage protecting your prime working age when you need it the most

It would however be less suitable if:

• You are looking for a high death protection cover
• You are looking for limited pay premium term and coverage for life
• ALL Critical Illness Coverage

Conclusion For HSBC Life CritiCare For Him & For Her Review

This is a unique plan because it targets a different kind of group here. As again, the suitability of this plan for you will largely depend on your needs and expectations. Also check our Best Early Stage Critical Illness (CI) Plan comparison.

To find out more on this and/or how you can apply, simply fill in the form below and our friendly licensed FA advisor will get in touch with you. If you want to find out more on other critical illness plans solely based on your needs, a custom made solution will be adjusted only addressing your concerns.

No obligations, no hidden fees. All advice are of no charges.