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Life Insurance

Protect yourself and your family’s future with HSBC Life.

Some promises are fulfilled together. As you strive to fulfill your promises to your loved ones, HSBC Life will be right here with you. Life insurance is more than giving you peace of mind if the unexpected happens, it could also mean fulfilling your wealth needs in your life journey, be it providing medical care, accumulating wealth, fulfilling education needs, supporting retirement plans and leaving a meaningful legacy for you and the people you care about. Discover what we can offer to help you achieve your goals.

The life insurance plans featured below are subject to credit risk of issuer HSBC Life (International) Limited and early surrender loss. Learn more about HSBC Life.

Latest offers

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Get up to a 4-month premium waiver

Apply for Family protector online and get a 1-month premium waiver for each additional benefit added to the plan.

Subject to credit risk of issuer HSBC Life (International) Limited. T&Cs apply.

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Get guaranteed returns

Apply online to get up to 2.83% p.a. returns after 5 years with HSBC FirstSave Insurance Plan. Limited quota.

T&Cs apply.

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HSBC Life Member Get Member Promotion

Register to be a Referrer and get HKD2,000 SOGO Coupons through successful referrals. Your Referee can also enjoy up to extra 1% discount on first year premium for selected life insurance plans.

T&Cs apply.

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Special benefits for COVID-19

We promise to help protect you and your family in times of need. Because of the COVID-19
outbreak, we’re extending a complimentary special benefit to our customers, their partners and children.

The family making funny things together; image used for HSBC Family Protector.
Life protection | Medical & critical illness

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 day5
  • Flexible options of up to 4 additional benefits6 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.
Dad and his daughter are dressing up in ballet costumes and performing at home; image used for HSBC FirstSave Insurance Plan.
Savings

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 paid2 View footn2 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).
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Medical & critical illness | Savings | Life protection | Retirement

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.4 4 View footnote 4
  • 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 30 Sep 2020 to get up to 10% off your first-year premium. T&C apply. Please visit branch for details.
Two men are playing magic tricks with coins; image used for HSBC Wealth Goal Insurance Plan II.
Savings | Retirement

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% 3of 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” 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 30 Sep 2020 to get up to 10% off your first-year premium. T&C apply. Please visit branch for details.
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Life Protection | Medical & critical illness | Savings

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 30 Sep 2020 to get up to 10% off your first-year premium. T&C apply. Please visit branch for details.
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Savings | Retirement | Education

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 $10,200 1 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 30 Sep 2020 to get up to 10% off your first-year premium. T&C apply. Please visit branch for details.
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Savings | Retirement

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 HKD10,200 1 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 30 Sep 2020 to get up to 10% off your first-year premium. T&C apply. Please visit branch for details.
Family play blocks; image used for HSBC Income Goal Insurance Plan.
Savings | Retirement | Education

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 30 Sep 2020 to get up to 10% off your first-year premium. T&C apply. Please visit branch for details.
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Savings | Retirement

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 30 Sep 2020 to get up to 10% off your first-year premium. T&C apply. Please visit branch for details.
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Life protection

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:

  • 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
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Life protection

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
Family riding wooden horse; image used for HSBC Comprehensive Critical Illness Protection Plan
Medical & critical illness | Life protection

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:

  • 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
Father and son on grass; image used for HSBC Goal Access Universal Life Protection Plan
Life protection

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
Father and daughter playing guitar; image used for HSBC Goal Access Life Education Plan .
Education | Savings

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

Life protection

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

Limited Time offers:

  • Earn up to $50 extra RewardCash by paying new policy’s premium to HSBC Life with HSBC Premier Mastercard on or before 31 December 2020. T&C apply

Don’t put life on hold

Father and daughter using tablet; image used for HSBC Life Insurance "Fulfil your life insurance needs anywhere".

With just a few simple steps, you can set up a video-enabled meeting via Zoom on your computer or mobile device to enjoy the convenience of discussing your life insurance needs with an Insurance Specialist. (Click here to see the set up details)                                                                            

Book online or call (852) 2233 3130 to arrange a meeting now!

Hotline is available Monday to Friday from 11:00am to 7:30pm except public holidays. T&Cs apply.

Insurance Insights

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Uphold the promises to you and your loved ones with tips on how to protect yourself and your finances.

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Find out what we offer that may help you plan for every stage of your life.

Making claims and making changes

Manage your policy online

Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.

Make a claim

Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.

 

Simply call our Tele-Consultants at (852) 31280122 who will assist you in preparing your relevant claim request(s).

Have you considered

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Put your health and your family’s wellbeing first with our flexible range of health insurance options.

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Stay focused on your recovery – receive a daily cash lump sum to support you if you’re in hospital.

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If critical illness strikes you or your family, only the very best treatment and latest medical technology is good enough.