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Important Information


Financial strength

Standard & Poor's

HSBC Life (International) Limited is rated AA-

Standard & Poor's category description 'AA':

An insurer rated "AA" means very strong capacity to meet financial commitments.

Rating 'AA' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.

Service provider and underwriters

The life and medical insurance plans are underwritten by HSBC Life (International) Limited, Macau Branch ("the Company"). The Company is authorised and regulated by the Autoridade Monetária de Macau ("AMCM") of the Macau Special Administrative Region ("Macau SAR") to carry on long-term insurance business in the Macau SAR.

Address: 1/F, Edf. Comercial Si Toi, 619 Avenida da Praia Grande, Macau

Phone: (853) 2821 2323

HSBC Life (International) Limited (“HSBC Life”) is authorised and regulated by the Hong Kong Insurance Authority of the Hong Kong Special Administrative Region ("Hong Kong SAR") to carry on long-term insurance business in the Hong Kong SAR, with address at 18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong.

Policy dividend for participating products

Participating policy

Policy dividend for Participating Products - applicable to HSBC Wealth Goal Insurance Plan II, HSBC Family Goal Insurance Plan and HSBC Health Goal Insurance Plan.

Profit sharing ratio

Establishing a risk-sharing mechanism

We have a clear interest in the performance of your participating policy as our participating business operates on the principle of sharing risks between you and ourselves to achieve a reasonable balance. We regularly review the Special Bonus levels payable to you. Both the past actual performance and management's expectation of the long-term future performance will be assessed against the assumed level. If variances arise, considerations will be undertaken regarding sharing these with you through Special Bonus adjustments.
Variances arising from the following are shared between you and ourselves, including, but not limited to:

  • Investment return and expected future investment performance
  • Insurance risks (e.g. lapses, surrenders and claims of different groups of policies)
  • Operating expense (e.g. our underwriting and general overhead costs)

For on-shelf products - We aim to share such variances to participating policyholders and to us based on target sharing ratios of 90% and 10% respectively.

Otherwise, for products issued before year 2021 - We aim to share such variances to participating policyholders and to us based on target sharing ratios of 70% and 30% respectively.

Fulfillment ratio and Total payout ratio

Fulfillment Ratio - in respect of non-guaranteed benefits.

Total Payout Ratio - in respect of total benefits including guaranteed and non-guaranteed benefits.

Historical premium increase rates of medical insurance products

Product series/group

HSBC Flexi Medical Insurance Plan


Nil/MOP16,000/MOP50,000/MOP100,000 or Nil/USD2,000/USD6,250/USD12,500

Premium increase rates

2019 2020 2021 2022 2023
Not yet launched Not yet launched 0% 0% 0%
2019 Not yet launched
2020 Not yet launched
2021 0%
2022 0%
2023 0%

The above information is for reference only and please note that historical premium increase rates are not an indicator of future premium increase of the medical insurance products.

Customer enquiries, feedback or complaints

Your feedback is important to us in maintaining our service quality. If you have any enquiries, feedback or complaints related to the Bank’s insurance products or services, please contact us via the following channels:


Call us

Life Insurance Service Hotline: (853) 2821 6133


Write to us

Mail: HSBC Life (International) Limited,

1/F Edf. Comercial Si Toi, 619 Avenida da Praia Grande, Macau



Follow HSBC Life Insurance WeChat account: hsbclifemacau

Resolving your complaint

Getting back to you

We will acknowledge your message and aim to resolve most issues within five working days. Occasionally, we may need more time but we will keep you informed.

Handling your complaint

Your complaint will be dealt with in total confidence by employees with the appropriate experience and authority, and who are not directly involved in the issue.

If a complaint is raised by a third party, we will get back to you to protect your privacy.

We will offer appropriate redress if your complaint is upheld, but this will not necessarily involve.

If you’re not satisfied

If you are not entirely satisfied with the way we have handled your complaint, you have the right to refer the matter to the relevant organizations listed below and we will fully cooperate with them in the handling of complaints:

Monetary Authority of Macao

Mail: Calcada do Gaio, No. 24 e 26, Macau

Tel: (853) 2856 8288

Fax: (853) 2832 5433


Consumer Council

(Head Office) Av. Horta e Costa, N.º 26, Edf. Clementina A.L.Ho, 4.º Andar

(Northern District Branch) Rua Nova da Areia Preta, Nº52, Centro de Serviços da RAEM, 1º Andar, Zona M, Macau

Tel: (853) 8988 9315

Fax: (853) 2830 7816


Personal Information Collection Statement


In case of any discrepancies between the English and Chinese versions, the English version shall apply and prevail.