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HSBC Cancer Term Protector

Sometimes life doesn’t go as expected. Be prepared with a combined Cancer and Life Insurance Policy from HSBC Life.

HSBC Cancer Term Protector provides you additional financial resources should you get Cancer or pays your family in the unfortunate event that you pass away.

This is a term life insurance plan with no savings element underwritten by HSBC Life (International) Limited.

Key features

  • A choice of coverage up to HKD2,500,000footnote3
  • If you get Early Stage Cancerfootnote2 or Carcinoma-in-situ (‘CIS’)footnote2, access up to 20% of your Sum Insured and pay no more premiums
  • If you get Cancerfootnote2,footnote5 or pass awayfootnote5, 100% of your Sum Insured will be paidfootnote7
  • Premium payments are fixed for the first 10 years and will be adjusted every 10 policy years
  • Life cover up to agefootnote6 of 80
  • Get a quote and apply online in less than 5 minutes

Read the Major Exclusions
For more details, please refer to Product Brochure

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Need to make a claim?

Download cancer claim form

Download death claim form


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Cancer prevention, treatments and survivorship.

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For every HSBC Cancer Term Protector purchased, HSBC Life (International) Limited will contribute HKD100 to Hong Kong Cancer Fund.

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Successfully apply HSBC Cancer Term Protector to enjoy ONEdna Hereditary Cancer Screening. Terms and conditions apply.

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  • Eligibility
  • Major exclusions
  • Policy documents

What’s included?

Coverage amount

Select from HKD250,000 to HKD2,500,000footnote2 or HKD1,250,000footnote2 as your Sum Insured.

Cancerfootnote2,footnote5 and Death Benefitfootnote5

Get 100% of the Sum Insured if you get Cancerfootnote7,footnote8 or if you pass awayfootnote7,footnote8.

Early access

Access up to 20% of the Sum Insured if you get Early Stage Cancer or Carcinoma-in-situ (‘CIS’)footnote2,footnote8.

Premium Waiver

Pay no more premiums if you get Cancerfootnote2, Early Stage Cancerfootnote2 or CISfootnote2.

Please consult and seek professional advice when you have doubt about the definitions before proceeding the application.

For product features, please refer to Product Summary in Product Brochure.
For full terms and conditions, please refer to Policy Provisions.

Manage your policy online

It's easy to:

  • review your policy details
  • change your payment instructions

Make a claim

Sometimes life doesn’t go according to plan:

For Death Benefitfootnote5
  • The Death Benefit will only be paid after we have received satisfactory written proof of the validity of claim

For Cancerfootnote2, Early Stage Cancerfootnote2 and Carcinoma-in-situ (‘CIS’)footnote2 Benefits
  • A claim must be made within ninety (90) days of becoming aware of the Cancerfootnote2, CISfootnote2 or Early Stage Cancerfootnote2
  • Proof must be provided in the form of medical report from a registered medical practitioner
  • We reserve the right to require an examination or other reasonable and appropriate tests to confirm the occurrence of the Cancerfootnote2, CISfootnote2 or Early Stage Cancerfootnote2. This will be at the cost of the Policyholder.
  • Where a claim is made in reliance on the HIV Due to Blood Transfusion and Occupationally Acquired HIV exception, the claimant must also satisfy additional notice and documentary proof requirements.

HSBC Term Protector

You insure your most treasured possessions so why not insure yourself in order to protect your family’s future plans? HSBC Term Protector is a pure and simple life insurance product that is cost effective and can be applied online, in minutes, with no medical examination required.

HSBC Term Protector is a term life insurance plan with no savings element, which is underwritten by HSBC Life (International) Limited. It is not equivalent or similar to any kind of deposit.

HSBC Comprehensive Critical Illness Protection Plan

HSBC Comprehensive Critical Illness Protection Plan provides critical illness benefits protection under both Base Critical Illness Benefit and Multiple Critical Illness Benefit, allowing claims for Critical Illness of up to 200% of the Sum Insured for each of the two illness groups (Cancer Illness Group and Non-Cancer Illness Group).

Note: HSBC Comprehensive Critical Illness Protection Plan is not equivalent or similar to any kind of deposit.

WholeLife Protection Plan

Give your family security. Build up a cash sum and cover yourself, with our whole-of-life insurance plan with a savings element.

Note: WholeLife Protection Plan is not equivalent or similar to any kind of deposit.

You can be covered by this Policy up to the agefootnote6 of 80.

Yes, 90 days from the issue date or the effective date of last reinstatement.

Your premium is guaranteed not to change for the first 10 years of the Plan. Your premium will then be adjusted every 10 years. We will send you a notice prior to the premium change.

You have a right to cancel your Policy at any time. If you cancel during the Cooling-off Period, you will also be refunded of any premium(s) paid and/or any applicable levy paid. To cancel, you must provide us signed, written notice and return the policy document (if received).

Your Policy will be terminated automatically and you do not need to pay anymore premiums.

End Notes Select to Expand Select to Collapse

Endnotes


1 HSBC Cancer Term Protector is a term life protection plan with no savings element and it is not equivalent to any kind of deposit.

2 Please refer to Policy Provisions for the definitions and exclusions of Cancer, CIS and Early Stage Cancer. To be eligible for such benefit, the diagnosis must cover certain organ groups and certain classifications and subject to exclusions.

3 The total Sum Insured shall not exceed HK$2,500,000 (for Life Insured agedfootnote4 50 or below) or HK$1,250,000 (for Life Insured agedfootnote4 above 50). The Company reserves the right to accept or reject any applications for the Plan based on the information provided by the Life Insured and / or Policyholder during application.

4 Age means your age at your next birthday.

5 Policyholder / Beneficiary(ies) can only receive either ‘Death Benefit’ or ‘Cancer Benefit’.

6 The policy anniversary at which you reach the specified age based on age at next birthday.

7 For Death Benefit, the payment is subject to deduction of any outstanding premiums and any benefits you have already received for Early Stage Cancer or CIS under this Plan. For Cancer Benefit, the payment is subject to payment of any outstanding premium and deduction of benefits you have already received for Early Stage Cancer or CIS under this Plan.

8 You will receive one payment in case of either event, not on each event.


Disclaimers


HSBC Life (International) Limited ("the Company") is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.

HSBC Cancer Term Protector is underwritten by the Company which is authorised and regulated by the Insurance Authority (IA) to carry on long-term insurance business in the Hong Kong SAR.

The Hongkong and Shanghai Banking Corporation Limited (referred to as "HSBC") is an insurance agent authorised by the Company. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.

Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company 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 the Company and you directly.

Please refer to the respective Product Brochure for detailed features and the Policy Provisions for the detailed terms and conditions.