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Life Insurance

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

First-time insurance buyer#? Get an extra 1.5% off your first year premium.

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.

Hot offers

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Unlock your true wellness

Join Well+ for a fun and rewarding way to improve your wellness—body, money and mind. Earn up to $2,000 RewardCash just by completing simple activities!

T&Cs apply. Please refer to Well+ T&Cs and FAQs.

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Get over 80% off term life insurance

With Family Protector, you can tailor term life insurance with additional benefits like critical illness cover, hospital cash and more.

T&Cs apply.

Learn more  
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Member Get Member Promotion

Register to be a Referrer and get HKD 2,000 SOGO coupons through successful referrals. Your Referee can also enjoy extra 0.1% discount on single premium or 1% discount on first year premium for selected life insurance plans.

T&C apply.

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'Life is more rewarding' offer

If you have applied for selected HSBC Life insurance plans between 23 June and 31 July, you can register online to receive PayMe discount voucher after your policy has been issued. 

T&C apply.

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Savings

HSBC Swift Save Insurance Plan

An insurance plan with guaranteed returns to reach your goals. This insurance plan is available online only.

  • pay in lump sum, or in 2 years and get up to 3.55% p.a. guaranteed returns

  • have a choice of policy currencies including RMB, HKD, USD and GBP

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

A man is holding the chart; image used for "HSBC Swift Save Insurance Plan"

Medical and critical illness insurance

HSBC Swift Guard Critical Illness Plan

A premium refundable critical illness plan that provides you with a financial safety net in the event of a critical illness, and peace of mind so you can focus on your recovery.

  • Coverage for HKD100,000 from just HKD7.70 a day1—plus, your premiums will not change throughout the payment term

  • Get a guaranteed full refund of your total premiums paid2 if you have not made any claims by the end of your policy term

  • Get covered against 76 critical illnesses, including cancer, heart disease, stroke and 4 conditions beyond the causes of critical illness, such as terminal illness and major medical treatment

T&Cs apply.

Two men doing sports in the square.

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.

  • HKD1,000,000 life coverage for less than HKD 2 a day3

  • Flexible options of up to 4 additional benefits4 of your choice - critical illness & cancer protection, child protection, hospital cash protection, accidental death benefit.

  • Easy online application

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

Limited time offers:

  • Get over 80% off your first year premium. T&Cs apply.
A man happily holding two pictures，Image used for first-year premium discount;

Medical & critical illness | Tax deductible

HSBC VHIS Flexi Plan

A medical insurance plan certified under the Voluntary Health Insurance Scheme5 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 8,000 per insured person6

  • 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&Cs apply.


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

Limited time offers:

  • Get up to 30% off your first year premium when you apply online. T&Cs apply.

 

Savings | Retirement income

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%7 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” is non-guaranteed, the actual return may be higher or lower than the amount quoted.

Limited time offers:

  • Get up to 20% off your first-year premium. T&C apply.
  • Earn up to an extra $6,000 RewardCash. T&Cs apply.
A family is riding horses; image used for HSBC Income Goal Deferred Annuity Plan page.

Savings | Retirement income | Child education | Tax deductible

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 $10,2008 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:

  • Get up to 9% off your first-year premium. T&Cs apply.
  • Earn up to an extra $6,000 RewardCash. T&Cs apply.
Father and daughter playing guitar; image used for HSBC Goal Access Life Education Plan .

Life protection | Investment-linked

HSBC Wealth Select Protection Linked Plan

An investment-linked assurance scheme designed to provide long-term life protection and a variety of investment choices to suit your needs.

  • Choose from 3 levels of sum insured – 150%, 200%, 250% of the total premium payable

  • Policy will stay in force until the policy anniversary immediately after the insured person reaches the end of age 65, as long as they meet specified conditions

  • Select from our wide range of investment choices with the option to opt in to our Risk Matching and De-risking Service

  • Fees and charges at plan level include policy management charge, insurance charge and early encashment charge

Underwritten by HSBC Life (International) Limited. T&Cs apply.  Investment involves risks. For further details including the product features and risks involved, please refer to the offering documents.

couple playing snow; image used for HSBC Flourish Income Annuity Plan page.

Savings | Retirement income | Child education

HSBC Flourish Income Annuity Plan

An annuity plan that provides a monthly income stream after you retire, applicable to life insured who is aged 19 to 75.

  • Pay 3 years with an accumulation period of 1 or 3 years, receive a monthly annuity payment for 25 years or to age 99

  • Enjoy a 3% per year increment on monthly guaranteed annuity during the first 10 years of the annuity period.

  • A choice to enrich your plan with additional Dementia Protection

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

Limited time offers:

  • Get up to 7% off your first-year premium. T&Cs apply.
Musician playing instrument; image used for HSBC Jade Universal Life Plans;

Life Protection | Legacy Planning

Jade Universal Life Plans

An insurance plan that helps you preserve your wealth so you can pass it on to your loved ones.

  • Whole life protection

  • Long-term financial protection for your loved ones with estate equalization and estate liquidity

  • Customisable in a variety of ways to meet your needs

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

Limited time offers:

  • Get up to 5.5% off your first-year premium. T&Cs apply.
Family play blocks; image used for HSBC Income Goal Insurance Plan.

Savings | Retirement income | Child 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:

  • Get up to 4% off your first-year premium. T&Cs apply.
  • Earn up to an extra $6,000 RewardCash. T&Cs apply.
Keung To from Mirror takes photos with a father and his daughter on the swan boat; image used for HSBC Family Goal Insurance Plan.

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:

  • Get up to 9.5% off your first-year premium. T&Cs apply.
  • Earn up to an extra $6,000 RewardCash. T&Cs 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:

  • Get 6-month premium waiver on first-year premium. T&Cs apply.
  • Earn up to an extra $6,000 RewardCash. T&Cs apply.
Couple are riding motor cycle in excitement; image used for HSBC EarlyIncome Deferred Annuity Plan.

Savings | Retirement income | Child education | Tax deductible

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 HKD10,2008 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:

  • Get up to 9% off your first-year premium. T&Cs apply.
  • Earn up to an extra $6,000 RewardCash. T&Cs apply.
Keung To from Mirror is running with a kid in the front, the father of the kid is following behind them; image used for HSBC Health Goal Insurance Plan.

Medical & critical illness | Savings | Retirement income

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.9 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:

  • Get up to 18% off your first-year premium. T&Cs apply.
  • Earn up to an extra $6,000 RewardCash. T&Cs 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 an extra $6,000 RewardCash. T&Cs apply.
Man and woman running; image used for HSBC VHIS Standard Plan.

Medical & critical illness | Tax deductible

HSBC VHIS Standard Plan

A medical insurance plan certified under the Voluntary Health Insurance Scheme5 that gives you and your loved ones essential medical coverage, including access to quality medical care at private healthcare services.

  • Eligible for tax deduction of up to HKD 8000 per insured person6

  • Guaranteed policy renewal up to age 100

  • Cover against unknown pre-existing conditions10

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

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

Limited time offers:

  • Earn up to an extra $6,000 RewardCash. T&Cs apply.
family on yacht

Savings | Retirement income

HSBC Ultra Wealth Goal Insurance Plan

A single premium whole life insurance plan designed for those who want to enrich their wealth with long-term growth potential.

  • Potential long-term capital growth with a guaranteed cash value at 85% of the premium you paid during the early years

  • The flexibility to lock in a portion of your policy value

  • The option to transfer your policy coverage to loved ones

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

Limited time offers:

  • Get up to 10% off your first-year premium. T&Cs apply.
Chinese tea; image used for HSBC Paramount Global Life Insurance Plan;

Life protection | Legacy Planning

HSBC Paramount Global Life Insurance Plan

An insurance plan that helps fulfil your protection legacy planning needs.

  • Pass your coverage on to your loved ones

  • Choose from flexible death benefit settlement options

  • Get life protection and increase your savings

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

Limited time offers:

  • Get up to 20% off your first-year premium. T&Cs apply. 
Father and daughter playing guitar; image used for HSBC Goal Access Life Education Plan .

Child 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 an extra $6,000 RewardCash. T&Cs apply.

Speak with us via video-enabled meeting

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

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

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.

For HSBC Jade and Premier customers, you can contact your Relationship Manager directly.

Find out how to set up a video-enabled meeting and the points to note before the meeting.
Hotline is available Monday to Friday from 11:00am to 7:30pm except public holidays.

LIFE Talk

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

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.

  Log on to Personal Internet Banking About Personal Internet Banking This link will open in a new window
  Learn more about managing your policy About Manage your insurance policy

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).

  Learn more For Make a claim

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A father helps his son brushing his teeth; image used for HSBC Medical Insurance.

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Home Contents Insurance

 

Find the right insurance plan no matter if you're a homeowner, landlord or tenant. Get covered for up to HKD2 million on your household contents and your home.

Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

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Travel Insurance

 

Explore the world knowing you're fully covered by one of the comprehensive travel insurance policies.

Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

End Notes  

  1. Based on the sum insured of HKD100,000 of a non-smoking male who is 19 years old11 at his next birthday, with 5-year premium payment period,  (annual premium payments).  The figure is calculated by annual premium divided by 365, subject to rounding adjustment.
  2. The total premiums paid refers to the total amount of premiums due and paid for the basic plan as of the policy termination date subject to the terms of the policy. It is for the calculation of the death benefit and net cash value. It excludes any aggregate premium balance and non-guaranteed interest accumulated under the policy unless and until such part of the premium is actually due and paid on that date.
  3. Based on a policy with a sum insured of HKD1,000,000 which covers the life of a non-smoking female who is 19 years old without adding any additional benefits. 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.
  4. Additional benefits are subject to additional premium.
  5. 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.
  6. 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 or seek independent tax advice.
  7. 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.
  8. 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.
  9. 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.
  10. Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is the earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where - (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. The HSBC Life may impose case-based exclusion(s) to the pre-existing condition(s) notified to HSBC Life in the application for the plan and any subsequent information or document submitted to HSBC Life for the purpose of the application. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Please refer to the policy provisions for the full terms and conditions.
  11. The age refers to the age the insured person will be on their next birthday.

*To borrow or not to borrow? Borrow only if you can repay!

#applicable to customers without any new HSBC life policy application from 1 October 2019 to 30 September 2022. T&Cs apply.

Disclaimer 

The insurance products 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.

The above products are products of HSBC Life but not the Bank and they are intended only for sale in the Hong Kong SAR. HSBC Life 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 and you directly.

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