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The tax season is around the corner. What’s the best way to plan your post-retirement income and medical protection while enjoying tax savings? Look into QDAP and VHIS for solutions that may be right for you

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Before claiming any tax deductions, you must meet all eligibility requirements set out in the provisions under the Inland Revenue Ordinance, while following the guidance issued by the Inland Revenue Department (“IRD”) of the Hong Kong SAR. This general information about tax is for reference only and should not be the basis for any tax related decision. Please note that the actual tax benefits of these policies would depend on your personal tax position and there might not be tax deductions benefits if you are not subject to salaries tax and personal assessment in the relevant year of assessment. Should you have any enquiries, please contact independent profession tax advisor. Please note that the tax law, regulations and / or interpretations are subject to changes and may affect any related tax benefits including but not limited to the eligibility criteria for a tax deduction. HSBC Life (International) Limited (“HSBC Life”) or The Hongkong and Shanghai Banking Corporation Limited (“HSBC”) are not responsible for informing you about any changes in laws, regulations or interpretations, and how those may affect you. This article shall not constitute any tax advice. HSBC Life shall not be liable for any loss, costs or damages which may be incurred (directly or indirectly) due to or relating to the contents herein.

Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under a VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). For more information, please refer to or seek independent tax advice.

The information contained in this video is for general reference only and is not intended to constitute a recommendation or advice to any person or to be the basis for any financial decision, health related decision or any other kind of decision. Please seek advice from your own doctor regarding any matters relating to health, or the suitability of exercise or degree of exercise that is suitable for you. No person should act on any information in the video without seeking professional advice.

HSBC Life does not intend to give any tax advice to any person, and will not give any tax advice. This document shall not constitute any tax advice. Please seek independent advice on tax from your own independent advisor when necessary.

The information contained in this video does not constitute an offer for the purchase or sale of any banking or insurance products or services. Products and services are subject to individual needs. Contact your financial planner to review your financial needs and risk acceptance level.

This video should not be reproduced or further distributed to any person or entity, whether in whole or in part, for any purpose.

HSBC Life based this video on information obtained from sources it believes to be reliable, but which it has not independently verified. HSBC Life and HSBC makes no guarantees, representations or warranties and accepts no responsibility or liability as to its accuracy or completeness. Information in this video is subject to change without notice.

HSBC Life is authorised and regulated by the Insurance Authority to carry on long-term insurance business in the Hong Kong SAR. HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group’s insurance underwriting subsidiaries. Insurance products provided by HSBC Life are only intended for sale through HSBC in the Hong Kong SAR. Policyholders are subject to credit risk of HSBC Life. 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 HSBC Life and you directly.

If you want to learn more about the product details, please refer to the terms and conditions of relevant brochures. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance policy.

HSBC is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of HSBC Life for the distribution of life insurance products in the Hong Kong SAR. The life insurance plans are underwritten by HSBC Life and are only intended for sale through HSBC in the Hong Kong SAR.

The above examples are hypothetical cases for reference only. You should not make any decisions based on the examples and information provided herein. If you are in doubt about the examples or any of the above content, you should seek independent professional advice.

For product details and related charges, please refer to the relevant brochures and policy provisions or contact HSBC’s branch staff. HSBC Life is a registered VHIS provider (Registration no.: 00042, effective date: 29 May 2020)

All the information in the video is updated as of February 2022

Issued by HSBC Life (International) Limited (Incorporated in Bermuda with limited liability)
© Copyright. HSBC Life (International) Limited. All rights reserved.

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