Cancer is one of the most common critical illnesses in Hong Kong with new cases rising at an alarming rate*. Be prepared with a combined Cancer and Life Insurance Policy from HSBC Life.
HSBC Cancer Term Protector provides you additional financial resources should you get Cancer or pays your family in the unfortunate event that you pass away.
This is a term life insurance plan with no savings element underwritten by HSBC Life (International) Limited.
*Source: Overview of Hong Kong Cancer Statistics of 2014, Hong Kong Cancer Registry, Hospital Authority.
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For every HSBC Cancer Term Protector purchased, HSBC Life (International) Limited will contribute HKD100 to Hong Kong Cancer Fund. Learn more.
Please consult and seek professional advice when you have doubt about the definitions before proceeding the application.
For product features, please refer to Product Summary in Product Brochure [PDF].
For full terms and conditions, please refer to Policy Provisions [PDF].
HSBC Cancer Term Protector is only available to you if you hold a HSBC Hong Kong bank account or a HSBC Hong Kong credit card.
You must also be between the Age4 of 19 and 60 and have a Hong Kong Identity Card.
There may be additional nationality and / or residence requirements applied from time to time.
For detailed product features and product risks, please refer to the Product Brochure [PDF].
For detailed terms and conditions, please refer to the Policy Provisions [PDF].
We cannot pay you Death Benefit5 if:
We cannot pay you a Living Benefit if:
- any Pre-existing Condition*;
- intoxicated by drugs not prescribed by a registered medical practitioner; or
- alcohol abuse.
*Pre-existing Condition means any conditions or illness:
All the information you need in one place
See product features, product risks and Cancellation right at cooling off period in the Product Brochure.
See Terms and Conditions in Policy Provisions.
It's easy to:
- review your policy details
- change your payment instructions
Sometimes life doesn’t go according to plan:
For Death Benefit5
- The Death Benefit will only be paid after we have received satisfactory written proof of the validity of claim
- Proof must be provided in the form of medical report from a registered medical practitioner
- We reserve the right to require an examination or other reasonable and appropriate tests to confirm the occurrence of the Cancer2, CIS2 or Early Stage Cancer2. This will be at the cost of the Policyholder.
- Where a claim is made in reliance on the HIV Due to Blood Transfusion and Occupationally Acquired HIV exception, the claimant must also satisfy additional notice and documentary proof requirements.
You insure your most treasured possessions so why not insure yourself in order to protect your family’s future plans? HSBC Term Protector is a pure and simple life insurance product that is cost effective and can be applied online, in minutes, with no medical examination required.
HSBC Term Protector is a term life insurance plan with no savings element, which is underwritten by HSBC Life (International) Limited. It is not equivalent or similar to any kind of deposit.
HSBC Comprehensive Critical Illness Protection Plan provides critical illness benefits protection under both Base Critical Illness Benefit and Multiple Critical Illness Benefit, allowing claims for Critical Illness of up to 200% of the Sum Insured for each of the two illness groups (Cancer Illness Group and Non-Cancer Illness Group).
Note: HSBC Comprehensive Critical Illness Protection Plan is not equivalent or similar to any kind of deposit.
Give your family security. Build up a cash sum and cover yourself, with our whole-of-life insurance plan with a savings element.
Note: WholeLife Protection Plan is not equivalent or similar to any kind of deposit.
2 Please refer to Policy Provisions for the definitions and exclusions of Cancer, CIS and Early Stage Cancer. To be eligible for such benefit, the diagnosis must cover certain organ groups and certain classifications and subject to exclusions.
3 The total Sum Insured shall not exceed HK$2,500,000 (for Life Insured aged4 50 or below) or HK$1,250,000 (for Life Insured aged4 above 50). The Company reserves the right to accept or reject any applications for the Plan based on the information provided by the Life Insured and / or Policyholder during application.
7 For Death Benefit, the payment is subject to deduction of any outstanding premiums and any benefits you have already received for Early Stage Cancer or CIS under this Plan. For Cancer Benefit, the payment is subject to payment of any outstanding premium and deduction of benefits you have already received for Early Stage Cancer or CIS under this Plan.
HSBC Life (International) Limited ("the Company") is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.
HSBC Cancer Term Protector is underwritten by the Company which is authorised and regulated by the Insurance Authority (IA) to carry on long-term insurance business in the Hong Kong SAR.
The Hongkong and Shanghai Banking Corporation Limited (referred to as "HSBC") is an insurance agent authorised by the Company. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.
Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
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 the Company and you directly.
Please refer to the respective Product Brochure for detailed features and the Policy Provisions for the detailed terms and conditions.