Swift Guard | Medical & Critical Illness Insurance

HSBC MO
Insurance
Swift Guard Critical Illness Plan

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.

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Get covered against 76 critical illnesses, including cancer, heart disease and stroke—which are among the top 10 causes of death worldwide¹

Stay protected in the event of 4 specified conditions beyond the causes of critical illness including terminal illness, total permanent disability, loss of independent existence or major medical treatment²

Recover a guaranteed 101% of your total premiums paid³ if you have not made any claims by the end of your policy

Enjoy a high benefit ratio (sum insured divided by total premiums paid³) with coverage for MOP100,000 from just MOP2.38 a day⁴—plus, your premiums will not change throughout the payment term

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.

Useful documents

Talk with us

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This table summarises the Swift Guard Critical Illness Plan and its key coverage.
Policy summary	Key coverage
Issue age⁵	15 days after birth to age 55
Policy term	10 years
Policy currency	MOP / HKD
Premium payment period	10 years
Premium payment method	Aggregate premium⁶, monthly or annually
Minimum sum insured (per policy)	MOP / HKD 100,000
Maximum sum insured (per life insured)	MOP / HKD 2,500,000
Maturity benefit	At the end of your 10th policy year, you will receive 101% of the total premiums paid², if no claim has been made throughout.
Death benefit	Your beneficiaries will receive 100% of the total premium paid, minus any indebtedness, at the date of the death of the life insured. If the policy is paid by aggregate premium⁶, the death benefit shall be increased by the balance of both the aggregate premium with the non-guaranteed interests accumulated if any, at the date of death of the life insured.

This table summarises the Swift Guard Critical Illness Plan and its key coverage.
Policy summary	Issue age⁵
Key coverage	15 days after birth to age 55

Policy summary	Policy term
Key coverage	10 years

Policy summary	Policy currency
Key coverage	MOP / HKD

Policy summary	Premium payment period
Key coverage	10 years

Policy summary	Premium payment method
Key coverage	Aggregate premium⁶, monthly or annually

Policy summary	Minimum sum insured (per policy)
Key coverage	MOP / HKD 100,000

Policy summary	Maximum sum insured (per life insured)
Key coverage	MOP / HKD 2,500,000

Policy summary	Maturity benefit
Key coverage	At the end of your 10th policy year, you will receive 101% of the total premiums paid², if no claim has been made throughout.

Policy summary	Death benefit
Key coverage	Your beneficiaries will receive 100% of the total premium paid, minus any indebtedness, at the date of the death of the life insured. If the policy is paid by aggregate premium⁶, the death benefit shall be increased by the balance of both the aggregate premium with the non-guaranteed interests accumulated if any, at the date of death of the life insured.

For detailed product features, please refer to the product brochure.

This additional benefit will be included in the policy at no extra cost.

Pause premium payments if you're unemployed

If you are unemployed for at least 30 consecutive days between the ages⁵ of 19 and 64, our unemployment benefit⁷ gives you 365 days off paying premiums without affecting the full protection under the policy. This benefit applies to Macau residents only and to monthly or annual payment mode only.

This table summarises the critical illnesses and specified conditions covered under this plan.
Category	Illness
Cancer	Cancer
Illness related to the heart	Cardiomyopathy Coronary artery bypass surgery Dissecting aortic aneurysm Eisenmenger's syndrome Heart attack Heart valve surgery Infective endocarditis Other serious coronary artery disease Primary pulmonary arterial hypertension Surgery to aorta
Illness related to the brain and nervous system	Alzheimer's disease Amyotrophic lateral sclerosis (ALS) Apallic syndrome Bacterial meningitis Benign brain tumour Cerebral aneurysm requiring surgery Cerebral metasis Coma Creutzfeldt-Jacob disease Encephalitis Hemiplegia Major head trauma Medullary cystic disease Motor neurone disease Multiple sclerosis Muscular dystrophy Myasthenia gravis Paralysis of limbs Parkinson's disease Primary lateral sclerosis Progressive bulbar palsy (PBP) Progressive muscular atrophy Progressive supranuclear palsy Spinal muscular atrophy Stroke Tuberculosis meningitis
Illness related to the kidneys	Chronic adrenal insufficiency Kidney failure Pheochromocytoma Systemic lupus erythematosus (SLE) with lupus nephritis
Illness related to the liver and pancreas	Acute necrohemorrhagic pancreatitis Biliary atresia having undergone liver transplantation Chronic auto-immune hepatitis Chronic relapsing pancreatitis End stage liver disease Fulminant viral hepatitis
Illness related to the lungs and respiratory system	Chronic obstructive lung disease End stage lung disease Severe bronchiectasis Severe emphysema Severe pulmonary fibrosis
Organ transplant	Major organ transplant
Disabilities	Blindness Loss of hearing Loss of independent existence⁸ Loss of limbs Loss of one eye and one limb Loss of speech Poliomyelitis Total permanent disability⁸
Illness related to surgery and intensive care	Major medical treatment⁸
Other illness	AIDS/HIV due to blood transfusion Aplastic anaemia Crohn's disease Ebola Elephantiasis Generalised tetanus Haemolytic streptococcal gangrene HIV acquired due to assault Major burns Medically acquired HIV infection Myelofibrosis Necrotising fasciitis Occupationally acquired HIV Rabies Severe rheumatoid arthritis Severe ulcerative colitis Systemic scleroderma Terminal illness⁸

This table summarises the critical illnesses and specified conditions covered under this plan.
Category	Cancer
Illness	Cancer

Category	Illness related to the heart
Illness	Cardiomyopathy Coronary artery bypass surgery Dissecting aortic aneurysm Eisenmenger's syndrome Heart attack Heart valve surgery Infective endocarditis Other serious coronary artery disease Primary pulmonary arterial hypertension Surgery to aorta

Category	Illness related to the brain and nervous system
Illness	Alzheimer's disease Amyotrophic lateral sclerosis (ALS) Apallic syndrome Bacterial meningitis Benign brain tumour Cerebral aneurysm requiring surgery Cerebral metasis Coma Creutzfeldt-Jacob disease Encephalitis Hemiplegia Major head trauma Medullary cystic disease Motor neurone disease Multiple sclerosis Muscular dystrophy Myasthenia gravis Paralysis of limbs Parkinson's disease Primary lateral sclerosis Progressive bulbar palsy (PBP) Progressive muscular atrophy Progressive supranuclear palsy Spinal muscular atrophy Stroke Tuberculosis meningitis

Category	Illness related to the kidneys
Illness	Chronic adrenal insufficiency Kidney failure Pheochromocytoma Systemic lupus erythematosus (SLE) with lupus nephritis

Category	Illness related to the liver and pancreas
Illness	Acute necrohemorrhagic pancreatitis Biliary atresia having undergone liver transplantation Chronic auto-immune hepatitis Chronic relapsing pancreatitis End stage liver disease Fulminant viral hepatitis

Category	Illness related to the lungs and respiratory system
Illness	Chronic obstructive lung disease End stage lung disease Severe bronchiectasis Severe emphysema Severe pulmonary fibrosis

Category	Organ transplant
Illness	Major organ transplant

Category	Disabilities
Illness	Blindness Loss of hearing Loss of independent existence⁸ Loss of limbs Loss of one eye and one limb Loss of speech Poliomyelitis Total permanent disability⁸

Category	Illness related to surgery and intensive care
Illness	Major medical treatment⁸

Category	Other illness
Illness	AIDS/HIV due to blood transfusion Aplastic anaemia Crohn's disease Ebola Elephantiasis Generalised tetanus Haemolytic streptococcal gangrene HIV acquired due to assault Major burns Medically acquired HIV infection Myelofibrosis Necrotising fasciitis Occupationally acquired HIV Rabies Severe rheumatoid arthritis Severe ulcerative colitis Systemic scleroderma Terminal illness⁸

Here's a table summarising the key differences between them.
	HSBC Swift Guard Critical Illness Plan	General medical insurance
Compensatory approach	Lump sum payment, based on your selected sum insured	Reimbursement, based on the actual hospitalisation expenses incurred
Refundable premium	Yes, 101% at policy maturity if no claims made	No
Policy coverage period	10 years	Annual renewal (up to age 100, depending on the plan)
Premium	Fixed throughout the policy coverage period	Non-guaranteed, increases with age or under some circumstances
Coverage	Upon a diagnosis of any of the 80 covered illnesses including cancer, heart disease or stroke	Full or partial reimbursement of any hospitalisation expenses

Here's a table summarising the key differences between them.
	Compensatory approach
HSBC Swift Guard Critical Illness Plan	Lump sum payment, based on your selected sum insured
General medical insurance	Reimbursement, based on the actual hospitalisation expenses incurred

	Refundable premium
HSBC Swift Guard Critical Illness Plan	Yes, 101% at policy maturity if no claims made
General medical insurance	No

	Policy coverage period
HSBC Swift Guard Critical Illness Plan	10 years
General medical insurance	Annual renewal (up to age 100, depending on the plan)

	Premium
HSBC Swift Guard Critical Illness Plan	Fixed throughout the policy coverage period
General medical insurance	Non-guaranteed, increases with age or under some circumstances

	Coverage
HSBC Swift Guard Critical Illness Plan	Upon a diagnosis of any of the 80 covered illnesses including cancer, heart disease or stroke
General medical insurance	Full or partial reimbursement of any hospitalisation expenses

* The above comparison is for general reference only. Medical plan details differ across different products. Please refer to the product materials of the specific medical insurance plan for comparison.

The benefit ratio refers to the amount of premium paid compared to the critical illness coverage you receive in return. To calculate this, we divide the sum insured by the total premiums paid².

The ratio varies according to factors like age, gender, smoking status, premium payment method and premium payment period. Younger policyholders may enjoy a higher benefit ratio.

For example, a 34-year old female, non-smoker, who chooses a 10-year premium payment period for a sum insured of MOP1.5 million could enjoy a 3.6x benefit ratio.
Age	34 years old
Premium payment period	10 years
Sum insured (MOP)	1,500,000
Annual premium (MOP)	41,295
Total premiums paid² (MOP)	41,295 x 10 years = 412,950
Benefit ratio	1,500,000 / 412,950 = 363%

For example, a 34-year old female, non-smoker, who chooses a 10-year premium payment period for a sum insured of MOP1.5 million could enjoy a 3.6x benefit ratio.
Age	Premium payment period
34 years old	10 years

Age	Sum insured (MOP)
34 years old	1,500,000

Age	Annual premium (MOP)
34 years old	41,295

Age	Total premiums paid² (MOP)
34 years old	41,295 x 10 years = 412,950

Age	Benefit ratio
34 years old	1,500,000 / 412,950 = 363%

On the other hand, a 27-year old male, non-smoker, who chooses a 10-year premium payment period for a sum insured of MOP350,000 could enjoy a 8.80x benefit ratio.
Age	27 years old
Premium payment period	10 years
Sum insured (MOP)	350,000
Annual premium (MOP)	3,979.5
Total premiums paid² (MOP)	3,979.5 x 12 months x 10 years = 39,795
Benefit ratio	350,000 / 39,795 = 880%

On the other hand, a 27-year old male, non-smoker, who chooses a 10-year premium payment period for a sum insured of MOP350,000 could enjoy a 8.80x benefit ratio.
Age	Premium payment period
27 years old	10 years

Age	Sum insured (MOP)
27 years old	350,000

Age	Annual premium (MOP)
27 years old	3,979.5

Age	Total premiums paid² (MOP)
27 years old	3,979.5 x 12 months x 10 years = 39,795

Age	Benefit ratio
27 years old	350,000 / 39,795 = 880%

No, you can't renew your policy. However, we'll offer you conversion privilege upon the maturity of your policy. You may convert it into a new policy made available by us. You won't have to provide evidence of insurability on the insured person's life, for a sum insured less than or equal to the sum insured of your policy.

The new policy must be a prevailing product determined by us at the time of policy conversion. Its conversion will be subject to prevailing regulatory and HSBC Life requirements for new applications but the medical underwriting requirements will be waived. The premium for the new policy will be determined by us based on the date of conversion and the insurance age⁵ of the insured person at such a date.

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.

Learn more Make a claim

Support you and your loved ones with all-round medical coverage, access to quality medical care.

Protection against 3 major critical illnesses while enjoying potential wealth appreciation. Critical illness claims will not affect savings and potential return.

A 3-in-1 solution with enhanced protection in the first 20 years.

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

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.

The HSBC Swift Guard Critical Illness Plan is a premium refundable Critical Illness. It is not a 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 (and no return of premium paid during the 1st policy year). 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.

HSBC Life (International) Limited, Macau Branch ("HSBC Life") is not liable for any loss, damage or costs which may arise from or relating to any information based on third-party sources educational content intended for reference only. HSBC Life does not guarantee the accuracy of any such information.

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

HSBC Swift Guard Critical Illness Plan

Get refundable premium on critical illness cover

Key benefits

Extensive critical illness coverage

Extended coverage for the unexpected

Guaranteed full premium refund

More protection at a lower cost

Special offers— Enjoy up to 12% off

What's right for me?

Critical illness or medical insurance?

How much protection do I need?

How to apply

Eligibility

Useful documents

Talk with us

Find out more

Can you summarise the plan for me?

Are any additional benefits included in this policy?

What are the 76 critical illnesses and 4 specified conditions covered under this plan?

What's the difference between HSBC Swift Guard Critical Illness Plan and other medical insurance plans?

What is benefit ratio and how is it calculated?

Can I renew my policy after the 10 years?

Make a claim

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Notes

Disclaimer

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