HSBC Bright Income Insurance Plan

HSBC Bright Income Insurance Plan offers you passive income¹, flexible cash withdrawals², health and emergency coverage, legacy planning, and dedicated retirement services – that's how you live life to the fullest.

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

• Enjoy up to 8% off your first-year premium. Offer ends on 30 June 2026. T&Cs apply (PDF).
• Enjoy preferential interest rate on time deposit when you successfully apply for this plan. T&Cs apply (PDF)

To apply for our Bright Income Insurance Plan, you'll need to meet both of these requirements:

• The insured person must be aged⁷ between 15 days after birth and age 75, depending on the premium payment period and the non-guaranteed Monthly Dividend³ payment start date you select
• The insured person must meet our criteria for nationality (country/region/territory), address and residency – which are subject to change from time to time.

HSBC Bright Income Insurance Plan is a long-term participating life insurance plan with a savings element and non-guaranteed returns. underwritten by HSBC Life (International) Limited, Macau Branch ("HSBC Life"). Part of the premium pays for the insurance and related costs. It is not equivalent or similar to any kind of bank deposit, annuity insurance products or qualifying deferred annuity policies. Policyholders are subject to HSBC Life's credit risk and early surrender loss. This product will not provide any tax deduction benefit to the policyholder.

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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.

1. The non-guaranteed Monthly Dividend (where applicable) will be paid every month via Dividend Payout. You may also choose to accumulate these dividends for a non-guaranteed interest rate as we declare at our discretion from time to time.
2. Upon the reduction of policy amount, the Total Basic Plan Premium Paid, Net Cash Value, non-guaranteed Monthly Dividend (if any) and the Protection Amount (including supplementary benefits) under this policy will be adjusted and reduced proportionally. Among other requirements as stated in the policy provisions, a minimum policy amount must be maintained after each withdrawal and this minimum policy amount is subject to change at HSBC Life's discretion from time to time.
3. The non-guaranteed Monthly Dividend (if any) will be paid every month via Dividend Payout. You may also choose to accumulate these dividends at a non-guaranteed interest rate as we declare at our discretion from time to time. Under certain circumstances, the non-guaranteed Monthly Dividend may be zero (i.e. you may receive zero dividend payment in a month). You can decide the start date of the non-guaranteed Monthly Dividend payment during your application. Please note that this is a one-time decision. Once you have made your selection, you can't change it in the future.
4. The example is based on a USD policy with a premium payment period of 3 years, non-guaranteed Monthly Dividend payment start date as Policy Year 4 (37th monthiversary).
5. Policy Amount is an amount used to determine the premiums payable under the policy, along with your cash value, special bonuses and non-guaranteed Monthly Dividend to be received under the basic plan of this Policy. It does not represent the amount of Death Benefit or cash value of your policy.
6. Each policyholder is entitled to the change of life insured of policy for unlimited times after the first policy anniversary or after the end of the premium payment period provided all premiums are fully paid when due, whichever is later. Change of life insured is subject to evidence of insurability and approval by HSBC Life which is based on the underwriting conditions of the life insured. Any such request will be assessed on case-by-case basis and is at our discretion, with consideration of multiple factors, including but not limited to the change in underlying claim risk, change in policy term, latest economic outlook.
7. This refers to the policy anniversary at which the insured person or the policyholder will be of the specified age on their next birthday.
8. After your 20th policy year, you may be able to lock in a portion of the net cash value if all premiums have been paid and there is no outstanding indebtedness.
   The amount you choose to lock in is guaranteed upon exercising the policy value management option. It 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 HSBC Life's discretion. Being able to choose this option is subject to minimum amount requirements on both the:
   1. net cash value to be allocated per transaction
   2. policy amount after exercising this option
      These requirements may be determined by HSBC Life from time to time without prior notice to the policyholder. For details, please see the policy provisions.
9. The market-first feature means the combination of (i) the Healthcare Booster feature and (ii) the Special Medical Token feature. Our "market-first" statement is based on our interpretation of currently available market information, by comparing our Plan with other similar publicly available long-term participating insurance plans issued by other Macau SAR market players as of May 2026.
10. Subject to applicable waiting period, exclusion and pre-existing conditions, the payment of Healthcare Booster under this Supplementary Benefit is an additional benefit under the Basic Plan equivalent to a maximum monthly benefit limit of USD4,000 or HKD32,000 or MOP32,000. For the avoidance of doubt, this maximum benefit limit applies collectively to all policies underwritten by us that include the Healthcare Booster insuring the same insured person. In the event that a policyholder claims Special Medical Token during the 5-year Healthcare Booster payment period, the policy will be terminated upon payment of Special Medical Token and no remaining Healthcare Booster payment will be fulfilled. Please refer to the policy provisions of Healthcare Booster for details.
11. The insured person must have survived for at least 14 days following the diagnosis.
12. If the Special Medical Token is exercised, HSBC Life will pay an amount of Special Medical Token equal to the higher of:
    1. Total Basic Plan Premium Paid¹⁷and
    2. Guaranteed Cash Value
    3. Plus Special Bonus (if any)
    4. Plus accumulated non-guaranteed Monthly Dividend³ and interest (if any)
    5. Plus Policy Value Management Balance (if any)
    6. Less any Indebtedness.
       The Special Medical Token can only be claimed once in respect of the insured person under this Policy. Once Special Medical Token has been paid, the Policy will be terminated. Please refer to the policy provisions for the detailed terms and conditions applicable to the Special Medical Token.
13. "Worldwide Care Connect" (the "Service") is provided by independent third-party service provider ("Service Provider"). HSBC Life is not the Service Provider, or its agent. HSBC Life makes no representation, warranty or undertaking as to the availability and quality of the Service, and shall not be responsible or liable for the Service provided by the Service Provider. Under no circumstances shall HSBC Life be responsible or liable for any act, omission or negligence in provision of the Service by the Service Provider. The general information provided for the Service is for reference only and shall not be considered as a medical treatment, diagnosis or recommendation. If you have any questions or enquiries, please seek advice from a registered medical practitioner. The Service are subject to change from time to time at HSBC Life's sole discretion. HSBC Life reserves the right to amend, suspend or terminate any of the Service, including the Service Provider and any details or terms and conditions relating thereto, at any time without prior notice at its absolute discretion. In the event of dispute, HSBC Life reserves the right of final decision. You may need to settle directly with the Service Providers for the Service (if applicable). For details, please contact the relevant Service Provider.
14. The insured person is eligible for Worldwide Care Connect services when they stay outside their principal country or region of residence not more than 180 consecutive days after cooling off period of the policy. Services under Worldwide Care Connect are delivered by EAHK and are subject to EAHK's terms and conditions, and the Terms and Conditions in the Value-added Service flyer. The insured person or a representative on his/her behalf must contact the 24-hour Worldwide Care Connect hotline at +852 3128 0135 for the arrangement of the services.
15. The personal information collected by Service Providers will be handled in accordance with Service Providers' own Data Privacy Notice. The Service Providers may not offer a level of protection for personal information or privacy policies equivalent to HSBC Life.
16. If you choose the monthly payments mode for a policy year, please note that your total premiums payable for that policy year will be higher than that in the annual payment mode.
17. Total basic plan premium paid means the total amount of premiums for the basic plan paid by you and received by us, together with the premiums due for the basic plan that is not actually paid as of the date of death of the insured person, or the date this policy terminates pursuant to the terms of any supplementary benefits, whichever is the earliest. For details, please see the product provisions.
18. The additional accidental death benefit will terminate when the insured person reaches the age⁷ of 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. Please refer to the policy provisions of the supplementary benefits for detailed terms and conditions of coverage and exceptions.
19. The unemployment benefit is applicable to policyholders aged between 19 and 64 who hold a Macau Identity Card. This benefit will terminate when the policyholders attains the age 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.
20. While the policy is in force, you may choose your Designated Person and specify the Designated Percentage (10% to 50% of the aggregate cash value), by submitting a written request to us in a form as prescribed by us and subject to our prevailing rules and conditions, without any policy administrative charges. For details, please refer to the policy provisions.
21. The death benefit settlement options 2, 3 and 4 are only applicable to policies without any assignment. Option 4 is not intended to and does not constitute a trust, and HSBC Life owes no fiduciary or trustee's duty to the beneficiaries. Please refer to the policy provisions for detailed terms and conditions.