HSBC Health Insurance
HSBC is an international financial institution, which offers numerous products including health insurance. HSBC began in 1865 in Hong Kong by Thomas Sutherland, a Scottish expat who was working for a shipping company. Realizing the need for strong banking, he opened HSBC.
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You can obtain a health insurance quote from HSBC by clicking on the tool button, which says, “Quote and Apply.” However, that button will simply take you to a page that explains the different health insurance plans that you can review and then apply for coverage. Simply choose who you wish to cover, desired cash benefit, and when you wish coverage to begin.
If you wish to speak to a representative, please call (852) 2233 3131.
HSBC Hospital Cash Insurance Plan
HSBC Hospital Cash Insurance, otherwise known as HospitalSurance, provides cash payments for surgical expenses and daily cash payment for hospital stays. If there are no claims for five years, the company will issue you a refund of 30% of your premium.
- Various plans are available which offer different levels of cash payouts.
- Premiums are calculated according to your age, but do not adjust as you renew your policy.
- The website lists the exclusions, which will make you ineligible for coverage.
HSBC Hospital Cash Insurance Discounts
HSBC offers discounts for Hospital Cash Insurance coverage for individuals who apply online and enroll their spouses and family members.
HSBC Health Insurance Plan
HSBC health insurance coverage is known as FirstCare Medical Insurance that covers hospital visits, surgery, well check-ups, and daily cash payments for hospital stays. There are four different types of plans, which include choices of having or not having co-payments, second opinions, coverage for additional medical benefits, and monetary reimbursement for these benefits.
Optional riders include outpatient benefits, dental coverage, maternity coverage, and the “China Hospital Admission Deposit Guarantee Service” which waives the hospital deposit that is due prior to hospitalization.
Policies are available to individuals between the ages of 18 and 74, children, and full time students up to age 22. There are factors that will automatically make you ineligible for coverage and can be viewed on the company’s website.
Preferred Care is a rider for FirstCare that allows policyholders to be covered in the United States. Under Preferred Care, insured’s are eligible for treatment at United States hospitals and provide funding for travel and lodging expenses. You will also have your own designated coordinator to assist you in the planning and implementation of treatment at the hospital. Coverage is designed specifically for critical care treatment.
Policyholders have the option of either reporting a claim online, by phone or by fax. If you wish to report your claim online, simply fill out the requested information and submit. For telephone claims, please phone (852) 2288 9292 or fax the claim to (852) 3418 4974. Claims processing is guaranteed within 48 hours of submission and all necessary forms can be downloaded from the HSBC website.
HSBC Customer Service
HSBC believes in providing customer information at their fingertips. One of the ways the company does this is by secure online “eStatements” and “eAdvice.” The company will simply email you when the statements and advices are available for your review. Note that the company now charges for paper statements.
Should you need to speak to a customer service representative, please call (852) 2583 8000 or email them directly following the link provided on the website. Through email and a yearly survey, HSBC collects comments to see what changes or improvements need to be made.
Interested applicants can search and apply for positions on the HSBC website. Jobs are listed alphabetically by job title. However, you can also search by management positions, job title, job category, keyword, requisition identification number, and most recent job postings.
The website also provides the ability to create a profile so that your experience and abilities can be matched with job openings. You will also be able to view your application and resume and update information as needed.
HSBC Contact Information
HSBC inquiries can be mailed to the following address:
GPO Box 64
HSBC Awards and Recognition
HSBC has received many awards and recognition for its outstanding service. In fact, in 2010, the Hong Kong Association and Service Excellence honored the company with a gold award for outstanding service.
HSBC maintains an “A” rating with AM Best.
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