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HSBC Life

Support for you and your family when it matters most

Some promises are fulfilled together. As you strive to fulfill your promises to your loved ones, HSBC Life will be right here with you. Life and medical insurance is more than giving you peace of mind if the unexpected happens, it could also mean fulfilling your wealth needs in your life journey, be it providing medical care, accumulating wealth, supporting retirement plans and leaving a meaningful legacy for you and the people you care about. Discover what we can offer to help you achieve your goals.

The insurance plans featured below are subject to credit risk of issuer HSBC Life (International) Limited, Macau Branch and early surrender loss. Learn more about HSBC Life.

What's new

HSBC Life presents: A Journey into Art with CASETiFY

Embrace the intertwining of art and precious life moments this summer at HSBC Insurance Planning Centre! This art experience aims to bring joy and memorable life moments to our customers by entering into a world of art curations.

Highlights:

  • Explore the life-sized CASETiFY installations and create your own stories
  • Discover three Macau limited edition CASETiFY phone cases by local artists - PIBG, Sam Kin Hang, and Vitorino Wong and the inspiration behind
  • Get MOP200 supermarket gift coupon upon completion of Financial Check-up (T&Cs apply (PDF, 265KB))
     

Starting from now until 31 October, come join this journey of art and vibrant spirit of Macau!

Hot pick

Get MOP200 coupon upon completion of Financial Check-up

Get MOP200 shopping coupon by booking an appointment online to complete a Financial Check-up with us. Offer ends on 31 December 2024.

 

T&Cs apply (PDF, 265KB).

family present; image used for HSBC register page.

Member Get Member Campaign

Referring the ones you care as new customer and enjoy rewards together! Referrer can get up to MOP400 shopping coupons through successful referrals. Referee can enjoy up to 40% off first-year premium and get up to MOP1,000 shopping coupons for selected insurance plans! Offer ends on 31 December 2024.

 

T&Cs apply (PDF, 1.90MB).

Explore our insurance products

Family playing with kid
Savings | Retirement income

HSBC Wealth Goal Insurance Plan II

A whole life insurance plan designed for people with long-term wealth savings objectives.
  • Potential long-term growth with projected cash value reaching 400%1 of total premium payment
  • Flexibility to lock-in a portion of your policy value
  • Option to transfer the coverage
Underwritten by HSBC Life (International) Limited, Macau Branch. T&Cs apply."Projected cash value" is non-guaranteed, the actual return may be higher or lower than the amount quoted.

Limited time offers:

Get up to 23% off your first-year premium. T&Cs apply (PDF, 1.83MB).

Savings | Retirement income | Child education

HSBC Flourish Income Annuity Plan

An annuity plan that provides a monthly income stream after you retire, applicable to life insured who is aged 19 to 75.
  • Pay 3 or 5 years with a few years of accumulation period, receive a monthly annuity payment for 25 years or to age 99
  • Enjoy a 3% per year increment on monthly guaranteed annuity during the first 10 years of the annuity period
  • A choice to enrich your plan with additional Dementia Protection
Underwritten by HSBC Life (International) Limited, Macau Branch. T&Cs apply. "Projected cash value" is non-guaranteed, the actual return may be higher or lower than the amount quoted.

Limited time offers:

Get up to 10% off your first-year premium.  T&Cs apply (PDF, 1.83MB).

Savings | Retirement income | Child education

HSBC Eminent Goal Multi-Currency Insurance Plan

A long-term savings insurance plan which offers flexibility in policy management with 9 currencies, allowing you adapt to your changing financial goals.
  • 9 currencies2 to choose and switch from
  • Policy can split into new policies3 denominated in different currencies
  • Grow your wealth with Guaranteed Cash Value and a non-guaranteed special bonus
Underwritten by HSBC Life (International) Limited, Macau Branch. T&Cs apply. "Projected cash value" is non-guaranteed, the actual return may be higher or lower than the amount quoted.

Limited time offers:

Get up to 21% off your first-year premium. T&Cs apply (PDF, 1.83MB).  

A family goes to flower viewing in the park
Medical & critical illness | Savings | Retirement income

HSBC Health Goal Insurance Plan

An insurance plan which protects against major critical illnesses and offers potential wealth appreciation.
  • Potential return can reach 4% p.a4
  • Protection from 3 major critical illnesses: cancer, heart disease and stroke
  • Benefit transfer for up to 3 times5
Underwritten by HSBC Life (International) Limited, Macau Branch. T&Cs apply. "Potential return" is non-guaranteed, the actual return may be higher or lower than the amount quoted.

Limited time offers:

Get up to 18% off your first-year premium. T&Cs apply (PDF, 1.83MB).

happy family eating in the kitchen
Life protection | Medical & critical illness | Savings

HSBC Family Goal Insurance Plan

A-3-in-1 solution with enhanced protection in the first 20 years.
  • Life insurance protection
  • Cancer benefit covering your children
  • Potential wealth growth for enriching your retirement life
Underwritten by HSBC Life (International) Limited, Macau Branch. T&Cs apply.

Limited time offers:

Get up to 13% off your first-year premium. T&Cs apply (PDF, 1.83MB).

A mother and her children are doing exercise in the park
Medical & critical illness

HSBC Flexi Medical Insurance Plan

A medical insurance plan that provides you and your loved ones with all-round medical coverage, including access to quality medical care at private healthcare services.
  • Cover against unknown pre-existing conditions6
  • Get fully covered7 for hospitalisation and surgical fees without any sub-limits
  • Rest easy with up to 90 days of home nursing services
Underwritten by HSBC Life (International) Limited, Macau Branch. T&Cs apply.

Limited time offers:

Get 30% off your first-year premium, with an extra 10% off for family applications.
T&Cs apply (PDF, 1.83MB).

Life protection | Legacy Planning

HSBC Paramount Global Life Insurance Plan

An insurance plan that helps fulfil your protection and legacy planning needs.
  • Pass your coverage on to your loved ones
  • Choose from flexible death benefit settlement options
  • Get life protection and potential increase in your savings
Underwritten by HSBC Life (International) Limited, Macau Branch. T&Cs apply.

Limited time offers:

Get up to 21% off your first-year premium.
T&Cs apply (PDF, 1.83MB).

Life protection | Investment-linked

HSBC Wealth Select Protection Linked Plan

Select from a variety of investment choices to suit your evolving need, while enjoying life protection in this investment-linked assurance scheme. Ongoing fees and charges apply.
  • Choose from 3 levels of sum insured – 150%, 200%, 250% of the total premium payable
  • Policy will stay in force until the policy anniversary immediately after the insured person reaches the end of age 65, as long as they meet specified conditions
  • Select from our wide range of investment choices with the option to opt in to our risk matching and de-risking service

Underwritten by HSBC Life (International) Limited, Macau Branch. T&Cs apply.

Investment involves risks. For further details including the product features and risks involved, please refer to the offering documents.

Limited time offers:

Get up to 14% off your first-year premium.T&Cs apply (PDF, 694KB).

Speak with us

family gathering and laughing

Protect yourself and your family's future. Speak to an HSBC Life Wealth Planning Specialist today.

LIFE Talk

A woman is claiming insurance via phone call

Uphold the promises to you and your loved ones with tips on how to protect yourself and your finances.

Make a claim

A woman is claiming insurance via phone call

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

Simply call the policy and claim service hotline (853) 2821 6133 and our professional claims team will help you deal with your claim.

  1. 400% is a projected return after 30 years based on the assumption that the life insured is a 35-year-old male paying an annual premium of USD40,000 for 3 years.
  2. Currency Switch Option means an option to switch the policy currency to a different currency that HSBC Life makes available at the time of the application for Currency Switch Option, from the 3rd policy anniversary onwards or when the policy is fully paid at the end of the premium payment period (whichever is later). Please refer to the policy provisions of the Currency Switch Option for detailed terms and conditions. Available currency options are USD, RMB, HKD, GBP, CAD, AUD, EUR, SGD or MOP.
  3. Each original policy can be converted into up to 3 new split policies with new policy number assigned. The policyholder of the split policies can further apply for Policy Split Option to split into a maximum of other 3 split policies. The policy amount of split policies must not be less than such minimum amount requirement which may be determined by HSBC Life from time to time. Please refer to the product brochure for details.
  4. The return of 4% p.a. is based on the assumption of a policy with policy period of 30 years and it is assumed that the life insured is 50 years of age or below and a non-smoker – and a 5-year premium term.
  5. 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 Benefits will be transferred together with the basic plan to the new life insured provided no claims has been made under the Critical Illness Benefits 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 Benefits 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.
  6. Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is the earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where - (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. The Company may impose case-based exclusion(s) to the pre-existing condition(s) notified to the Company in the application for the plan and any subsequent information or document submitted to the Company for the purpose of the application. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Please refer to the policy provisions for the full terms and conditions.
  7. Full coverage shall mean the actual amount of eligible expenses and other expenses charged and payable in accordance to the terms and benefits of the policy.

The insurance products shown above are not equivalent to any bank deposit or savings. The information shown above is intended as a general summary for your reference only. If you wish to learn more about any of the above insurance plans, please refer to the respective product brochure for detailed features and the Policy Provisions for the detailed terms and conditions on the insurance product webpages.

HSBC Life (International) Limited, Macau Branch
HSBC Life (International) Limited, Macau Branch ("the Company", "we" or "us") is a branch incorporated in accordance with Macau laws, and is one of the HSBC Group's insurance underwriting subsidiaries.

Macau Special Administrative Region office
Main office: 1/F, Edf. Comercial Si Toi, 619 Avenida da Praia Grande, Macau
HSBC Life Insurance Planning Centre: Unit AC, Dynasty Plaza, 393 Alameda Dr. Carlos d’Assumpcao, Macau

The Company is authorised and regulated by the Autoridade Monetária de Macau ("AMCM") to carry on long-term insurance business in the Macau Special Administrative Region.

In respect of an eligible dispute (as defined in the admissibility scope in the Mediation Scheme for Financial Consumption Disputes) arising between the HSBC Life (International) Limited ("HSBC Life")  and you out of the selling process or processing of the related transaction, HSBC Life is required to enter into a Financial Consumption Dispute Mediation process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between the Company and you directly.

Issued by the HSBC Life (International) Limited (Incorporated in Bermuda with limited liability), Macau Branch