This promotion is subject to Terms and Conditions.

Notes:

1. Upon successful application of designated insurance plans, customers can receive RewardCash equivalent to 3.8% of the designated insurance policy’s Annualised New Premium (before discount), and the maximum RewardCash to be offered per policy is 3,888. Designated insurance plans include HSBC Swift Save Insurance Plan, HSBC VHIS Flexi Plan, HSBC Family Protector, HSBC Swift Guard Critical Illness Plan.
2. Offer is subject to Terms and Conditions.
3. The guaranteed annual return may vary with different policy currencies and payment modes. This return is calculated based on the lump sum payment option after discount. For details of what constitutes the maturity benefit (the amount you will get at the end of the policy term), please refer to the product brochure.
4. Full coverage refers to the actual amount of eligible expenses and other expenses charged and payable in accordance to the terms and benefits of the VHIS Flexi policy.
5. Swift Guard Critical Illness Plan is a premium refundable plan with premiums refundable at the 10th Policy Year (if no claim has been paid or become payable under the policy during the entire policy term).
6. First-year premium here means Annualised New Premium (ANP). The ANP is calculated based on your premium payment mode. If you choose to pay the total premium with a lump sum, your RewardCash will be calculated based on the premium amount used to pay for the first-year premium. If you choose to pay your premium annually, ANP refers to the annual premium to be paid; If you choose to pay your premium monthly, ANP refers to the monthly premium x 12 months.
7. The above offers are available to HSBC credit cardholders only and are subject to terms and conditions. Cardholders can enjoy a preferential rate when converting their RewardCash to miles for frequent flyer programmes in the HSBC Reward+ app. In the above example, 1 RewardCash converts into 20 Asia Miles. The preferential exchange rate used for converting RewardCash to miles for frequent flyer programmes is applicable to HSBC EveryMile Credit Card only, and is subject to the terms and conditions governing the HSBC EveryMile Credit Card reward programme and travel offers. For more details, please see Travel Rewards programme in the HSBC Reward+ app. To borrow or not to borrow? Borrow only if you can repay!
8. The lump sum contribution refers to the aggregate premium payment option. It allows you to prepay the required premiums at a discount. The required annual premium will then be deducted from the aggregate premium balance on its due dates. The aggregate premium balance, after the annual premium has been deducted on its due date, will be accumulated at an interest rate determined by HSBC Life (International) Limited. This rate is not guaranteed and may be subject to change from time to time at our discretion. Please refer to the product brochure for more details.

Disclaimer:

HSBC Swift Save Insurance Plan is a life insurance plan with a savings element, policyholders are subject to early surrender loss.

HSBC VHIS Flexi Plan is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme. HSBC Life is a registered VHIS Provider (Registration no.: 00042, effective date: 29 May 2020).

HSBC Swift Guard Critical Illness Plan is a critical illness plan with premiums refundable at the 10th Policy Year (if no claim has been paid or become payable under the policy during the entire policy term) , policyholders are subject to early surrender loss.

HSBC Family Protector is a term life insurance plan with no savings element.

The above life insurance plans are underwritten by HSBC Life (International) Limited ("HSBC Life") which are authorised and regulated by the Insurance Authority (IA) of the Hong Kong SAR, and are intended only for sale in the Hong Kong SAR. It is not equivalent or similar to any kind of bank deposit or bank savings plan. 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 HKSAR. Policyholders will be subject to the credit risk of HSBC Life and your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of these 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. Please refer to the respective product brochure for detailed features and the policy provisions for the detailed terms and conditions.