Bad days happen. Are you prepared?

Sometimes we get bad news and when that happens, having the right protection in place can make handling that news a little easier, so you can focus on getting the right help.

With HSBC Term Protector, you can get covered for up to HKD5 million to help pay for medical expenses or to protect your loved ones if the worst happens. Protection and peace of mind starts from as low as HKD1.7 per day1. Enjoy additional cancer protection for up to HKD 2.5 million with HSBC Cancer Term Protector that covers early stage cancer2 and carcinoma in situ2, with as low as HKD5 per day1.

Compare HSBC Term Protector and HSBC Cancer Term Protector

 

HSBC Term Protector

HSBC Cancer Term Protector

Product Type Term Life Insurance
Policy Term Up to age 80
Premium Adjustment Guaranteed fixed premium3 for 10 years
Application Apply online, no medical examination required
Customer offer 2 months premium waiver (Promo-code: FREE2M#)
Premium per day As low as HKD1.7 per day1 As low as HKD5 per day1
Maximum Sum insured Up to HKD5,000,000 Up to HKD2,500,000
What’s included:

Life cover

In the unfortunate event of your death while being covered by this product, your beneficiary(ies) will receive a lump sum cash payment equal to the Sum Insured amount of your Policy.

Combined cancer2,4 and life protection4

Get 100% sum insured if you are diagnosed with Canceror you pass away4.
 

Conversion privilege

Convert to an available whole of life or endowment plan without further health checks before the age of 60.

Cover Carcinoma-in-situ (“CIS”)2 /Early Stage Cancer2

Access up to 20% of sum insured if diagnosed with Early Stage Cancer2 or CIS2; all future premiums will be waived.
 

Penalty-free cancellation

Cancel your policy anytime, without penalty5, whenever you no longer need the protection.

Penalty-free cancellation

Cancel your policy anytime, without penalty5, whenever you no longer need the protection.
  Learn more
Check our prices
Learn more
Check our prices

HSBC Term Protector

HSBC Cancer Term Protector

Product Type

Term Life Insurance

Policy Term

Up to age 80

Premium Adjustment

Guaranteed fixed premium3 for 10 years

Application

Apply online, no medical examination required

Customer offer

2 months premium waiver (Promo-code: FREE2M#)

Premium per day

As low as HKD1.7 per day1

Premium per day

As low as HKD5 per day1

Maximum Sum insured

Up to HKD5,000,000

Maximum Sum insured

Up to HKD2,500,000

What’s included:

Life cover

In the unfortunate event of your death while being covered by this product, your beneficiary(ies) will receive a lump sum cash payment equal to the Sum Insured amount of your Policy.
What’s included:

Combined cancer2,4 and life protection4

Get 100% sum insured if you are diagnosed with Cancer2 or you pass away4.

Conversion privilege

Convert to an available whole of life or endowment plan without further health checks before the age of 60.

Cover Carcinoma-in-situ (“CIS”)2 /Early Stage Cancer2

Access up to 20% of sum insured if diagnosed with Early Stage Cancer2 or CIS2; all future premiums will be waived.

Penalty-free cancellation

Cancel your policy anytime, without penalty5, whenever you no longer need the protection.

Penalty-free cancellation

Cancel your policy anytime, without penalty5, whenever you no longer need the protection.
Learn more
Check our prices
Learn more
Check our prices

Please refer to the respective product pages and product brochures for the key features, charges, exclusions and other relevant terms and conditions of the products.

# This promo code is a 2 months premium waiver offer after your first month’s payment. T&C Apply.

HSBC Term Protector and HSBC Cancer Term Protector are both term life insurance protection plans underwritten by HSBC Life (International) Limited (“the Company”) with no savings element and are not equivalent or similar to any kind of deposit.

End Notes

  1. Based on sum insured of HKD1 million of a 25-year-old (premium will be calculated based on the age at the next birthday) non-smoking female. The figure is subject to rounding adjustment. The actual amount of premium is decided at the discretion of the Company.
  2. Please refer to Policy Provisions for the definitions and exclusions of Cancer, CIS and Early Stage Cancer. To be eligible for such benefit, the diagnosis must cover certain organ groups and certain classifications and subject to exclusions.
  3. The premium adjustment will be determined in accordance with the Company’s prevailing rate table applicable to this class of term life policies and the Insurance Age of the Life Insured at the time of adjustment. Any change in premium rate is based on factors including but not limited to medical inflation, changes in medical practice and actual claim experience at the time of adjustment. A notice of such premium adjustment will be sent to the Policyholder prior to it taking effect.
  4. Policyholder / Beneficiary(ies) can only receive either ‘Death Benefit’ or ‘Cancer Benefit’ under HSBC Cancer Term Protector.
  5. If you cancel the policy or the policy is lapsed or terminated for any reasons, you will not get back the premium you have paid.

Disclaimer

  • Your benefit is subject to the credit risk of the Company.
  • The Company is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. The Company is authorised and regulated by the Insurance Authority (IA) to carry on long-term insurance business in the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited (referred to as "HSBC") is an insurance agent authorised by the Company. The above products are products of the Company but not HSBC and are intended only for sale in the Hong Kong SAR. 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. 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.