1. Offer is subject to terms and conditions. Enjoy an extra 10% off when you apply for HSBC VHIS Flexi Plan with your family members.
2. By completing the Well+ ‘Get Insured Online Challenge’ and successfully take out a new eligible HSBC Life insurance plan via eligible channels, you can receive an additional premium rebate of $200 RC. ‘New to HSBC Life’ customers⁸ can enjoy an extra premium rebate of $100 RC. This offer is subject to terms and conditions. Eligible insurance plans refer to the HSBC Life insurance plans available via eligible channels: HSBC Family Protector, HSBC VHIS Flexi Plan, HSBC Swift Guard Critical Illness Plan, HSBC Swift Save Insurance Plan. After selecting ‘Get started’ on the ‘Get insured online challenge’, take out an eligible new HSBC Life insurance plan(s) via eligible channels that is issued on or before 28 September 2025, and which remains in force at the time of crediting your Reward. If the new life insurance plan is issued before you select ‘Get started’ on the ‘Get insured online challenge’, this insurance plan will be ineligible for enjoying the reward for the Challenge. Subject to terms and conditions.
3. 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.
4. Claims approval rate refers to the percentage of the claims that were approved out of the total number of claims approved and declined in 2024.
5. Pre-authorisation is required for cashless arrangements. The final decision for any pre-authorisation application or direct billing approval is subject to our discretion.
6. Hong Kong taxpayer who is the policyholder of a policy issued under a certified plan of Voluntary Health Insurance Scheme (VHIS) may claim tax deductions for the premiums paid (excluding discount and levy) for yourself and your specified relatives up to HKD8,000 per insured person per assessment year. The amounts are for illustrative purposes only. The actual amounts of tax deductible and/or saving depend on the personal circumstances, and may be different from the amounts illustrated. For details, please visit the website of the Inland Revenue Department (ird.gov.hk) or seek independent tax advice.
7. 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).
8. ‘New to HSBC Life’ customers refer to those who do not hold any in-force HSBC Life insurance policy at the time of clicking ‘Get Started’ on the Challenge page.

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 10^th 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.