Bad days happen. Are you prepared?
Sometimes we get bad news and when that happens, having the right protection in place can make handling that news a little easier, so you can focus on getting the right help.
With HSBC Cancer Term Protector, you can get covered for up to HKD2.5 million to help pay for medical expenses or to protect your loved ones if the worst happens.
Protection and peace of mind start from as little as HKD5 per day9.
Read the Major Exclusions
For more details, please refer to Product Brochure [PDF]
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![Three girls wearing pink shirts are chatting ; image used for the High-Risk Breast Surveillance Programme sponsored by HSBC Life.](/content/dam/hsbc/hk/images/insurance/life/16-9/three-girls-chatting.jpg)
Sponsored by HSBC Life, the High-Risk Breast Surveillance Programme offers free breast examination to genetic mutation carriers of low and middle income groups. Learn more.
![](/content/dam/hsbc/hk/images/insurance/life/cancer-protector/lab.jpg)
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 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).
Related products
HSBC Term Protector
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
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.
WholeLife Protection Plan
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.