Chill out,
you’re covered

Remarks

1. According to the provisional statistics of the Hong Kong insurance industry released by the Insurance Authority, HSBC Life continued to rank first in Hong Kong for individual life New Business Premiums from 2022 to 2024.
2. Eligible new insurance customers are those who have never held any issued insurance policy with HSBC Life before 18 July 2025. T&Cs apply.
3. Offer is subject to terms and conditions.
4. The first-year premium / annualised new premium (ANP) can be calculated based on the premium payment method you have chosen. Monthly payment: ANP equals monthly premium (before discount) x 12 (subject to rounding adjustment). Annual payment: ANP equals the premiums paid (before discount) in the first year. Aggregate payment: ANP equals the total premiums paid (before discount) in the first year.
5. Subject to Policy Provisions, reimbursement is limited to eligible hospital and surgical expenses as stated in the Plan. For details, please refer to the product brochure.
6. The respective actual amounts of the eligible expenses and other expenses charged and payable in accordance with the Policy Provisions ("Terms and Benefits") of this policy are subject to item sub-limits.
7. The Supplementary Major Medical (SMM) benefit is an optional top-up that offers a reimbursement of 80% of the eligible hospital expenses that exceed the protection limit of your HSBC VHIS One Plan.
8. 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.
9. 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.
10. Enjoy an extra 10% off on VHIS Flexi Plan / VHIS One Plan when you apply with a family member being the life insured of another plan. Family members include your spouse/ partner, children, parents or parents-in-law, siblings or siblings-in-law, grandparents or grandparents-in-law, and grandchildren or grandchildren-in-law. Offer is subject to terms and conditions.
11. The above example is based on HSBC VHIS One Plan aged 30 and aged 40; and HSBC VHIS Flexi Plan (Bronze), aged 30 and aged 40 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.
12. Based on a non-smoking male aged 31 and aged 41, and 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.
13. 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.
14. Based on a non-smoking male aged 31 and aged 41, and 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 and HSBC VHIS One Plan are individual indemnity hospital insurance plans 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.