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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

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

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.

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

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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Member Get Member Promotion

Register to be a Referrer and get 1 night Peninsula stay for two persons 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.

A man happily holding two pictures,Image used for first-year premium discount;

Up to 65% off on first-year premium discount

Apply for both VHIS Flexi plan and selected life insurance plan to get up to 65% off your first-year premium on VHIS Flexi Plan and enjoy potential tax deduction. Offer ends 31 December 2020.

T&C apply.

Father and daughter are cooking happily,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).
Two men are playing magic tricks with coins; image used for HSBC Wealth Goal Insurance Plan II.
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% 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 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.
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 $10,200 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 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.
Savings | Retirement income | Child education

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.
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:

  • 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.
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 HKD10,200 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 31 Dec 2020 to get up to 13% off your first-year premium. 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
Family are playing doguno;image used for HSBC Health Goal Insurance Plan.
Medical & critical illness | Savings | Life protection | 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.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 31 Dec 2020 to get up to 10% off your first-year premium. T&C apply.
Ballet Daddy measuring height; 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:

  • 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.
Yoga at home; image used for HSBC VHIS Flexi Plan.
Medical & critical illness | Tax deductible

HSBC VHIS Flexi Plan

A medical insurance plan certified under the Voluntary Health Insurance Scheme7 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 person7
  • 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.
  • 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.T&C apply.
  • 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. T&C 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 Scheme7 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 person8
  • Guaranteed policy renewal up to age 100
  • Cover against unknown pre-existing conditions9
Underwritten by HSBC Life (International) Limited. T&C apply.

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

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

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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This link will open in a new window

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).

You may also be interested in

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

Your health is one of your most important assets. Take good care of it with our flexible health plans for you and your family.

Doctor and patient; image used for HSBC FirstCare Plus Insurance.
 

100% coverage at AXA Signature Network of hospitals. Plus, enjoy a 10% annual discount on FirstCare Plus when you apply online for family coverage.

Overall annual benefit limit of up to HKD5 million depends on plan option. T&Cs apply.

A little girl is doing graffiti; image used for HSBC ResidenceSurance.
 

Look after the things you treasure most. Our home insurance can suit your needs and fully guard you against the unexpected.

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. Additional benefits are subject to additional premium.
  7. 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.
  8. 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.
  9. 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.

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.