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HSBC Swift Save Insurance Plan

Apply online and get a guaranteed return of up to 2.5% p.a. in 3 years

Get guaranteed returns of up to 2.5% p.a. in 3 years. Limited quota.

Enjoy guaranteed returns of up to 2.5% p.a.

Our HSBC Swift Save Insurance Plan can help you get closer to reaching your short-term saving goals, while keeping your loved ones protected.

  • Guaranteed annual returns

    At the end of 3 years, you'll get a guaranteed annual return1 of up to 2.5% in GBP – a first in market GBP endowment insurance plan!2

  • Flexible payment options

    Pay over 2 years, in a lump sum3, annually or monthly

  • Life protection for your loved ones

    Your loved ones will be protected during your policy term

HSBC Swift Save Insurance Plan is a life insurance plan with a savings element underwritten by HSBC Life (International) Limited ("HSBC Life"). It is not a bank deposit or bank savings plan. Policyholders are subject to HSBC Life's credit risk. In the case that you have to surrender your policy in the early years, you may receive an amount significantly less than the premiums paid.

Limited quota

You'll need to be registered for online banking to apply.

Got a question?

For detailed product features and product risks, including the policy currency risks and liquidity risks, please refer to the product brochure. For detailed terms and conditions, please refer to the policy provisions and the supplementary benefits provisions.    

Learn more about building your financial future

Are you eligible?

To apply, you need to:

  • be aged8 between 19 and 75 years old
  • hold an existing HSBC HKD bank account
  • meet our requirements for nationality, address and residency ( these can be subject to change at the time of your application)
  • be registered for online banking

Not yet registered? Register for online banking

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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).

1 Guaranteed annual return may vary with different policy currencies, payment modes, payment terms and policy terms. For details of what constitutes the maturity benefit (the amount you'll get at the end of the policy term), please refer to the product brochure.

2 Based on comparison with other endowment plans that are publicly offered to individual customers by few major life insurance companies in Hong Kong as of 11 Apr 2021.

3 The lump sum contribution refers to the aggregate premium payment option, which allows you to pre-pay the required premiums at a discount. The required annual premium will then be deducted from the aggregate premium balance on the relevant premium due dates. The balance of the aggregate premium after deducting the annual premium on the relevant premium due dates will be accumulated at an interest rate (which shall be determined by HSBC Life (International) Limited ), which is not guaranteed and may be changed by HSBC Life (International) Limited (at its discretion) from time to time.

4 The additional accidental death benefit will terminate at the end of the policy term, on the policy anniversary at which you're aged 80, when such benefit is paid out or when your policy is terminated, whichever is earliest. Your policy will terminate when the additional accidental death benefit is paid out. Age refers to the age you'll be on your next birthday.

5 Total premiums paid refers to the total amount of premiums due for the basic plan (whether they have been actually paid or not) before discount, if applicable, is applied. If the required premiums are pre-paid, the balance of the pre-paid premiums will not be counted as the total premiums paid until such part of the premium is due.

6 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.

7 The terminal illness benefit is applicable to any life insured aged between 19 and 64. The terminal illness benefit will terminate at the end of the policy term, or on the policy anniversary at which you're aged 65, whichever is earlier. Your policy will terminate if the terminal illness benefit is claimed. Age refers to the age you'll be on your next birthday.

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

9 The unemployment benefit is applicable to any policyholder aged between 19 and 64 who holds a Hong Kong Identity Card. The unemployment benefit is not available if the aggregate premium payment option has been chosen. The unemployment benefit will terminate on the policy anniversary at which you're aged 65, all due premiums have been paid or when your policy is terminated, whichever is the earliest. Age refers to the age you'll be on your next birthday.

10Annualised rate of return at maturity are rounded to the nearest 2 decimal places.

11HSBC GBA Wealth Management Connect Investment Account is not eligible as your payment account for the HSBC Swift Save Insurance Plan. If you choose the monthly payment option, you can only pay with your HSBC HKD bank account. If your payment currency is different from your policy currency, any exchange rate fluctuation may affect your premium and levy payment amounts.

12Premium amount is rounded off to the nearest integer.

13Maturity benefit refers to the amount that will be received at maturity when the life insured is still alive and is not equal to death benefit.

HSBC Swift Save Insurance Plan is a life insurance plan with savings element 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 respective 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 (referred to as "HSBC") is 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 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.

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.

In the case that you have to surrender your policy in the early years, you may receive an amount significantly less than the premiums paid. If you have chosen the aggregate premium payment option4, HSBC Life will apply a surrender charge on the balance of the pre-paid premiums4 together with interest accumulated upon the surrender of your policy. Please refer to the policy provisions for details of the surrender charge.