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HSBC HappyFamily (EmpoweredMum)
Product Review
5.0
Introduction
HSBC HappyFamily is a bundled product consisting of EmpoweredMum and an eligible policy insuring the Father, Mother or Child’s Sibling.

HSBC EmpoweredMum is a single premium maternity plan that provides coverage for both the expectant mother and newborn child. The plan covers the expectant mother for death, pregnancy complications, hospital care and early delivery by caesarean section. The plan also covers the newborn child for death, congenital illness, hospital care and developmental delay. The policy can be purchased as early as 13 weeks of pregnancy.
How it Benefits you?

 

Benef 

Benefits For the Mother

  • Death benefit: 100% of sum assured

  • *Pregnancy Complications Benefit: Receive 100% of Sum Assured if you are diagnosed with any of the 15 covered pregnancy complications

  • *Hospital Care Benefit: Receive 2% of Sum Assured per day of hospitalisation due to any of the 10 covered hospitalisation events, for up to 30 days

  • *Hospital Care Benefit: Receive 2% of Sum Assured per day of hospitalisation due to any of the 10 covered hospitalisation events, for up to 30 days

Benefits For the Child

  • Death benefit: 100% of sum assured
  • *Congenital Illnesses Benefit for Child: Receive 100% of Sum Assured if newborn Child is diagnosed with any of the 26 covered congenital illnesses.

  • *Hospital Care Benefit: Receive 2% of Sum Assured per day of hospitalisation due to any of the 17 covered hospitalisation events, for up to 30 days.

  • Developmental Delay Benefit: Receive 15% of Sum Assured if Child is diagnosed with developmental delay in gross motor or speech development

  • Option to take up a complimentary AXA Shield plan B for child with no underwriting

What we like about the plan?

1. Pregancy due to IVF option is accepted

 

2. Within 60 days from the Date of Birth of the Child, the parent has the option to purchase HSBC Flexi Protector or HSBC Life Treasure ll, without any medical underwriting on the child.

 

3. Complimentary HSBC Shield Plan B: Within 60 days from the Date of Birth of the Child, the newborn child will be granted an HSBC shield plan B without underwriting, and will enjoy a free first year premium.

 

4. Early Delivery by Caesarean Section benefit (First in market)

 

5. Developmental Delay Benefit for Child: 15% Sum Assured if Child is diagnosed with developmental delay in gross motor or speech development

 

6. 1st year complimentary AXA Shield Plan B cover for newborn Child without underwriting

 

7. Eligible policy to bundle with AXA EmpoweredMum:

  1. HSBC Savvy Saver ll
  2. HSBC Life Treasure ll 
  3. HSBC Super CritiCare
  4. Term Protector/ Term Protector Prime
  5. Pulsar
  6. HSBC Wealth Accelerate
  7. HSBC Flexi Protector
  8. HSBC Wealth Harvest


 

Case Studies

For the Mother

Pregnancy Complications (15):

  1. Abruptio Placentae
  2. Amniotic Fluid Embolism
  3. Choriocarcinoma & Malignant Hydatidiform Mole
  4. Disseminated Intravascular Coagulation
  5. Fatty Liver of Pregnancy
  6. Gestational Diabetes resulting in Foetal Macrosomia Neonatal Hypoglycaemia
  7. HELLP Syndrome
  8. Incompetent Cervix leading to preterm birth
  9. Miscarriage due to Accident
  10. Placenta Increta/Percreta
  11. Postpartum Haemorrhage requiring Hysterectomy
  12. Pre-Eclampsia or Eclampsia
  13. Still Birth
  14. Uterine Rupture
  15. Vasa Previa

 

Hospital Care benefit (10):

  1. Due to any of the complications under the Pregnancy Complications Benefit
  2. Complications of lactational mastitis
  3. Inpatient psychiatric treatment
  4. Post-natal Anaemia
  5. Pueperal Pyrexia
  6. Pulmonary embolism
  7. Repair of 4th degree perineal tear
  8. Septic pelvic thrombophlebitis
  9. Surgical site infection following Caesarean section
  10. Uterine infection or transfusion due to retained placenta following birth

 

For the insured Child

Congenital illness benefit (26):

  • Absence of two limbs
  • Anal atresia
  • Atrial septal defect
  • Biliary atresia
  • Cerebral palsy
  • Cleft lip and cleft palate
  • Club foot
  • Coarctation of the Aorta
  • Congenital Abnormalities of the Kidney and Urinary Tract (CAKUT)
  • Congenital blindness
  • Congenital cataract
  • Congenital deafness
  • Congenital diaphragmatic hernia
  • Congenital Dislocation of Hip
  • Congenital hypertrophic pyloric stenosis
  • Development dysplasia of the hip
  • Down's syndrome
  • Infantile hydrocephalus
  • Patent ductus arteriosus
  • Retinopathy of prematurity
  • Spina bifida
  • Tetralogy fallot
  • Trancheo-Esophageal fistula or Esophageal atresia
  • Transposition of the great vessels
  • Truncus arteriosus
  • Ventricular septal defect

 

Hospital care benefit (17):

  1. Admission into ICU or HDU
  2. Avian Influenza A (H7N9) and (H5N1)
  3. Chikungunya Fever
  4. Creutzfeldt-Jakob Disease
  5. Dengue Haemorrhagic Fever
  6. Ebola
  7. Hospitalisation as an inpatient due to Hand, Foot and Mouth Disease
  8. Incubation of the newborn Child for more than 3 consecutive days immediately following birth
  9. Japanese Encephalitis
  10. Malaria
  11. Nipah Virus Encephalitis
  12. Phototherapy or blood transfusion for severe neonatal jaundice
  13. Premature birth requiring neo-natal ICU or HDU
  14. Rabies
  15. Severe Measles
  16. Typhoid Fever
  17. Zika Virus
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