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:
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.
Now, you have a plan that enhances both your financial and physical well-being.
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.
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 One and other customers
Book an appointment online or via (852) 2233 3130*.
HSBC Jade and Premier customers
Contact your Relationship Manager
*(Monday to Friday from 11:00am to 7:30pm except public holidays)
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
HSBC Health Goal offers more benefits to enhance your life-long insurance coverage and health 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.
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.
See how HSBC Health Goal benefits Patrick:
(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
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
|Eligible applicant9||To apply, your issue age3 needs to be between 15 days and 65 years of age|
|Policy term||Up to age3 99|
|Premium payment period/ issue age||
|Premium payment option||You may choose to pay your premiums as below:
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.
|Minimum premium amount||Minimum premium required per policy of different premium payment periods and payment modes:
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.
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.
An opportunity for long-term capital growth while enjoying life protection, with the option to transfer your plan according to your wishes.
Support you and your loved ones with all-round medical coverage, access to quality medical care and with potential tax deduction.
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.
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
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
* “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.
*To borrow or not to borrow? Borrow only if you can repay!