We understand your financial and physical well-being depend on a combination of inter-connected lifestyle factors. With HSBC Health Goal Insurance Plan (“HSBC Health Goal” or “your policy”), we aim to protect your:

  • Health by providing lump-sum payment in cash for Cancer, Heart Disease and Stroke claim(s) without affecting your policy value.
  • Wealth by offering savings appreciation to grow your policy value continuously for a more fulfilling life tomorrow.

Please refer to the Policy Provisions of the Supplementary Benefits for detailed terms, conditions and exclusions. HSBC Health Goal is a long-term participating life insurance product with a savings element. It is not equivalent or similar to any kind of bank deposit. For details, please refer to the “More about participating policy” section.

 

Key Features

Now, you have a plan that enhances both your financial and physical well-being.

Wealth Accumulation

Pay in a single premium or premiums over a few years to recap the rewards of long-term wealth growth, potential return can reach 4%* per annum.

3 X Critical illness Benefits2

Receive additional lump sum payment upon the diagnosis of Cancer, Heart Disease or Stroke2 up until age3 80 , up to three times (once for each type of diseases) with the total payment up to 150% of total Premiums paid for the policy . Your policy value will remain unchanged after these claims.

Benefits Transfer4

Extend a gift by transferring the coverage of your policy to your loved ones up to three times after the 3rd policy year or after the premium payment period provided that all premiums are paid up (whichever is later).

Note: Critical illness Benefits2 will be transferred together with the basic plan to the new life insured provided no claims has been made under the Critical illness Benefits2 by the original life insured.

HSBC Life Well+

Speak with us

HSBC One and other customers

Book an appointment online or via (852) 2233 3130*.

Book appointment online

(Got questions?)

HSBC Jade and Premier customers

Contact your Relationship Manager

*(Monday to Friday from 11:00am to 7:30pm except public holidays)

 

Limited Time offers:

Earn up to an extra $3,000 RewardCash!

Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer.

Offer ends 30 June 2021. T&C apply

Get up to 16% off your first-year premium.

Offer ends 30 June 2021. T&C apply

【Special Benefits for COVID-19】

We promise to help protect you and your family in times of need. Because of the COVID-19 outbreak, we’re extending a complimentary special benefit to existing and new policyholders, as well as their partners and children. There are no limitations or special requirements on age or premium amount.

See benefits details

How much protection can I get from HSBC Health Goal?

HSBC Health Goal offers more benefits to enhance your life-long insurance coverage and health protection:

Wealth Protection

For your financial well-being, HSBC Health Goal offers a Policy Value Management Option5,6 after the 20th policy anniversary to let you lock in part of your prevailing policy value.

Life Protection

HSBC Health Goal ensures your loved ones will be well taken care of by a Death Benefit.

Subject to eligibility, you can realise the following Supplementary Benefits with no additional premiums required to help you through challenging times.

Terminal illness benefit7

If the life insured is diagnosed with a terminal illness before the age3 of 65, the policyholder can claim the Death Benefit in advance.

Unemployment Benefit8 (Not applicable to single premium policies)

The policyholder will enjoy an extended premium payment grace period of up to 365 days while still enjoying the full protection of HSBC Health Goal, should the policyholder become unemployed for at least 30 consecutive days before the age2 of 65.


How it works

See how HSBC Health Goal benefits Patrick:

DISTINCTIVE Global Medical Care Services1

(Exclusive for HSBC Health Goal’s life insured)

Personalised care and expert medical consultation services from Harvard-level specialists at the top ranked hospitals in the U.S. to respond to critical diseases and have the best possible outcome in the unfortunate event of a diagnosis of Cancer, Stroke or Heart disease.

For details of the service, please visit www.pghworld.com

Learn more

Note: Preferred Global Health (“PGH”) is the service supplier of the Global Medical Care Services. Eligibility and scope of service is subject to the terms and conditions specified by PGH. HSBC Life (International) Limited does not accept any liability relating to the service supplier. The Services are value-added services provided by PGH while this policy is effective. It is your/the life insured’s responsibility to pay for all the treatment and medical costs and the related costs/expenses incurred by you/the life insured, whether directly or indirectly in relation to the receiving of the Services. For more details of the services, please visit www.pghworld.com


What do you need to know for applying HSBC Health Goal?

Eligible applicant9 To apply, your issue age3 needs to be between 15 days and 65 years of age
Policy currency USD
Policy term Up to age3 99
Premium payment period/ issue age
Premium payment period Issue age
Single premium/ 3 years 15 days after birth to age 653
5 years 15 days after birth to age 603
10 years 15 days after birth to age 553
Premium payment option You may choose to pay your premiums as below:
  • Payment mode:
    1. Annually; or
    2. Monthly; or
    3. A single premium

Note: If you choose to pay your premiums monthly in respect of a Policy Year, the Total Basic Plan Premiums Paid10 for that Policy Year will be higher than if you pay annually.


  • Payment methods:
    1. From your HSBC bank account (for initial premium) / any bank account (for subsequent premium(s)); or
    2. From your HSBC credit card (not applicable to single premium); or
    3. By cheque
Minimum premium amount Minimum premium required per policy of different premium payment periods and payment modes:
Premium payment period Payment mode
Annual premium Monthly premium
Single premium USD100,000 ---
3 years USD33,333 USD2,916.60
5 years USD20,000 USD1,750.00
10 years USD10,000 USD875.00

With just a few simple steps, you can set up a video-enabled meeting via Zoom on your computer or mobile device to discuss the Health Goal Insurance Plan with an HSBC Relationship Manager or an Insurance Specialist.

(Click here to see the set up details)


Policy documents

All the information you need in one place:

HSBC Health Goal Product Brochure
View Product Brochure [PDF]

Global Medical Care Services Introduction Leaflet / FAQ
View Introduction Leaflet [PDF]

Note: Preferred Global Health (“PGH”) is the service supplier of the Global Medical Care Services. Eligibility and scope of service is subject to the terms and conditions specified by PGH. HSBC Life (International) Limited does not accept any liability relating to the service supplier. The Services are value-added services provided by PGH while this policy is effective. It is your/the life insured’s responsibility to pay for all the treatment and medical costs and the related costs/expenses incurred by you/the life insured, whether directly or indirectly in relation to the receiving of the Services.


Policy dividend

Policy dividend for Participating Products

View More about participating policy [PDF]


You may also be interested in

HSBC Wealth Goal Insurance Plan II

An opportunity for long-term capital growth while enjoying life protection, with the option to transfer your plan according to your wishes.

T&Cs apply.

HSBC VHIS Flexi Plan

Support you and your loved ones with all-round medical coverage, access to quality medical care and with potential tax deduction.

T&Cs apply.

Life protection plans

Explore the list of our selection of life protection plans.

The above plans are life insurance plan underwritten by HSBC Life (International) Limited. Policyholders are subject to the credit risk of HSBC Life and early surrender loss.

Make a claim

Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.

Simply call our Tele-Consultants at (852) 31280122 who will assist you in preparing your relevant claim request(s).

Learn More

Disclaimer

HSBC Health Goal Insurance Plan is underwritten by HSBC Life (International) Limited (referred to the Company) which is authorised and regulated by the Insurance Authority (IA). The Hongkong and Shanghai Banking Corporation Limited (referred to as "HSBC") is an insurance agent authorised by the Company.

Policyholder's benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.

If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.

Past, current, projected and / or potential benefits and / or returns (e.g. bonuses, dividends and interest) presented herein are not guaranteed and are for illustrative purposes only. The actual future amounts of benefits and / or returns may be lower than or higher than the currently quoted benefits and / or returns.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the product should be resolved between the Company and you directly.

Please refer to the respective product brochure for detailed features and the Policy Provisions for the detailed terms and conditions.

HSBC Life (International) Limited – incorporated in Bermuda with limited liability

Remarks

* “Potential return” is calculated using the current assumed investment return rate. It includes a projected special bonus which will be declared by HSBC Life (International) Limited at its absolute discretion and is non-guaranteed. The actual return may be higher or lower than the amount quoted. The rate of return as shown above is therefore not guaranteed and is for illustration purposes only. This example is based on the assumption of a policy with policy period of over 30 years and it is assumed that (i) the life insured is 50 years of age or below and a non-smoker; (ii) premiums are payable annually over 5 years; (iii) all premiums have been paid in full during the premium payment period; (iv) neither policy loan nor partial surrender has been applied during the policy term; (v) and Special Bonus scale remains unchanged from the one originally illustrated throughout the policy term.

Endnote

  1. Global Medical Care Services (the “Services”) are provided by Preferred Global Health Ltd ("PGH"), a leading global patient care organisation (“the organisation”) to the life insured (hereinafter called “the patient”) of HSBC Health Goal Insurance Plan policy. The Services consist of Personal Care Manager, Diagnosis Verification and Treatment Plan, Doctor-to-Doctor Dialogue and US Care Management services. US Care Management service is only applicable to HSBC Health Goal Insurance Plan policy with Notional Amount11 of USD2 million or more. The Services provided by the organisation or through the service providers arranged by the organisation are used as a resource for consultative medical advice and treatment recommendations for the patient who seek further opinions/suggestions on his/her medical conditions. The Services are value-added services provided by the organisation while this policy is effective. It is your/patient’s responsibility to pay for all the treatment and medical costs and the related costs/expenses incurred by you/the patient, whether directly or indirectly in relation to the receiving of the Services.
    You are subject to the relevant terms and conditions as determined by the organisation for the use of their services. The Company does not represent PGH. The Company will not be held liable or responsible for the above content provided by PGH. The Company is not directly affiliated in any way with Harvard, and any reference to Harvard is only for identification and reference purposes on content provided by PGH and does not imply an association between the Company and Harvard. Please seek the advice of your medical professional for further guidance. We have the absolute discretion to revise and change the terms and conditions for the offering of the Services under this policy at any time without giving you prior notice.
  2. Critical Illness Benefits consist of Cancer Benefit (Additional Payment), Heart Disease Benefit (Additional Payment) and Stroke Benefit (Additional Payment). Each of these benefits is payable once only and subject to a one-year waiting period from the last claim of any such diseases covered under these benefits. These benefits will terminate when the life insured attains the age of 803, payout of the relevant benefit(s) or the policy is terminated (whichever is earlier). Any payments outstanding at the time of Benefit Payment under the policy must be paid to us before we make the relevant Benefit Payment. Please refer to the Policy Provisions for the definitions of cancer, heart disease and stroke. and under what circumstances one may be excluded from the above Benefits Payments. You should consult with professionals or seek professional advice if you are in doubt about the definitions and exclusions.
  3. Age means the age of the life insured or the policyholder where applicable at his/her next birthday.
  4. Each policyholder is entitled to the change of life insured of policy for up to three times after the third policy year or after the end of the premium payment period provided all premiums are fully paid, whichever is later. Critical Illness Benefits2 will be transferred together with the basic plan to the new life insured provided no claims has been made under the Critical Illness Benefits2 by the original life insured. However, if any of these benefits has been claimed by the original life insured before the acceptance of change of life insured, the Critical Illness Benefits2 under this policy shall cease to operate for the new life insured. Change of life insured is subject to evidence of insurability and approval by the Company which is based on the underwriting conditions of the life insured. Any such request will be assessed on case-by-case basis and is at our discretion, with consideration of multiple factors, including but not limited to the change in underlying claim risk, change in policy term, latest economic outlook; and is at our discretion.
  5. You may apply to exercise this Policy Value Management Option to allocate a portion of the Net Cash Value12 as of the date of such request is processed, to the Policy Value Management Balance14 provided that the Policy has been in force for 20 policy years or more; all premiums are paid up when due; and there is no outstanding policy loans, interest and premiums under the Policy.
  6. The exercise of the Policy Value Management Option is subject to the minimum amount requirements on (i) the Net Cash Value12 to be allocated per transaction; and (ii) the Notional Amount11 after the exercise of this option. Such minimum amount requirements are determined by us from time to time without prior notice to Policyholder.
  7. Terminal Illness Benefit will terminate when the life insured attains the age of 653 or payout of the relevant benefits or the Policy is terminated (whichever is earlier). Your policy will terminate once we pay this benefit. No Terminal Illness Benefits shall be payable under any of the below conditions:
    • any pre-existing condition from which the life insured was suffering prior to the Issue Date of the Policy or the effective date of this Benefit or the effective date of last reinstatement, whichever is the latest. or
    • any Human Immunodeficiency Virus (HIV) or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) or any mutations, derivation or variations thereof.
    Please refer to the relevant policy provisions for the details of terms and conditions and exclusions.
  8. Unemployment Benefit is applicable to any policyholder aged3 between 19 and 64 years who is a Hong Kong Identity card holder. This benefit will terminate on the Policy Anniversary at which the policyholder attains the age3 of 65 years or all due premiums have been paid (whichever is earlier). Such benefit is not applicable to single premium policies. Please refer to the Policy Provisions of the respective Supplementary Benefits for detailed terms and conditions and exclusions.
  9. Application for HSBC Health Goal is subject to our relevant requirements on nationality and/or addresses and/or residency of the policyholder and/or the life insured as determined by us from time to time. The proposed Notional Amount11 and the total Notional Amount11 of all the pending and inforce HSBC Health Goal Insurance Plan applications or policies for each Proposed Insured subject to ‘simplified underwriting’ shall not exceed USD2,000,000 (for Proposed Insured aged3 50 or below) or USD1,000,000 (for Proposed Insured aged3 above 51 to 60).or USD500,000 (for Proposed Insured aged3 61 to 65). Full underwriting will be applied otherwise.
  10. Total Basic Plan Premium Paid refers to the total amount of premiums due for the basic plan (whether or not actually paid) as of the date of death of the life insured. If you choose to prepay the required premiums, the balance of the prepaid premiums will not be counted as the Total Basic Plan Premium Paid until such part of premium is due.
  11. Notional Amount is an amount used to determine the premiums payable under this policy and your cash values, Special Bonuses13 and amounts of Cancer/Heart Disease/Stroke Benefit (Additional Payment)2 to be received under the basic plan of this policy. It does not represent the amount of death benefit payable.
  12. Net Cash Value means an amount equal to the Guaranteed Cash Value plus Special Bonus13 less any outstanding policy loan, interest and premiums.
  13. The amount of Special Bonus, if any, is not guaranteed and subjected to our absolute discretion.
  14. Policy Value Management Balance means the amount of the accumulation of the proceeds from exercising the Policy Value Management Option5,6 which is allocated to the policy to accumulate at such non-guaranteed interest rate(s) that are determined at our discretion from time to time, and less any previously withdrawn amounts.


*To borrow or not to borrow? Borrow only if you can repay!