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Two men doing sports in the square,image used for HSBC Family Protector.

HSBC Family Protector

Enjoy a 6-month premium waiver with our promo code "6MHFRE", and 1 extra month of premium waiver for every additional benefit you add!

Get insured to protect your loved ones and show that you really care! Our HSBC Family Protector offers life protection and flexible options of additional benefits to meet your needs.

Show your care with a protection plan

  • HKD1,000,000 life coverage for less than HKD 2 a day2 – no medical examinations needed

  • Up to 4 additional benefits of your choice on accidental death, critical illness, cancer, child protection, hospital cash, with a total of 84 combinations to choose from!

  • Premium for your coverage is payable on a monthly basis and guaranteed fixed every 10- year period, for both basic plan and additional benefits3

  • Easy online application with simple steps

If you4 pass away while being covered by this plan, your beneficiaries5 will receive a lump sum cash payment equal to the coverage amount of your policy.Find out more about our beneficiary definitions.

HSBC Family Protector, which comprises the basic plan and any additional benefits of your choice, is a term life insurance plan with no savings element underwritten by HSBC Life (International) Limited. The plan aims to fulfil your need for financial protection against mishaps such as death, and for health care needs to prepare for situations such as critical illness or hospitalisation. It is not a bank deposit or bank savings plan.

  • Get 6-month premium waiver with "6MHFRE"

Plus, get an extra 1-month waiver for every additional benefit you add  – bringing your total waiver up to 10 months!

T&C apply.

Add medical and accidental death coverage of your choice

Critical illness benefit of HKD1,500,000 coverage with premiums as low as HKD1.7710 per day.

Did you know? Over 50% of deaths in Hong Kong are caused by illnesses related to cancer, heart disease and stroke in 201711, the medical expenses of which can lead to unexpected financial burdens on you and your family.

The doctor sitting on hospital bed and discussing with patient; image used for Critical illness benefit.

Our critical illness & cancer protection helps you prepare for your medical needs in the event of critical illness or cancer. Details of the benefit:

  • 2 options of additional benefits, the cancer benefit to offer protection against cancer or the critical illness benefit to offer protection against cancer, heart disease and stroke
  • 3 levels of coverage, HKD500,000, HKD1,000,000 or HKD1,500,000
  • Premium for your coverage is payable on a monthly basis and guaranteed fixed every 10- year period3
  • Coverage can be up to age 80 whilst your monthly premium is met

This is only a general summary. For more details and a full list of exclusions, please refer to our Critical Illness Benefit Policy Provisions and Cancer Benefit Policy Provisions. Chat with us using our Live Chat9 service if you have any questions about the coverage and quotes of the additional benefits.

Complimentary special benefits for COVID-19. See details>

Earn an Apple Watch or RewardCash

With HSBC Family Protector, you can join HSBC Life Well+, our 24-month wellness reward programme, and earn an Apple Watch^ or up to $1,200 RewardCash.

-- Apple Watch Series 7 and new SE models are offered here now!

Join now and earn an extra $500 RewardCash!

See details 

T&Cs apply.

See how people around you are being protected

The stories are illustrative examples and for reference only.

Instant protection in 3 steps

Step 1: Select the amount of life coverage from HKD1,000,000 to HKD7,000,000 according to your needs.

Step 2: Select up to 4 additional benefits to extend the protection for you and your family.

Step 3: Answer a few questions to tell us about your health conditions and personal details.

Are you eligible?

Here's a checklist to see if you can apply. You'll need to:

  • be aged17 between 19 and 60 and
  • hold an existing HSBC HKD bank account or HKD credit card and
  • apply with the HKID you've used to open your HSBC account

 

How to open an HSBC bank account online with your mobile? See details

Please note, this plan is subject to eligibility restrictions on addresses in US, mainland China and Japan.

Please ensure that you can afford the total amount of premiums and relevant levy for the entire payment term of your basic plan and any additional benefits of your choice, and you will not be refunded the premiums paid if you surrender your policy.

Neither this plan nor any of its additional benefits have any cash or surrender value. Unless you exercise your cancellation right within the cooling-off period, you will not be able to access any funds from your policy by terminating or surrendering it. You should seek source from other sources of liquid assets or cash to meet your present or future liquidity needs.

Frequently asked questions (FAQs)

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Keung To from Mirror takes photos with a father and his daughter on the swan boat; image used for HSBC Family Goal Insurance Plan.
 
Ballet Daddy measuring height; image used for HSBC Family Goal Insurance Plan.

3-in-1 solution with enhanced protection for the first 20 years , offering life protection, untapped savings appreciation, cancer benefit covering your children*.

T&Cs apply.


*The cancer benefit is applicable to the first 20 policy years. Only one claim can be made by either the life insured or his or her child aged below 18 under this coverage.

Father and son on grass; image used for HSBC Goal Access Universal Life Protection Plan.
 

Provides protection and saving features, plus the flexibility to adjust the sum insured to fit your changing needs at different stages of your life.

T&Cs apply.

Father and daughter are dancing ballet; image used for HSBC Life Insurance page.
 

Explore the list of our selection of life protection plans.

The above plans are life insurance plan underwritten by HSBC Life (International) Limited. Policyholders are subject to the credit risk of HSBC Life and early surrender loss.

Manage your policy

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) 3128 0122 who will assist you in preparing your relevant claim request(s).

# 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.

The total sum insured of all the pending and in-force applications or policies issued under HSBC Life (International) Limited ('HSBC Life') for each life insured subject to the simplified underwriting requirements shall not exceed HKD7,000,000 (for life insured aged 50 or below) or HKD3,500,000 (for life insured aged 51 or above). Please note, age refers to the age you'll be on your next birthday. The death benefit equals to the sum insured less outstanding premiums (if any). HSBC Life reserves the right to accept or reject any applications for the plan based on the information provided by the life insured during their application.

2 Based on the sum insured of HKD1,000,000 of a non-smoking female who is 19 years old. 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. 

3 Your HSBC Family Protector total monthly premiums, including the basic plan and additional benefits, will stay the same for the first 10 years, then the premiums will be adjusted every 10 years until your policy ends or until you reach the age of 80 - regardless of how the state of your health changes. Coverage can be up to age 80 with regular monthly premium payment. Please note, age refers to the age you'll be on your next birthday.

4 'You' refers to the life insured of the basic plan.

5 If any of your nominated beneficiaries fall under the relationship status of grandchildren, grandparents, stepchildren, step parents, step brother, step sister, cohabiting or non-cohabiting partner, you’ll be required to submit the relevant declaration or documents as proof of an insurable relationship between the life insured and the nominated beneficiaries. Please refer to the relevant declaration form for nominating a non-cohabiting partner or the form for all other relationships listed. For more information and requirements you can also visit our 'Love Bonds Us All' page.

All your biological, step or legally adopted children who are aged 15 days to 18 years old. Age refers to the age your child will be on his or her next birthday.

Childhood Cancer Facts and Figures, Children's Cancer Foundation

8 Disability' or 'disabilities' shall mean injury, sickness, disease or illness and shall include all diabilities arising from the same cause including any and all complications arising therefrom, except that where after 90 days following the latest medical treatment or consultation no further treatment for the said disability is required, any subsequent disability from the same cause shall be considered a separate disability.

9 Live Chat is available from 10:30am to 10pm, Monday to Friday (except public holidays).

10 Based on the protection amount of HKD1,500,000 for the critical illness benefit of a non-smoking female who is 19 years old. 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.

11 Leading Cause of all Deaths in 2017, HealthyHK, Department of Health HKSAR.

12 Based on the protection amount of HKD1,600 per day of a 19-year-old female. 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.

13 The daily room rates range of a standard 5-bed room to a semi-private double room at the Hong Kong Adventist Hospital, as of June 2020. Room Rates / Deposit, Hong Kong Adventist Hospital

14 You'll receive half of the daily cash payments if you're hospitalised in mainland China.

15 Based on the basic plan sum insured of HKD7,000,000 of a 19-year-old female. The benefit payable for the accidental death benefit is an additional 50% of the basic plan sum insured, which is HKD3,500,000. 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.

16 The Mortality Trend in Hong Kong, 1986 to 2018, Hong Kong Monthly Digest of Statistics [November 2019]

17 Age refers to the age you'll be on your next birthday.

^By choosing an Apple Watch as your reward, you will be committing to a 24-month interest-free instalment plan via your HSBC credit card. To borrow or not to borrow? Borrow only if you can repay!

HSBC Family Protector, including the basic plan and the additional benefits of your choice, is underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent authorised by HSBC Life. This product is a product of HSBC Life but not HSBC and it is intended only for sale through HSBC in the Hong Kong SAR. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between HSBC and you out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between HSBC Life and you directly.