HSBC Health Goal Insurance Plan

A life insurance plan with potential wealth appreciation and protection against 3 major critical illnesses

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.

Book an appointment

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 10% off

Enjoy up to 10% off your first-year premium, plus an additional 1.5% off for select customers. T&Cs apply (PDF).
Enjoy preferential interest rate on time deposit when you successfully apply for this plan. T&Cs apply (PDF).

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

HSBC One customer

Have questions about insurance or future planning? HSBC One’s dedicated Life Planning Advisors can offer you one-to-one support, either via video call or in person, to answer any questions you have and help you plan ahead.

Book an appointment This link will open in a new window

Not an HSBC bank account holder yet? Open an account now via HSBC HK App.

HSBC Premier Elite or Premier customer?

Contact your Premier Elite 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.

This plan offers five Death Benefit Settlement Options[@insurance-death-benefit]. You can arrange to have the death benefit paid to beneficiaries listed in your policy, in one of the following ways:

a lump sum payment; or
annual or monthly instalments paid over 10, 20 or 30 years; or
first payment in a lump sum, followed by annual or monthly instalments over the tenor (2 to 30 years) chosen by you; or
annual or monthly instalments until the designated actual age (must be attained age of 18 years old or above) of the designated beneficiary(ies) specified by you, followed by a lump sum payment of the balance; or
increasing payment by instalments (2 to 30 years) on an annual or a monthly basis, increasing at the designated default rate (3%, 5% or 10% per annum).

You can use this calculator to see how your death benefits may be paid over time, based on your preferences. Try it now.

For more details, please refer to the product brochure.

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

One plan to safeguard your health and wealth

Key benefits

Accumulate your wealth

3 times the critical illness benefits

Option to transfer your benefits

Special offers — Enjoy up to 10% off

How to apply

Eligibility

Useful documents

Talk with us

HSBC One customer

HSBC Premier Elite or Premier customer?

Find out more

Can you summarise the plan for me?

Are any additional benefits included in this policy?

How will the death benefit be settled?

You may also be interested in

HSBC Bright Income Insurance Plan

HSBC Wealth Goal Insurance Plan III

HSBC VHIS Flexi Plan

Your policy at your fingertips

Notes

Disclaimer