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Cover for the unexpected

When you choose from the following insurance plans you can relax knowing that you, your family, your home and more are covered if the unexpected occurs. The following plans can also be tailored to your needs so you’ll have the right support when you need it most.

Travel Insurance

Whether you are a regular traveller or not, our travel insurance gives you freedom to explore the world, confident that you and your family are fully covered.

Apply for MultiTrip TravelSurance online by 14 September 2018 to get:

  • 25% off your first year’s premium
  • A HKD25 Starbucks gift voucher when you buy via Personal Internet Bankingwith the promo code “STAR84”

Terms and Conditions apply. [Click here for details]

Apply for Single Trip TravelSurance by 14 September 2018 to get 10% off.

Car Insurance

Drive with confidence knowing our comprehensive car insurance will cover you and protect against any third party, legal liabilities in the event of a traffic accident.

Home and Helper Insurance

Enjoy life knowing your most treasured possessions are covered by our home and fire insurance, which you can tailor to your needs.

Be a responsible employer and enjoy peace of mind knowing your domestic helper is covered for sickness or injury, and you have employer’s liability cover.

Medical Insurance

Your health is one of your most important assets. Take good care of it with our flexible health plans for you and your family.

Personal Accident Insurance

Don’t let an accident affect your plans. This insurance will provide a cash lump sum and pay towards medical expenses for your family’s financial security.

Life Insurance

HSBC Life (International) Limited offers a range of life insurance products to meet your protection, wealth accumulation, retirement and children’s education needs.

Make a claim

Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible. View more information on how you can make a claim.

Manage your policy

At HSBC, we understand life never stands still. Which is why you can make changes to your policy online anytime

Insurance goes hand in hand with risk. Everything you do in life involves some sort of risk. Every day you take risks crossing the road, walking past construction sites and breathing polluted air.

The possibilities for risk are endless, so it's wise to have some kind of medical or life insurance. If you have a family, it is in your interest to protect them.

There are insurance policies that cover just about every risk you can think of, both physical and financial. Considering the benefits available, with proper planning and arrangement the costs you pay can be very reasonable.

The best way to start is to plan what you require by taking into account all the risks involved in your life.

The things you need to protect or to be protected against in life can be divided into three basic categories:

  1. 1. Personal protection. This means protection for yourself and your family. You may need insurance for:
    • Death and disability
    • Medical and health
    • Personal and family income

  2. 2. Property and assets. You need to protect the things you own, such as:
    • Your home
    • Household contents
    • Personal belongings
    • Money and valuables

  3. 3. Liability. If by chance you are held responsible for a negligent act, you may be legally liable to pay damages. So you may need to be covered for:
    • Your employees (including domestic helpers)
    • Your tenants, if you're a landlord
    • Your rented flat, if you're a tenant
    • Personal and general risks

Your assets are your most valuable possessions. They would cost money to replace if they were lost, damaged or stolen. The insurance plans available to protect your assets include:

Property insurance. This protects you against losses arising from damage to your home caused by such things as typhoons, earthquakes, landslides and gas-leak explosions. If you have a mortgage on your home, this type of insurance is compulsory.

Home insurance. This refers to your household belongings, such as furniture, appliances, cameras, computers, jewellery, ornaments, paintings and even the food in your freezer. Most policies also cover your belongings even when they're not in the home, for example, when you take your camera on holiday or wear your jewellery to a party. Some policies also cover personal accident and loss or damage during the decoration or refurbishment of your home.

Travel insurance. This covers you for most of the risks inherent in traveling abroad. Most policies cover personal accident and liability, and loss and theft of your belongings, money and credit cards. Some policies even cover the delay in the arrival of your baggage and extra expenses if your flight is cancelled or delayed. Medical expenses and emergency evacuation are also covered.

No one likes to think about the possibility of a serious accident or death, so people often avoid thinking about life insurance. While life insurance protects your family should the worst happen, some policies can also provide an excellent way of saving for your future or your retirement. Depending on the type of insurance plan you have, you may get back what you put into a life insurance scheme with interest when the policy matures.

Some life insurance plans carry a savings element. Part of your premium is invested, often with a choice between a guaranteed return on your money or an investment linked to the performance of the financial market. Whole-life and endowment policies are policies that build up a cash value.

A whole-life policy will stay in force until the event of death or will mature at a set age, such as 99, if you do not wish to cash it in earlier.

Both types of policy can accumulate substantial savings. Obviously, the earlier you start, the more you will earn from the policy by the time you retire.

A disablement cover is often attached to whole-life and endowment policies. A term life insurance policy is taken out for a fixed duration or term and will pay a lump sum if the policyholder dies during the term of the policy. The premiums are reasonable for this type of policy, but there is no savings element to it, so the policy will simply cease at the end of the term, with no payable cash value. A term life policy can be linked to a mortgage, whereby the benefits will decrease as the mortgage is paid off.