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HSBC Swift Guard Critical Illness Plan

Extensive coverage against 76 critical illnesses including cancer, heart disease and stroke and 4 conditions — plus a full premium refund if no claims are made by the end of the policy term

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

Extensive critical illness coverage

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

Extended coverage for the unexpected

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

Guaranteed full premium refund

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

More protection at a lower cost

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.

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.

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