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

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.

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

Plan facts

Occupation basisOccupation Classes 1–2

Entry ageVerify current entry limits

Renewal / continuationMaximum coverage age 75

PricingPublished schedule

PlansPackage 1 / 100k · Package 2 / 200k · Package 3 / 500k

Benefits

Accidental death100,000 | 200,000 | 500,000

Accidental permanent disabilityUp to 150,000 | Up to 300,000 | Up to 750,000

Public transport / aircraftDouble payout on specified public transport; triple on specified commercial aircraft, subject to overall limits.

Free child coverUp to three children when Package 3 minimum sum assured is selected.

Optional modulesSix optional benefits covering medical reimbursement, broken bones, home modification, weekly income, hospital income and related recovery support.

Strengths

StrengthLow published base premium

StrengthSimple three-level capital structure

StrengthFree child cover at the highest package

Watch-outs

Watch-outOptional package can cost as much as or more than base cover

Watch-outOnly Classes 1–2 appear in the public pricing table

Watch-outMedical and income benefits depend on selected options

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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.