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.

Life protection medical

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:

  • Apply before 30 Jun 2020 to get up to 10% off your first-year premium.  T&C apply. Please visit branch for details.
  • You may earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs 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:

  • Apply before 30 Jun 2020 to get up to 10% off your first-year premium.  T&C apply. Please visit branch for details.
  • You may earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs 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:

  • Apply before 30 Jun 2020 to get up to 10% off your first-year premium.  T&C apply. Please visit branch for details.
  • You may earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs 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:

  • Apply before 30 Jun 2020 to get up to 10% off your first-year premium.  T&C apply. Please visit branch for details.
  • You may earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs 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:

  • Apply before 30 Jun 2020 to get up to 10% off your first-year premium.  T&C apply. Please visit branch for details.
  • You may earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs 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:

  • Apply before 30 Jun 2020 to get up to 10% off your first-year premium.  T&C apply. Please visit branch for details.
  • You may earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs 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.

Life Protection

Mother reading to kids on sofa; image used for HSBC Term Life Insurance.

HSBC Term Protector

A term life insurance plan with simple structure and no savings element.
  • Offers up to HKD5 million coverage and premium as low as HKD8.23 per day
  • Premiums are fixed for every 10-year period
  • Online application available
Underwritten by HSBC Life (International) Limited. T&Cs apply.

Limited time offers till 30 April 2020:

  • Get 2 months premium waiver by entering promo code FREE2M#. and
  • You may earn up to $50 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs apply.

# This promo code is a 2 months premium waiver offer after your first month’s payment. (Click here to see the full T&C.)

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:

  • You may earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs apply.
Kids and father near river; image used for HSBC WholeLife Protection Plan.

WholeLife Protection Plan

A whole life insurance plan with comprehensive lifetime cover and guaranteed long-term savings.
  • Life insurance protection
  • Fund your plan with regular payments in 5, 10, 25 years or choose to pay up to age 65
  • Guaranteed cash value, and non-guaranteed annual dividends that you can withdraw as cash or rollover to boost policy value
Underwritten by HSBC Life (International) Limited. T&Cs apply.

Limited Time offers:

  • You may earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs 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:

  • Apply before 30 Jun 2020 to get up to 10% off your first-year premium.  T&C apply. Please visit branch for details.
  • You may earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs 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.

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 30 Apr 2020:

  • Extra HK$200 RewardCash per successfully applied policy with an eligible HSBC credit card. T&Cs apply, and
  • 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.
Family riding wooden horse; image used for HSBC Comprehensive Critical Illness Protection Plan

HSBC Comprehensive Critical Illness Protection Plan

A life protection plan with comprehensive cover for critical illnesses.
  • Protection against 60 critical illnesses
  • Enables claims of up to 200% of sum insured for the cancer illness and non-cancer Illness groups
  • Life insurance protection
Underwritten by HSBC Life (International) Limited. T&Cs apply.

Limited Time offers:

  • You may earn up to $500 extra RewardCash by paying new policy’s premium to HSBC Life with an eligible HSBC Credit Card on or before 30 April 2020. T&Cs 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.
  • Comprehensive cover, including medical expenses up to HKD5 million and personal liability up to HKD10 million
  • Covers all ages with full benefits
  • Covers designated loss such as adverse weather conditions, strike, terrorism or natural disasters
  • Online application available
Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

Apply for TravelSurance by 30 April 2020 to get:

  • 35% off your first year’s premium for annual MultiTrip TravelSurance
  • 15% off for Single Trip TravelSurance
Couple cooking; image used for HSBC HomeSurance.

HomeSurance

An insurance plan that offers comprehensive coverage on home contents.
  • Household contents covered up to HKD1.2 million
  • Personal liability insurance for you and your family up to HKD10 million
  • Online application available
Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

Apply for HomeSurance to get 20% off your first year’s premium and 15% off your second year’s premium. T&Cs apply.

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.
A girl putting on fire jacket; image used for Fire Insurance.

Fire Insurance

Provides you with the financial resources to replace what you have lost in a hazard.
  • Receive coverage for rebuilding your home if it's damaged by fire outbreak, lightning and typhoons, windstorms or floods
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.
Woman on bed; image used for HSBC Hospital Cash Insurance.

HospitalSurance: Hospital Cash Insurance

A hospital insurance plan that offers daily cash payments on top of your existing medical insurance benefits under other insurance plans that you are free to use for any purpose.
  • Choose from 4 levels of hospital cash payments according to your needs, with daily cash payments from HKD500 to HKD2,000
  • Reimbursable surgical expenses in hospital, up to ten times your daily limit, per illness or accident
  • Express Claims Approval Service for any qualified claims amount below HKD5,000
  • 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.

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.

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.

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.

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.