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😁 The future is uncertain. Your coverage shouldn’t be!

As our valued policyholder, you're already a step ahead when it comes to protecting what matters most. But did you know you can unlock even greater peace of mind by extending your coverage with medical, critical illness and term life insurance policies?

When you top up with these coverages, you'll get:

🎁 Exclusive perks only for you
✨ Comprehensive coverage at our most competitive rates
💪💖 Extensive shield for your health and loved ones’ future

It's the ultimate way to elevate your protection and feel confident tackling whatever life throws your way.

For a limited time, you can enjoy the following exclusive offers just for you:

🏥 Full medical coverage: Up to 60% off¹

Stay healthy, and enjoy life to the full with the people you love. HSBC VHIS Flexi Plan gives you and your loved ones full medical coverage² worth HKD5 million or more, with no sub-limits on hospitalisation and surgical costs, so you’ll have no worries about unexpected expenses. Now you can get 50% off your first-year premium with promo code ‘PERKS’, or even 60% off if you apply together with a family member¹.

Annual benefit limit of HKD5 million (Bronze Plan)
First-year premium on average HKD96³/month
after 60% discount
(HKD50,000 annual deductible)

Get a quote now Get a quote now

💕 Term life coverage: 75% off⁴

Whatever the future brings, no worries! HSBC Family Protector is a term life insurance plan that offers you the flexibility to extend your coverage by adding critical illness, hospital cash and other optional benefits. Now you can enjoy a 9-month premium waiver (discount of 75%) with promo code ‘PERKS’⁴.

For sum insured: HKD1 million,
First-year premium on average HKD17⁵/month
after discount

Get a quote now Get a quote now

🧘🏻‍♀️ Comprehensive Critical Illness protection: 50% off⁶

Together, you and your loved ones can take on the world! HSBC Swift Guard Critical Illness Plan provides comprehensive critical illness protection and a guaranteed refund of total premium paid if you haven’t made any claims⁷. Now you can enjoy a first-year premium discount of 50% (applicable to 5-year premium payment period only) with promo code ‘PERKS50’⁶.

For sum insured HKD100,000,
First-year premium on average HKD161⁸/month
after discount

Get a quote now Get a quote now

✨ Don't miss out on your chance to upgrade your coverage and unlock a new level of security. Take advantage of these exclusive benefits today.

Remarks

Enjoy an extra 10% off when you apply with your family members on HSBC VHIS Flexi Plan. First-year premium discount is subject to the T&Cs.
Full coverage shall mean the actual amount of Eligible Expenses and other expenses charged and payable in accordance to the Terms and Benefits of this policy.
The above example is based on HSBC VHIS Flexi Plan (Bronze), aged 30 with an annual deductible of HKD50,000. This figure is subject to rounding adjustment. The actual amount of the premium is decided at the discretion of HSBC Life. The age refers to the age you were on your last birthday.
First-year premium discount of HSBC Family Protector is subject to the T&Cs.
Based on a non-smoking male aged 31 for a sum insured of HKD1 million. This figure is subject to rounding adjustment. The actual amount of the premium is decided at the discretion of HSBC Life. The age refers to the age the insured person or policyholder, whichever is applicable, will be on their next birthday.
First-year premium discount of Swift Guard Critical Illness Plan is subject to the T&Cs.
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). The total premiums paid refers to the total amount of premiums due and paid for the basic plan as of the policy termination date, subject to the terms of the policy. It is for the calculation of the death benefit and net cash value. It excludes any aggregate premium balance and non-guaranteed interest accumulated under the policy unless and until such part of the premium is actually due and paid on that date.
Based on a non-smoking male aged 31 for a sum insured of HKD100,000. This figure is subject to rounding adjustment. The actual amount of the premium is decided at the discretion of HSBC Life. The age refers to the age the insured person or policyholder, whichever is applicable, will be on their next birthday.

Disclaimer:

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 101% of the total premiums paid 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.