Get refundable premium on critical illness cover
Get covered against top critical illnesses including cancer, heart disease, stroke and 70+ other illnesses and conditions. Your premiums will not change throughout the payment term. What's more, you'll get a guaranteed full premium refund if you have not made any claims by the end of your policy term.
Key benefits

Special offers— Enjoy up to 12% off
- Enjoy up to 12% off your first year's premium. Offer ends on 6 Aug 2025. T&Cs apply (PDF)
- Get up to HKD1,500 Travel Gift Voucher upon successful application with designated annualised new premiums. Offer ends on 31 December 2025. T&Cs apply (PDF)
- Get MOP200 shopping coupon by booking an appointment online to complete a Financial Check-up with us. Offer ends on 31 December 2025. T&Cs apply (PDF)
- Enjoy preferential interest rate after successfully applied for this plan. Time deposits are products offered by HSBC Bank. T&Cs apply (PDF)
What's right for me?

Critical illness or medical insurance?
Critical illness insurance covers you for major illnesses including cancer, heart disease and stroke. On the other hand, medical insurance covers you for medically necessary treatment and hospitalisation costs. You'll be reimbursed per the incurred costs only. Before you decide, ask yourself:
"Can I support myself or my dependents financially in the event of critical illness?"
How much protection do I need?
Our Swift Guard Critical Illness Plan offers coverage options ranging from MOP100,000 to MOP2.5 million. So what amount of protection should you choose?
Treating critical illnesses is expensive. The post-treatment rehabilitation process can also be very long and costly. The recovery time for cancer and other critical illnesses is usually 2–3 years, but this may vary for each case. You can start by checking if you have enough savings reserved for the next 2–3 years in the event you need to take time off work.
This sum can be a starting point for estimating the coverage you need. You should also factor in your living expenses, any other insurance protection you already have which could cover your medical treatment expenses, your personal finances and potential treatment costs.

How to apply
Eligibility
To apply for the HSBC Swift Guard Critical Illness Plan, you'll need to meet all these requirements:
- life insured should be aged5 from 15 days after birth to age 55
- meet our requirements for nationality (country/region/territory), address and residency—which may be subject to change from time to time
HSBC Swift Guard Critical Illness Plan is a premium refundable Critical Illness plan 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. "The top 10 causes of death" as released by the World Health Organization in December 2020.
2. This benefit is only payable if the insured person fulfils all 3 of the following criteria within the same hospitalisation period:
2.1.undergone a complex surgery per defined in the policy provisions
2.2.qualified intensive care unit stay for 5 continuous days or more
2.3.receiving invasive life support
3. The total premiums paid refers to the total amount of premiums due and paid for the basic plan as of the policy termination date, subject to the terms of the policy. It is for the calculation of the death benefit and net cash value. It excludes any aggregate premium balance and non-guaranteed interest accumulated under the policy unless and until such part of the premium is actually due and paid on that date.
4. Based on the sum insured of MOP100,000 of a non-smoking male who is 19 years old5 at his next birthday, with 10-year premium payment period, (annual premium payments). The figure is calculated by annual premium divided by 365, subject to rounding adjustment.
5. The age refers to the age the insured person or policyholder, whichever is applicable, will be on their next birthday.
6. The aggregate premium option lets you prepay the required premiums at a discount as determined and specified by HSBC Life. The required annual premium will then be deducted from the aggregate premium balance on the relevant premium due dates.
The balance of the aggregate premium after the deduction of the annual premium on their relevant due dates will be accumulated with interest at a non-guaranteed interest rate determined by HSBC Life that may change from time to time at HSBC Life's discretion.
If you choose this payment method, you should ensure you can afford to leave your prepaid premiums in your policy. No withdrawals from the balance of the prepaid premiums and non-guaranteed interest accumulated will be allowed once paid, except in the event of the death or diagnosed critical illness of the insured person or the surrender of your policy. You are therefore advised to choose a payment method that best fits your financial circumstances at the time of your application. Please refer to "Important notes – Aggregate premium payment option" in the product brochure for more details.
7. The unemployment benefit is applicable to policyholders aged5 between 19 and 64 who holds a Macau Identity Card. This benefit is not available if the aggregate premium payment option has been chosen, and will terminate when the policyholder 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 aggregate premium policy. Please refer to the policy provisions of the supplementary benefits for detailed terms and conditions of coverage and exceptions.
8. 4 conditions that result from beyond the causes of the critical illness extended coverage for any undiscovered new disease or injury.