Superb Offer


	Superb Offer				Selecting Health Protections

Free Extra Influenza A H1N1 Protection - We Care

HSBC Insurance understands and cares about your everyday needs, so we want to be with you even in the battle against influenza A H1N1. To give you extra peace of mind, we have extended our product coverages amid the worldwide spread of influenza A H1N1.

New customers and existing customers of the following Life, Medical or Travel insurance plans can enjoy extra protection at no additional cost:

Offer	Applicable insurance plans
1. Double Hospital Cash Benefit maximum up to HK$10,000/US$1,250	Hospital Cash Benefit attached to Life Insurance Plans FirstCare / HospitalSurance / Refundable HospitalSurance Single Trip TravelSurance / MultiTrip TravelSurance
2. Double Death Benefit maximum up to HK$200,000/US$25,000	Life Insurance Plans
3. Full refund of premium for trip cancellation	Single Trip TravelSurance
4. Extension of grace period for premium payment from 30 days to 730 days	Life Insurance Plans

Notes:

1.	Offer 1 to offer 4 are available to new customers whose application must be signed during the period from 13 May to 31 July 2009.
2.	Offer 1 and offer 4 are available to existing customers whose application must be signed on or before 12 May 2009.
3.	The offers only apply to customers whose policy must be inforce when the insured person is confirmed infected by Influenza A H1N1 between 13 May 2009 and 31 December 2009.
4.	Influenza A H1N1 means the virus infection first identified in Mexico on 24 April, 2009 by the World Health Organisation.
5.	For offer details, please refer to General Terms and Conditions.

Get more details today about the offers:

Call the Application Hotline on 2233 3131 (New customer) or
Call HSBC Insurance Service Hotline on 2583 8000 (Existing customer)
Visit any HSBC branch

General Terms and Conditions

1.	The promotional offers under this campaign are only applicable to Life Insurance Plans, Medical Insurance Plans and Travel Insurance Plans (refer to in Clause 2). The promotional offer is for existing customers whose application must be signed on or before 12 May 2009 ("existing customer") and new customers whose application must be signed during the period from 13 May to 31 July 2009 ("new customer"). The promotional offers only apply to customers whose policy must be inforce when the insured person is confirmed infected by Influenza A H1N1 between 13 May 2009 and 31 December 2009 ("Eligible Policy"). The promotional offers shall at all times be subject to these Terms and Conditions.
2.	"Life Insurance Plans" refer to RetireIncome Annuity Plan, RetireEnrich Protection Plus, WholeLife Protection Plan, Lifetime Protection Plus, Lifestyle Protection Plus, Lifestyle Education Protection Plus, Lifestyle Retirement Protection Plus, Target Protection Plus, Term Protection Plan, LifeSave Protection Plan (Lifetime Medical), Mortgage Protection Plan, Refundable Protection Plan (Major Illness), Term Life Insurance (Refundable Premium), investment-linked life insurance plans and other life insurance plans; "Medical Insurance Plans" refer to FirstCare, HospitalSurance, Refundable HospitalSurance; "Travel Insurance Plans" refer to Single Trip TravelSurance and MultiTrip TravelSurance. Please go to HSBC branch or call hotline for the applicable plans under this campaign.
3.	A customer who has withdrawn/cancelled an application/policy for the same insurance plan within the past six months will not be entitled to the promotional offers.
4.	The promotional offers will be provided to eligible insured persons and / or policyholders on top of any prevailing offers of other concurrent promotions.
5.	Offers under this campaign are applicable only to Personal Insurance customers of HSBC Life (International) Limited and HSBC Insurance (Asia) Limited ("the Insurance Companies").
6.	Influenza A H1N1 means the virus infection first identified in Mexico on 24 April, 2009 by the World Health Organisation.
7.	Any claims for the below mentioned offers are subject to terms and conditions of the relevant policies.
8.	All insurance applications are subject to approval by the Insurance Companies.
9.	The Insurance Companies reserve the right to change these Terms and Conditions at any time with or without notice.
10.	In the event of dispute, the decision of the Insurance Companies shall be final and conclusive.
11.	Should there be any discrepancy between the English and Chinese version of these Terms and Conditions, the English shall prevail.

Offer 1:

Double hospital cash benefit - applicable to new customer holdings an Enligible Policy of Life Insurance Plans or Medical Insurance or Travel Insurance Plans

1.	The double hospital cash benefit is, subject to the following terms, equal to additional payment of 100% of the specific benefit items of the following plans up to a maximum of HK$10,000/US$1,250:
	(i)	Hospital Cash Benefit Amount under Hospital Cash Benefit attached to Life Insurance Plans;
	(ii)	Daily Cash Benefit under HospitalSurance;
	(iii)	Daily Hospital Cash Benefit under Refundable HospitalSurance;
	(iv)	Cash Benefits under FirstCare - if the insured person as an inpatient in a Hong Kong public hospital; and
	(v)	Hospital Cash Benefit under TravelSurance - subject to a maximum of HK$6,000
2.	The double hospital cash benefit will be payable to the insured person who is confirmed infected by Influenza A H1N1 and hospitalised between13 May 2009 and 31 December 2009.
3.	The double hospital cash benefit is on a per life basis. It will be only payable in respect of the eligible policy which provides the greatest amount of daily hospital cash benefit if the insured person is covered under multiple eligible policies. If the daily hospital cash benefit of each such policy is identical, this double hospital cash benefit will be payable under the eligible policy first issued.

Offer 2:

Double death benefit - applicable to new customer holdings an Eligible Policy of Life Insurance Plans

1.	The double death benefit up to HK$200,000/US$25,000 per life will be payable to the beneficiary(ies) if the insured person is confirmed infected by Influenza A H1N1 after the policy issuance and dies on or before 31 December 2009.
2.	The double death benefit of the following plans are subject to the following:
	(i)	An additional 100% of sum insured of the basic plan specified in Policy Schedule 1 for Life Insurance Plans except RetireIncome Annuity Plan, RetireEnrich Protection Plus and Refundable Protection Plan (Major Illness)
	(ii)	An additional 1% of the premiums paid for the basic plan at the date of death for RetireIncome Annuity Plan / RetireEnrich Protection Plus
	(iii)	An additional 100% of the death benefit up to HK$10,000/US$1,250 for Refundable Protection Plan (Major Illness)
3.	The double death benefit is on a per life basis. It will be only payable in respect of the eligible policy which provides the greatest amount of death benefit if the insured person is covered under multiple eligible policies. If the death benefit of each such policy is identical, this double death benefit will be payable under the eligible policy first issued.

Offer 3:

Full refund of premium - applicable to new customer holdings an Eligible Policy of Single Trip TravelSurance

	1.	Upon cancellation of trip due to travel destination country has reported laboratory confirmed cases of Influenza A H1N1 (refer to regular update from WHO), the policyholder of Single Trip TravelSurance can request for policy cancellation with a full refund of premium paid.
	2.	Policy cancellation is not allowed if any claims has been made under the policy.

Offer 4:

Extension of premium payment grace period to 730 days - applicable to new customer or existing customer holdings an Eligible Policy of Life Insurance Plans

The 30-day grace period for overdue premium will be extended to 730 days if the policyholder of a Life Insurance Plan except investment-linked life insurance plans is confirmed infected by Influenza A H1N1 between 13 May 2009 and 31 December 2009.

All Life Insurance Plans are underwritten by HSBC Life (International) Limited and all Medical Insurance Plans and Travel Insurance Plans are underwritten by HSBC Insurance (Asia) Limited. The Hongkong and Shanghai Banking Corporation Limited (referred to as "HSBC") is an insurance agent authorised by the Insurance Companies.

May 2009

Issued by HSBC Life (International) Limited and HSBC Insurance (Asia) Limited.