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HSBC Cancer Term Protector

Enjoy extra peace of mind with our life and cancer protection plan

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.

Key features

  • A choice of coverage up to HKD2,500,0003
  • If you get Early Stage Cancer2 or Carcinoma-in-situ (‘CIS’)2, access up to 20% of your Sum Insured and pay no more premiums
  • If you get Cancer2,5 or pass away5, 100% of your Sum Insured will be paid7
  • Premium payments are fixed for the first 10 years and will be adjusted every 10 policy years
  • Life cover up to age6 of 80
  • Get a quote and apply online in less than 5 minutes

Read the Major Exclusions

For more details, please refer to Product Brochure [PDF]

Special Offer

Get 2 months premium waiver by entering promo code FREE2M#

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

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Cancer prevention, treatments and survivorship. Learn more.

For every HSBC Cancer Term Protector purchased, HSBC Life (International) Limited will contribute HKD100 to Hong Kong Cancer Fund. Learn more.

Successfully apply HSBC Cancer Term Protector to enjoy ONEdna Hereditary Cancer Screening. Terms and conditions apply. Learn more.

Summary of cover

What’s included?

 

Coverage amount

Select from HKD250,000 to HKD2,500,0002 or HKD1,250,0002 as your Sum Insured.

 

Cancer2,5 and Death Benefit5

Get 100% of the Sum Insured if you get Cancer7,8 or if you pass away7,8.

 

Early access

Access up to 20% of the Sum Insured if you get Early Stage Cancer or Carcinoma-in-situ (‘CIS’)2,8.

 

Premium Waiver

Pay no more premiums if you get Cancer2, Early Stage Cancer2 or CIS2.

 

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].

Eligibility

Am I eligible?

 

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].

Major exclusions

Unfortunately we can't cover you for:

 

We cannot pay you Death Benefit5 if:

  • you commit suicide in the first year

 

We cannot pay you a Living Benefit if:

  • you get Cancer2, Carcinoma-in-situ (‘CIS’) or Early Stage Cancer2 in the first 90 days of policy issuance
  • the Human Immunodeficiency Virus (‘HIV’) is found in your body
  • Cancer2, CIS2 or Early Stage Cancer2 is related to:

- any Pre-existing Condition*;

- intoxicated by drugs not prescribed by a registered medical practitioner; or

- alcohol abuse.

  • the diagnosed cancer falls within certain types of tumour (e.g. benign tumour) or classifications or organ groups
  • the diagnosed CIS or Early Stage Cancer does not fall within certain organ groups or classifications

 

Please click here [PDF] for the full list of exclusions extracted from Policy Provisions or Policy Provisions for more details.

 

*Pre-existing Condition means any conditions or illness:

  • which existed or was existing; or
  • where its cause existed or was existing; or
  • where the Life Insured had knowledge, signs or symptoms of the condition or illness; or
  • where any laboratory or investigation showed the likely presence of the condition or illness.

Policy documents

All the information you need in one place

 

HSBC Cancer Term Protector Product Brochure

See product features, product risks and Cancellation right at cooling off period in the Product Brochure.

HSBC Cancer Term Protector Policy Provisions

See Terms and Conditions in Policy Provisions.

Manage your policy

Manage your policy online

It's easy to:

- review your policy details

- change your payment instructions

Make a claim

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

 

For Cancer2, Early Stage Cancer2 and Carcinoma-in-situ (‘CIS’)2 Benefits

- A claim must be made within ninety (90) days of becoming aware of the Cancer2, CIS2 or Early Stage Cancer2

- 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.

Related products

 

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.

1 HSBC Cancer Term Protector is a term life protection plan with no savings element and it is not equivalent 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.

4 Age means your age at your next birthday.

5 Policyholder / Beneficiary(ies) can only receive either ‘Death Benefit’ or ‘Cancer Benefit’.

6 The policy anniversary at which you reach the specified age based on age at next birthday.

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.

8 You will receive one payment in case of either event, not on each event.

 

Disclaimers

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.