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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.

Open up to future possibilities with Multi-Currency insurance

Enjoy various options for policy split and withdrawal, along with 9 currencies to choose and switch from. Prepare for an open future with this flexible insurance plan and achieve your wealth goals.

What's best for your insurance needs? Get tailored guidance from our Wealth Planning Specialists today.

Key benefits

9 currencies to choose and switch from

Enjoy a wide selection of 9 currencies (USD, RMB, HKD, GBP, CAD, AUD, EUR, SGD or MOP)  with the option to switch your currency1 up to 3 times per year

Flexible wealth allocation

You can split your policy into new policies2 denominated in different currencies from the 3rd policy year to manage your changing financial needs

Wealth accumulation

Grow your wealth with Guaranteed Cash Value and a non-guaranteed special bonus. You can also lock in a portion of your policy value3, for more financial certainty

Flexible withdrawal option

Customise your regular income stream by withdrawing from your policy4 annually or monthly to enjoy extra liquidity

Special offers — Enjoy up to 21% off

  • Enjoy up to 21% off your first year's premium. Offer ends on 30 September 2024. T&Cs apply (PDF, 1.82MB)
  • Get up to MOP1,500 shopping coupon upon successful application with designated annualised new premiums. Offer ends on 31 December 2024. T&Cs apply (PDF, 311KB)
  • Get your CASETiFY phone case or 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, 268KB)
  • Enjoy preferential interest rate after successfully applied for this plan. Time deposits are products offered by HSBC Bank. T&Cs apply (PDF, 354KB)

How to apply

Eligibility

To apply for our HSBC Eminent Goal Multi-Currency Insurance Plan, you'll need to meet both of these requirements:

  • The insured person must be aged between 15 days after birth to 75 years5, depending on the premium payment period
  • Meet our criteria for nationality (country/region/territory), and/or address and/or residency—which are subject to change from time to time

HSBC Eminent Goal Multi-Currency Insurance Plan is a long-term participating life insurance plan with a savings element, underwritten by HSBC Life (International) Limited, Macau Branch ("HSBC Life"). It is not equivalent or similar to a bank deposit. Policyholders are subject to HSBC Life's credit risk and early surrender loss.

Talk with us

Get personalised support from our Wealth Planning Specialists. Book a face-to-face appointment.

Find out more

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

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The above plans are life insurance plan underwritten by HSBC Life (International) Limited, Macau Branch ("the Company"). Policyholders are subject to the credit risk of the Company and early surrender loss.

Notes

  1. 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.
  2. 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 amount9 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.
  3. After the 20th policy year, if there are no outstanding policy loan or premiums, you may apply to exercise the option of locking in a portion of the net cash value. The amount you choose to lock in is guaranteed upon exercising the Policy Value Management Option and will be allocated to the Policy Value Management balance to accumulate at a non-guaranteed interest rate, which will be adjusted from time to time at our discretion. The exercise of the Policy Value Management Option is subject to the minimum amount requirements on both the:
        3.1 net cash value to be allocated per transaction; and
        3.2 policy amount after the exercise of this option
    These minimum amount requirements are determined by us from time to time without prior notice to you. Please refer to product brochure for details.
  4. Starting from the 3rd policy anniversary or when the policy is fully paid at the end of the premium payment period (whichever is later), if there is no indebtedness10, you may request to withdraw cash value from this policy in annual or monthly frequency. Please refer to section "Product Summary" of this product brochure for more details.
  5. The age refers to the age the insured person or policyholder, whichever is applicable, will be on their next birthday.
  6. The Total Basic Plan Premium Paid refers to the total amount of premiums due under your basic plan—whether or not actually paid—as of the date of death for the insured person. Please refer to the policy provisions for detailed terms and conditions.
  7. The additional accidental death benefit will terminate when the insured person reaches age5 80 or upon the payout of this benefit or when the policy is terminated (whichever is earlier) subject to a maximum benefit limit of USD3,000,000 or its equivalent per insured person across all additional accidental death benefit issued by HSBC Life. Your policy will terminate once we pay this benefit. Please refer to the policy provisions of the supplementary benefits for detailed terms and conditions of coverage and exceptions.
  8. The unemployment benefit is applicable to policyholders aged5  between 19 and 64 who hold a Macau SAR Resident Identity Card. This benefit will terminate when the policyholders attains the age5 of 65 or all due premiums have been paid or the policy is terminated (whichever is earlier). Such benefit is not applicable to single premium policy. Please refer to the policy provisions of the supplementary benefits for detailed terms and conditions of coverage and exceptions.
  9. The Policy Amount is an amount used to determine the premiums payable under the policy, plus the cash values and special bonuses you receive under the basic plan of this policy. It does not represent the amount of death benefit payable or cash value of your policy.
  10. Indebtedness means the sum of all outstanding policy loans or automatic premium loans advanced in accordance with the Policy, any accrued interest on such loans, and any outstanding premiums or payments under this policy.

HSBC Eminent Goal Multi-Currency Insurance Plan is a long-term participating life insurance plan with a savings element underwritten by HSBC Life (International) Limited, Macau Branch ("HSBC Life"). It is not equivalent or similar to any kind of bank deposit or bank savings plan. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

This product is a product of HSBC Life but not HSBC, it is underwritten by HSBC Life and is intended only for sale in the Macau SAR. 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. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

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 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