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Family running; image used for HSBC Insurance "Plan for your life’s journey".

Plan for your life’s journey

We're here to help on every stage of your life

Each stage brings with it different opportunities and goals, as well as different needs and priorities. In some moments you'll focus on saving. Other times you'll be more concerned with protection for your loved ones.

At HSBC Life, we understand these changing needs. So we offer all-round options that can help you plan and achieve a better life, no matter where you are on the journey.

Savings

Dad and his daughter are dressing up in ballet costumes and performing at home; image used for HSBC FirstSave Insurance Plan.

HSBC FirstSave Insurance Plan

A five-year insurance plan with savings element to reach your goals.
  • Apply online with a discount, pay for 2 years and get up to 113% of the total premium paid3 after 5 years
  • Online application available
Underwritten by HSBC Life (International) Limited. T&Cs apply. The percentage of returns varies by the chosen premium payment mode and the mode of application (branch or online).
Family play blocks; image used for HSBC Income Goal Insurance Plan.

Income Goal Insurance Plan II

An annuity plan that covers newborns through to age 65, and provides a monthly income stream upon retirement.
  • Pay 3 years and accumulate your premium for 10 years
  • After accumulation period, receive a monthly annuity payment for 10 years or accrue them with interest
  • The plan comes with a non-guaranteed special bonus at the end of the policy term
Underwritten by HSBC Life (International) Limited. T&Cs apply.

Limited Time offers:

  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply
  • Apply before 31 Dec 2020 to get up to 10% off your first-year premium. T&C apply.
A family is riding horses; image used for HSBC Income Goal Deferred Annuity Plan page.

HSBC Income Goal Deferred Annuity Plan

An annuity plan that provides a monthly income stream after you retire with tax saving benefit. Life insured from age 26 to 65 can apply.
  • Pay in 5 or 10 years and get a monthly annuity payment after accumulation period for 10, 15 or 20 years or accrue them with interest
  • Receive a non-guaranteed special bonus at the commencement of the annuity period and accumulate with interest (if any) which forms part of non-guaranteed annuity payment
  • Potentially Save on personal tax up to HKD $10,2002 per person each year while paying premium

Underwritten by HSBC Life (International) Limited. T&Cs apply.

 

This plan is certified by the Insurance Authority as a qualifying deferred annuity policy

Limited Time offers:

  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply
  • Apply before 31 Dec 2020 to get up to 13% off your first-year premium. T&C apply.
A couple is hugging under the ferris wheel; image used for EarlyIncome Annuity Plan.

EarlyIncome Annuity Plan

An annuity plan that provides a monthly income stream after you retire. Life insured aged from 35 to 75 can apply.
  • Pay 3 years with an accumulation period of 1 or 3 years, receive a monthly annuity payment for 20 years or to age 99
  • Unpaid annuity can be succeeded by beneficiaries
  • A choice to enrich your plan with additional Dementia Protection
Underwritten by HSBC Life (International) Limited. T&Cs apply.

Limited Time offers:

  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply
  • Apply before 31 Dec 2020 to get up to 10% off your first-year premium. T&C apply.
Couple are riding motor cycle in excitement; image used for HSBC EarlyIncome Deferred Annuity Plan.

HSBC EarlyIncome Deferred Annuity Plan

An annuity plan that provides a monthly income stream after you retire, with a bonus tax saving. Life insured from 46 to 70 can apply.
  • Pay 5 years and receive a monthly annuity payment after accumulation period for 20 years or to age 99; or accrue them with interest
  • Potentially save on personal tax up to HKD10,2002 per person each year while paying premium
  • Unpaid annuity can be succeeded by beneficiaries

Underwritten by HSBC Life (International) Limited. T&Cs apply.

 

This plan is certified by the Insurance Authority as a qualifying deferred annuity policy.

Limited Time offers:

  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply
  • Apply before 31 Dec 2020 to get up to 13% off your first-year premium. T&C apply.
Two men are playing magic tricks with coins; image used for HSBC Wealth Goal Insurance Plan II.

HSBC Wealth Goal Insurance Plan II

A whole life insurance plan designed for people with long-term wealth savings objectives.
  • Potential long-term growth with projected cash value reaching 400%4 of total premium payment
  • Flexibility to lock-in a portion of your policy value
  • Option to transfer the coverage
Underwritten by HSBC Life (International) Limited. T&Cs apply. “Projected cash value”4 is non-guaranteed, the actual return may be higher or lower than the amount quoted.

Limited Time offers:

  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply
  • Apply before 31 Dec 2020 to get up to 10% off your first-year premium. T&C apply.
Family are playing doguno;image used for HSBC Health Goal Insurance Plan.

HSBC Health Goal Insurance Plan

An insurance plan which protects against major critical illnesses and offers potential wealth appreciation.
  • Potential return can reach 4% p.a.5
  • Protection from 3 major critical illnesses: cancer, heart disease and stroke
  • Critical illness claims will not affect savings and potential return
Underwritten by HSBC Life (International) Limited. T&Cs apply. “Potential return” is non-guaranteed, the actual return may be higher or lower than the amount quoted.

Limited Time offers:

  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply
  • Apply before 31 Dec 2020 to get up to 10% off your first-year premium. T&C apply.
Father and daughter playing guitar; image used for HSBC Goal Access Life Education Plan .

Goal Access Universal Life Plan (Education)

An insurance plan which provides life protection to your child and builds up a fund for your child’s education and future.
  • Pay for 5 years and receive potential return when your child reaches 22
  • Option to withdraw cash early
Underwritten by HSBC Life (International) Limited. T&Cs apply.

Limited Time offers:

  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply

Life Protection

Father and daughter are cooking happily,image used for HSBC Family Protector.

HSBC Family Protector

A term life insurance plan you can tailor to your needs at different life stages. Available online only.
  • Get up to HKD7million life coverage with premium as low as HKD10.93 per day6
  • Flexible options of up to 4 additional benefits7  of your choice - critical illness & cancer protection, child protection, hospital cash protection, accidental death benefit.
  • Easy online application
Underwritten by HSBC Life (International) Limited. Terms and conditions apply.

Exclusive offer:

  • Enjoy a 1-month premium waiver with each additional benefit added to your basic plan. You can apply for a maximum of 4 additional benefits.*

*This offer applies to both your basic plan and additional benefits after your first month's payment. You can only enjoy this offer if your additional benefits are purchased and approved together with your basic plan.

Father hold up daughter; image used for Mortgage Protection Insurance.

Mortgage Protection Plan

An insurance plan that protects your mortgage loan in the event of your death.
  • Select insurance cover and term of policy to suit your mortgage
Underwritten by HSBC Life (International) Limited. T&Cs apply.

Limited Time offers:

  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply

Ballet Daddy measuring height; image used for HSBC Family Goal Insurance Plan

HSBC Family Goal Insurance Plan

An insurance 3-in-1 solution with enhanced protection in the first 20 years.
  • Life insurance protection
  • Cancer benefit covering your children
  • Potential saving appreciation for a fulfilling retirement age
Underwritten by HSBC Life (International) Limited. T&Cs apply.

Limited Time offers:

  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply
  • Apply before 31 Dec 2020 to get up to 10% off your first-year premium. T&C apply.
Father and son on grass; image used for HSBC Goal Access Universal Life Protection Plan

Goal Access Universal Life Plan (Protection)

An insurance plan which offers comprehensive protection while building a cash fund.
  • Life insurance protection
  • Pay 5 years and receive potential return
  • Flexibility to partially withdraw cash and adjust the sum insured
Underwritten by HSBC Life (International) Limited. T&Cs apply.

Limited Time offers:

  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply

Medical Protection

Doctor use computer ; image used for HSBC FirstCare Plus Insurance.

FirstCare Plus Medical Insurance

A medical insurance plan for those who want the best care for their families.
  • Full coverage with the AXA Signature Network
  • Annual medical benefit of up to HKD5 million with no sub-limits
  • Settle your medical bills directly when using AXA Signature Network of hospitals
  • Online application available
Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

Limited time offer till 31 Dec 2020:

  • HK$400 Mannings cash voucher for Enhanced or Top Plan, or HK$200 Mannings cash voucher for Basic, Saver or Standard Plan, and
  • Successfully apply for family coverage to enjoy an annual 10% discount.
<img id="pp_intro_image_3" class="A-IMAGE-RW-ALL smart-image-img" src="https://cdn.hsbc.com.hk/content/dam/hsbc/hk/images/mass/insurance/hero-21-9/yoga-at-home-dcm-45869.jpg" alt="Yoga at home; image used for HSBC VHIS Flexi Plan.">

HSBC VHIS Flexi Plan

A medical insurance plan certified under the Voluntary Health Insurance Scheme8 that provides you and your loved ones with all-round medical coverage, including access to quality medical care at private healthcare services.
  • Eligible for tax deduction of up to HKD 8000 per insured person9
  • Get fully covered for hospitalisation and surgical fees without any sub-limits
  • Cashless arrangement for hospitalisation in Hong Kong upon pre-authorization

Underwritten by HSBC Life (International) Limited . T&C apply.

This is a Food and Health Bureau certified VHIS flexi plan provided by HSBC Life (registration number: 00042).

Limited Time offers:

  • Get up to 65% off your first-year premium when applying for both HSBC VHIS Flexi plan and selected life insurance plan. Offer ends 31 December 2020. T&C apply. See more.
  • Get up to HKD1,500 MediFast coupon when you apply with designated first year annual premium amount. Offer ends 31 December 2020. T&C apply.
  • Earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier MasterCard on or before 31 December 2020. T&C apply.
Doctor and couple; image used for HSBC Cancer Care Insurance.

Cancer Care

A critical illness insurance plan that provides adjustable coverage and lump sum payment upon cancer diagnosis.
  • Choose from 4 levels of cover, from HKD300,000 to HKD1 million
  • Get an advance payment of 30% of the sum insured if you’re diagnosed with an early-stage cancer or carcinoma-in-situ
Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

Lifestyle

Woman standing against mount Fuji; image used for HSBC TravelSurance.

TravelSurance

A travel insurance plan that gives you freedom to explore the world.
  • Get up to HKD6,000 coverage for your phone
  • Comprehensive cover, including medical expenses up to HKD5 million and personal liability up to HKD10 million
  • Covers all ages with full benefits
  • Online application available
Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

Apply for TravelSurance by 31 December 2020 to get:

  • 30% off your first year’s premium for annual MultiTrip TravelSurance
  • 15% off for Single Trip TravelSurance
Family playing together and father giving his son piggyback ride; image used for HSBC ResidenceSurance.

Home contents insurance

Explore a range of plans designed to provide your home and its contents with extensive coverage, no matter if you're a homeowner, landlord or tenant.
  • Cover home contents for up to HKD2 million
  • Get personal liability coverage for you and your family for up to HKD20 million
  • New for old: Replace your damaged or lost items with a new one of similar value before their depreciation
Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

Limited time offers:

  • Apply on or before 30 Nov 2020 to get a Turbo Italy UV Sterilization Bed Cleaner* as a welcome gift and 20% off your premium for the first year, and 15% off for the second. T&Cs apply.

    * This welcome gift applies to Plans 1-4 only.
Family in car; image used for Private Car Insurance.

Car Insurance

A comprehensive car insurance plan for loss or damage resulting from a traffic accident.
  • Protect you against third-party legal liability
  • 24-hour emergency service
  • Online application available
Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.
Two little girls and a mother is helping one of them eating; image used for HSBC Helper Insurance.

Helper Insurance

An insurance plan that provides comprehensive domestic helper coverage with extra benefits.
  • Employees’ compensation up to HKD100 million
  • Hospital expenses, personal effects and repatriation expenses covered by our Basic Plan and our Comprehensive Plan
  • Online application available
Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.
Man and nurse; image used for HSBC Accident Insurance.

AccidentSurance

An accident insurance plan that provides a cash lump sum benefit in the case of serious injury through personal accident, as well as medical expenses relating to an accident.
  • Choose 2 levels of cover
  • Access to over 250 hospitals in mainland China with the China Hospital Deposit Guarantee Card
  • Online application available
Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.
  1. The quoted expenses is referenced from the booklet issued by HSBC Life (International) Limited in 2019 entitled ‘Paving the Way For Your Children’s future’. The expenses quoted have been calculated based on a 4-year programme commencing in 2019/20 school year. Quoted fees and expenses are for reference only.
  2. Based on the highest rate (17%) of the progressive tax rates and a tax payer paying HKD60,000 of qualifying deferred annuity policy or TVC, or a combination of both during the relevant year of assessment. A taxpaying couple can also claim a total deduction of HKD120,000 provided that the deductions claimed by each taxpayer do not exceed the individual limit.
  3. 113% is calculated based on annually paid policies with USD100,000 or less notional amount and with 4.5% discount off on the first year's premium.
  4. 400% is a projected return after 30 years based on the assumption that the life insured is a 35-year-old male paying an annual premium of USD40,000 for 3 years.
  5. The return of 4% p.a. is based on the assumption of a policy with policy period of 30 years and it is assumed that the life insured is 50 years of age or below and a non-smoker – and a 5-year premium term.
  6. Based on a policy with a sum insured of HKD7,000,000 which covers the life of a non-smoking female who is 19 years old without adding any additional benefits. The annual premium for such a policy is currently HKD3990. Age refers to the age at the next birthday. The figure is subject to rounding adjustment. The actual amount of the premium is decided at the discretion of HSBC Life (International) Limited.
  7. Additional benefits are subject to additional premium.
  8. To learn more about the list of HSBC VHIS certified plans, please click here. For certification number of HSBC VHIS Standard Plan, please click here. For certification numbers of HSBC VHIS Flexi Plans, please click here.
  9. The insured person should be the taxpayer or any specified relatives, which cover the taxpayer's spouse and children, and the taxpayer's or his/her spouse's grandparents, parents and siblings. Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). The actual tax saving may be lower than the illustrated amount and is subject to review and agreement by the Inland Revenue Department on a case by case basis. For more information, please refer to www.ird.gov.hk This link will open in a new window or seek independent tax advice.

The information above is provided for your general reference only. It is not intended to constitute a recommendation or advice to any prospective customers or to be the basis of any insurance advice or recommendation. The information here should not be construed as an invitation to accept or a solicitation to buy any insurance products or services. Products and services are subject to an individual’s needs and his/her ability to afford the products and services. You should not act on any part of the information here without seeking professional advice from an HSBC financial advisor. Contact an HSBC financial advisor who can help analyze your financial needs and risk profile.

The insurance plans shown above are not equivalent to any bank deposit or savings. If you wish to learn more about any of the above insurance plans, please refer to the respective product brochure for detailed features and the Policy Provisions for the detailed terms and conditions on the insurance product webpages.

 

Life insurance products are underwritten by HSBC Life (International) Limited (“HSBC Life”). HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group’s insurance underwriting subsidiaries. HSBC Life is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR. Policyholders are subject to the credit risk of HSBC life and early surrender loss.

General insurance products are underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR.

The Hongkong and Shanghai Banking Corporation Limited (“the Bank”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of HSBC Life for the distribution of life insurance products and AXA for distribution of general insurance products in the Hong Kong SAR.

The above products are products of HSBC Life and AXA but not the Bank and they are intended only for sale in the Hong Kong SAR. HSBC Life and AXA will be responsible for providing your insurance coverage and handling claims under your policy.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the product should be resolved between HSBC Life or AXA and you directly.