Product Discount Offer

Enjoy up to 7% discount off first year premium upon successful application for HSBC Health Goal Insurance Plan.

This offer is valid until 30 September 2019. Promotional terms and conditions apply. Please visit branch for details.

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 deposit. For details, please refer to the “More about participating policy” section.

DISTINCTIVE Global Medical Care Services1

(Exclusive for HSBC Health Goal’s life insured)

An array of health uniqueness consultation service enables you to access to global best practice for better outcomes in the unfortunate event of diagnosis of Cancer, Stroke and 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.

Product 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 reap the rewards of long-term wealth growth with potential savings returns.

3 X Critical Illnesses Benefits2

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

Benefit Transfer4

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

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


How much protection can I get from HSBC Health Goal?

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

Wealth Protection

For your financial well-being, HSBC Health Goal allows you a Policy Value Management Option5,6 upon reaching your 20th policy year.

Life Protection

HSBC Health Goal will also ensure your loved ones are 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 you are diagnosed with a terminal illness before the age3 of 65, you are entitled to claim the Death Benefit in advance.

Unemployment benefit8 (Not applicable to single premium policies)

If you become unemployed for at least 30 consecutive days before the age3 of 65, the grace period for your premium payment will be extended up to 365 days, during which time you will still enjoy the full protection.


How it works

See how HSBC Health Goal benefits Patrick:

Customer Exclusive

Understand how Global Medical Care Services benefit you:

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 55 years old
Policy currency USD
Policy term Up to age3 99
Premium payment period You can choose to pay your premiums in:
  • 3 years / 5 years / 10 years; or
  • A single premium
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 premium monthly in respect of a Policy Year, the Total Basic Plan Premium Paid10 for that Policy Year will be higher than if you pay annually.


  • Payment method:
    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

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]


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

Endnote

  1. Global Medical Care Services (the “Services”) are provided by a leading global patient care organization, Preferred Global Health (“PGH”) 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 PGH or through their service providers 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 PGH while the HSBC Health Goal Insurance Plan policy is effective. It is your 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 PGH for the use of their services. HSBC Life (International) Limited is not responsible for the quality of the medical advice/treatment recommendations and have no control over the scope of services provided by PGH to the patient and we are not liable for any costs, losses or damages suffered by the patient or you for the use of such Services. We have the absolute discretion to revise and change the terms and conditions for the offering of the Services under the HSBC Health Goal Insurance Plan policy at any time without giving you prior notice.
  2. Critical Illnesses Benefits consists 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 with the following exclusions: (i) Any pre-existing conditions from which the life insured was suffering prior to the Issue Date, the Policy Date, the effective date of last reinstatement or the effective date of change of life insured4 provided that the Critical Illnesses Benefits are still eligible for claims pursuant to the policy term, whichever is the latest; or (ii) Any illness contracted by the life insured within the first ninety (90) days following the Issue Date, the Policy Date, the effective date of last reinstatement or the effective date of change of life insured4 provided the Critical Illnesses Benefits are available pursuant to the policy term, whichever is the latest, or (iii) Intoxication by drugs not prescribed by a Registered Medical Practitioner or abuse of alcohol; or (iv) Presence of Human Immunodeficiency Virus (HIV) infection on or before the diagnosis date of critical illness (except for “HIV Due to Blood Transfusion and Occupationally Acquired HIV” as defined in the policy term). These benefits will terminate when the life insured attains the age3 of 80, 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 one time only after the third policy year or after the end of the premium payment period provided all premiums are fully paid, whichever is later. Critical Illnesses Benefits2 will be transferred together with the basic plan to the new life insured provided no claims has been made under the Critical Illnesses 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 Illnesses Benefits2 under this policy will 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 mortality 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 age3 of 65 or payout of the relevant benefits or the Policy is terminated (whichever is earlier). Your policy will terminate once we pay this benefit.
  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 you attain 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 HKD16,000,000/USD2,000,000 (for Proposed Insured aged3 50 or below) or HKD8,000,000/USD1,000,000 (for Proposed Insured aged3 above 50). 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.