Band Aid
Personal accident plan by HSBC Life. Base premium from S$102/yr. Accidental death up to S$500,000, permanent disability up to S$750,000.
Last verified 12 Jul 2026 · 7 official sources · pa-2026-07-12
Last verified12 Jul 2026
Data versionpa-2026-07-12
Verified sources7 of 7
- HSBC Life Shield Premium Tables
- HSBC Life Shield / HSBC Life Enhanced Care II Individual Annual Premium Rates
- HSBC Life Shield and Enhanced Care II brochure
- HSBC Life Shield product page (2026)
- HSBC Life Band Aid — official product page
From the insurer's official product page. A headline sum is a ceiling; actual payout depends on the event, disability scale, occupation, exclusions and policy wording.
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Premiums (base cover)
| Plan | Occupation | Cover | Annual premium |
|---|---|---|---|
| Package 1 / 100k | Occupation Class 1 | Base | S$102 |
| Package 2 / 200k | Occupation Class 1 | Base | S$205 |
| Package 3 / 500k | Occupation Class 1 | Base | S$512 |
| Package 1 / 100k | Occupation Class 2 | Base | S$112 |
| Package 2 / 200k | Occupation Class 2 | Base | S$225 |
| Package 3 / 500k | Occupation Class 2 | Base | S$561 |
Show all premium rows (12, incl. optional covers)
| Plan | Occupation | Cover | Annual premium |
|---|---|---|---|
| Package 1 / 100k | Occupation Class 1 | Base | S$102 |
| Package 2 / 200k | Occupation Class 1 | Base | S$205 |
| Package 3 / 500k | Occupation Class 1 | Base | S$512 |
| Package 1 / 100k | Occupation Class 2 | Base | S$112 |
| Package 2 / 200k | Occupation Class 2 | Base | S$225 |
| Package 3 / 500k | Occupation Class 2 | Base | S$561 |
| Package 1 / 100k | Occupation Class 1 | All six optional benefits package | S$95 |
| Package 2 / 200k | Occupation Class 1 | All six optional benefits package | S$152 |
| Package 3 / 500k | Occupation Class 1 | All six optional benefits package | S$537 |
| Package 1 / 100k | Occupation Class 2 | All six optional benefits package | S$105 |
| Package 2 / 200k | Occupation Class 2 | All six optional benefits package | S$168 |
| Package 3 / 500k | Occupation Class 2 | All six optional benefits package | S$591 |
Plan facts
Benefits
The balanced take
AI-drafted · human-reviewed · 14 Jul 2026A simple, low-cost entry plan with a clean three-level structure and free child cover at the top package, best for straightforward needs rather than rich medical or income benefits.
Commonly praised
- Low published base premium
- Simple three-level capital structure
- Free child cover on the top package
Common trade-offs
- The optional package can cost as much as the base
- Public pricing only shows lower-risk (Class 1–2) jobs
- Medical and income benefits depend on options chosen
AI-drafted from this plan's documented strengths and trade-offs, then reviewed by our team. It is an educational synthesis of published product facts — not consumer reviews, an insurer statement, or financial advice. Confirm details with the insurer or a licensed adviser.
Community reviews
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Speak to an adviser about HSBC Life Band Aid
An adviser can help you:
- Match the plan and tier to your occupation, activities and budget
- Weigh the trade-offs above against comparable plans
- Get a firm quote — including plans that only price on request
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HSBC Life Band Aidfigures are indicative, for comparison and education only, from the insurer’s published 2026 material. Actual premiums, occupation loading, eligibility, exclusions and payouts depend on your circumstances and the policy contract. This page does not rank plans or recommend a product. Confirm with HSBC Life or a licensed financial adviser before any decision.