HSBC Life | Show your care with coverage that lasts

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As long as you are always there for your parents, every day is Mother’s Day and Father’s Day.

❤️By providing a full range of protection solutions, HSBC Life is committed to adding extra peace of mind to every moment you share with the people you love.

Special offers on all-round protection 🛡️

From 6 May to 8 June, use the promo code ‘FAMILY’ to apply for the medical, term life and critical illness plans below and you can enjoy a first-year premium discount of more than 80%¹!

【Medical coverage】up to 60% off

【Term life insurance】more than 80% off

【Critical illness coverage】40% off

🏥 Up to 60%¹ off comprehensive medical coverage

Let your parents focus on their health without having to worry about rising medical costs. If you don’t have medical coverage yet, you can consider taking up a plan with your parents and enjoying the protection together. HSBC VHIS Flexi Plan offers not only full coverage for medical expenses², but a 98.8%³ claims settlement ratio.

No sub-limits, with an annual benefit limit of up to HKD40 million.
Enjoy the flexibility to choose from 4 deductibles to suit your needs and budget.

✨ Apply online with the promo code ‘FAMILY’ to enjoy 50% off your first-year premium. Or apply with a family member and get 60%⁴ off!

Based on an annual benefit limit of HKD5 million (Bronze plan with an annual deductible of HKD50,000),
If you apply with a family member, the first-year premium after the 60% discount:
HKD96/month (for yourself) + HKD356/month (for your mother) = HKD452/month⁸

🔥 At the same time, you can also join the Well+ ‘Get Insured Online Challenge’ to earn a premium rebate of up to $300 RewardCash⁵.

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☂️ More than 80% off term life insurance¹

Take the uncertainty out of the future by keeping yourself and your loved ones protected. HSBC Family Protector gives you not only comprehensive term life insurance, but the flexibility to add optional benefits such as critical illness and hospital cash to your coverage.

✨Apply online with the promo code ‘FAMILY’ and enjoy a 10-month first-year premium waiver (equivalent to more than 80% off¹).

Based on a sum insured of HKD1 million,
First-year premium after discount:
HKD11/month⁹

🔥 At the same time, you can join the Well+ ‘Get Insured Online Challenge’ to earn a premium rebate of up to $300 RewardCash⁵.

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💖 40% off¹ critical illness coverage

With a critical illness plan that offers a full premium refund, you and your loved ones will be able to keep moving forward even in case of the unexpected.

HSBC Swift Guard Critical Illness Plan covers 76 major illnesses, including cancer, heart disease and stroke, 3 of the 10 most common critical illnesses worldwide. If you haven’t made any claims by the end of your policy, you’ll receive a full premium refund, guaranteed¹⁰. So even if your health doesn’t need to be protected, your money will be.

✨ Enjoy 40% off your first-year premium (applicable to 5-year payment term only) if you apply online with the promo code ‘FAMILY’.

Based on a sum insured of HKD100,000,
First-year premium after discount:
HKD183/month¹¹

🔥 At the same time, you can also join the Well+ ‘Get Insured Online Challenge’ to earn a premium rebate of up to $300 RewardCash⁵.

Get a quote Get a quote

👪 Keep your loved ones protected with coverage that lasts!
Apply online now with promo code ‘FAMILY’ and take advantage of our selected special offers! 🎁

Remarks

Offer is subject to terms and conditions.
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.
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.
Enjoy an extra 10% off 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.
Customers who join the Well+ Get Insured Online challenge for the first time this year and apply successfully for an eligible new HSBC Life policy⁶ through an approved channel will receive a premium rebate of $200 RewardCash. New HSBC Life customers⁷ will also receive an additional premium rebate of $100 RewardCash. T&Cs apply.
‘Eligible insurance plan’ refers to an eligible new policy of any of the HSBC Life life insurance products - Family Protector Term Life Insurance Plan, VHIS Flexi Plan, HSBC Swift Guard Critical Illness Plan and HSBC Swift Save Insurance Plan – which you apply for successfully through an approved channel after clicking the Start Now button for the Get Insured Online challenge, for which your application is approved on or before 28 September 2025, and which remains in effect at the time the RewardCash you are entitled to is credited to your account. If the application for the eligible new insurance policy is already approved before you click the Start Now button for the Get Insured Online challenge, the policy is not eligible for the reward available under the challenge. T&Cs apply.
A new HSBC Life customer is defined as one who does not hold any effective HSBC Life insurance policy at the time they click the Start Now button to take part in the challenge.
The above example is based on HSBC VHIS Flexi Plan (Bronze level), of which one customer is aged 30 with an annual deductible of HKD50,000, and a family member aged 60 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.
Based on a non-smoking male aged 31 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.
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 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 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.