HSBC Premier Insurance

Special features:

1. In the event of accidental death or permanent disability, we'll offer you a generous lump sum cash benefit to help you and your loved ones to get through difficult times.

2. There are four levels of cash benefits available, ranging from HK$500,000 to HK$2 million. Should you need even more protection amount, the HSBC Premier Insurance Team will arrange a plan just for you.

3. Additional safeguard of double cash benefits if you and your family members are involved in an accident in a common carrier or private car and triple benefits in a common air carrier

4. Ease your worries should you be injured in an accident as you are covered for in-patient and out-patient medical expenses as well as Chinese bonesetting treatment

5. Free 24-hour Worldwide Assistance hotline service so help is only a phone call away

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Home contents

Special features:

1. Comprehensive coverage for your home contents, possessions and valuables against accidental loss or damage

2. Covers your personal liability at home and wherever you travel

3. Comprehensive cover for your domestic helpers, at no additional cost

4. Claims payable as if your belongings were new, so there's normally no deduction for depreciation

5. Free 24-hour Insurance Home Assistance Service to give you emergency access to help, including locksmiths and plumbers, as well as general claims assistance.

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Traveller

Special features:

1. Enjoy the convenience of multi-trip cover - protection wherever and whenever you go without the need to take out a new policy for each trip

2. Protection for adventurous activities, such as bungee jumping, hang-gliding, parachuting, rafting and rock climbing, at no extra cost

3. High-limit protection for medical expenses including emergency medical evacuation

4. Even more protection with triple cash benefit for accident in a common air carrier

5. China Medical Card which allows you to receive in-patient medical treatment at over 100 designated hospitals in mainland China without the need to pay any deposit in advance

6. Traveller also protects you when you play golf, including payment if you score a 'Hole in One' on any recognised golf course in the world

7. Free 24-hour Worldwide Assistance hotline service - free medical and legal referral services

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Building

Special features:

1. Covers the cost of rebuilding your home if it is damaged by such incidents as fire, explosion, typhoon or subsidence

2. Your choice of cover - "fire and full perils" option gives you protection against loss arising from a number of common perils such as aircraft, earthquake, typhoon, windstorm, impact by vehicle etc. while the "all risks" option offers a wide range of cover for accidental damage unless excluded otherwise

3. Additional protection for accidental damage to sanitary ware and the like

4. Premiums are calculated based on the reinstatement value of your property

5. Alternative accommodation or loss of rent in the event of your home being uninhabitable

6. We can also provide coverage for overseas property upon request

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Motor

Special features:

1. No reduction on your No Claim Discount if you make one claim in any policy year, irrespective of the amount

2. Optional No Claim Discount protection for 2 claims made within the period of insurance

3. Optional voluntary excess discount

4. Free 24-hour Claims Helpline. In the event of an accident, we will arrange for emergency towing or road side repair if required, and we can provide you with help if you need to make a claim

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Instant cover

You will have instant cover as soon as you purchase either 'Personal Accident', 'Traveller' or 'Home Contents' cover. This means you will be fully covered even before you pay your first premium.

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Your guarantee of quality

If you apply for an HSBC Premier Insurance policy, you will be given 15 days to think over your decision. If, during this time, you change your mind, and as long as you have not made any claim, you can cancel your policy and any premium you have paid will be fully refunded*.

We have published our service standards in a 'Customer Charter '. If at any time you believe we have failed to meet any of these service standards, please let us know by contacting our HSBC Premier Insurance Service Team on (852) 2827 3336

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