Health Goal Insurance Plan | Whole Life Insurance

HSBC HK
Insurance
Savings and retirement
Health Goal Insurance Plan

One plan to safeguard your health and wealth

Our Health Goal Insurance Plan promotes long-term wealth growth with potential returns up to 4% p.a.[@potentialreturn] It also offers protection against 3 major critical illnesses including cancer, heart disease and stroke—any critical illness claims you make will not affect your policy value.

What's best for your insurance needs? Get tailored guidance from our Insurance Specialists today.

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Key benefits

Accumulate your wealth

Get long-term wealth growth with potential returns of up to 4% p.a.[@potentialreturn] and the option to lock in part of your prevailing policy value with the Policy Value Management Option[@policylockin]

3 times the critical illness benefits

Receive an extra lump-sum payment up to 3 times (once per disease) if you're diagnosed with cancer, heart disease or stroke[@criticalillnessbenefits] before age[@birthdaydefinition] 80—without any change to your policy value

Option to transfer your benefits

Extend a gift by transferring the coverage of your policy to your loved ones, up to 3 times[@criticalillnessbenefitstransfer]

Special offers— Enjoy up to 11.5% off

Enjoy up to 11.5% off your first year's premium. Offer ends 30 September 2023. T&Cs apply.

Global medical care services

Get world-class medical care

Get personalised care and medical consultation services for cancer, stroke and heart disease from Harvard-level experts at top-ranked hospitals in the US.

Learn more about the service[@pgh]^{Footnote link 8, pgh}.

Note: Preferred Global Health ("PGH") is the service supplier of the global medical care services. Eligibility and scope of service is subject to the terms and conditions specified by PGH. HSBC Life (International) Limited does not accept any liability relating to the service supplier. The services are value-added services provided by PGH while this policy is effective. It is your or the insured person's responsibility to pay for all treatment, medical and related costs or expenses incurred, whether directly or indirectly from receiving the services.

How to apply

Eligibility

To apply for our Health Goal Insurance Plan, you'll need to meet both of these requirements:

the insured person is aged[@birthdaydefinition] between 15 days and 65 years, depending on the premium payment terms you select
meet our criteria for nationality (country/region/territory), address and residency—which are subject to change from time to time

The HSBC Health Goal Insurance Plan is a whole life insurance plan with a savings element underwritten by HSBC Life (International) Limited ("HSBC Life"). It is not equivalent or similar to a bank deposit. Policyholders are subject to HSBC Life's credit risk and early surrender loss.

Useful documents

Talk with us

Get personalised support from our Insurance Specialists. Book a face-to-face appointment or meet with us over video.

Book an appointment This link will open in a new window

Or call us on (852) 2233 3130. Lines are open 11:00am to 7:30pm, Mondays to Fridays except public holidays.

HSBC Jade or Premier customer?

Contact your Jade Director or Relationship Manager. HSBC Premier customers can also call us on (852) 2233 3322.

Find out more

Policy summary
Policy summary	Key coverage
Premium payment period / issue age[@birthdaydefinition]	Single premium / 3 years: 15 days after birth to age 65 5 years: 15 days after birth to age 60 10 years: 15 days after birth to age 55
Policy term	Up to age[@birthdaydefinition] 99
Policy currency	USD
Payment mode	Pay in a single premium, annually or monthly[@paymentmode2]

Policy summary
Policy summary	Premium payment period / issue age[@birthdaydefinition]
Key coverage	Single premium / 3 years: 15 days after birth to age 65 5 years: 15 days after birth to age 60 10 years: 15 days after birth to age 55

Policy summary	Policy term
Key coverage	Up to age[@birthdaydefinition] 99

Policy summary	Policy currency
Key coverage	USD

Policy summary	Payment mode
Key coverage	Pay in a single premium, annually or monthly[@paymentmode2]

These additional benefits will be included in the policy at no extra cost.

Receive death benefit payout in advance if diagnosed with terminal illness[@terminalillnessbenefit]
If the insured person is diagnosed with a terminal illness[@terminalillnessbenefit] before age[@birthdaydefinition] 65, you will get the death benefit paid in advance.
Pause premium payments if you're unemployed
If you are unemployed for at least 30 consecutive days before the age[@birthdaydefinition] of 65, our unemployment benefit[@unemploymentbenefitHGIP] gives you an extended grace period of up to 365 days on your premium payments without affecting the insured person's full protection under the policy.

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HSBC Wealth Goal Insurance Plan II

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HSBC VHIS Flexi Plan

A voluntary health insurance plan offering full coverage[@fullcoverage] on medical expenses, annual benefits of HKD5 million or more, and tax savings—available online

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Notes

HSBC Health Goal Insurance Plan is a whole life insurance plan with a 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. It is not a bank deposit or bank savings plan. 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 agency of HSBC Life for the distribution of life insurance products in the Hong Kong Special Administrative Region. This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid. 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.

HSBC Health Goal Insurance Plan