From now to 31 March 2023, get up to 6% off premium discount when you apply*.
*Please refer to “Terms and Conditions” for details of the offers.
From now to 31 March 2023, get up to 6% off premium discount when you apply*.
*Please refer to “Terms and Conditions” for details of the offers.
Wealth and people are your two most important assets. Giving your key employees enhanced benefits on top of their regular remuneration is one of the best ways to retain and incentivise them to reach even higher levels of performance for your business.
HSBC Health Goal Insurance Plan is designed to give you the versatility to strengthen your company’s financial position and incentivise your best people at the same time.
HSBC Health Goal Insurance Plan is a long-term participating life insurance product with a savings element. It is underwritten by HSBC Life (International) Limited and is not equivalent or similar to any kind of deposit.
Please see product summary, important notes and key risks in the product brochure (PDF, 4.99MB).
For more details about participating policy, please refer to policy dividend leaflet (PDF, 42KB) for participating products.
Watch the video and learn more how long term life insurance solution can help to improve employee engagement and retention.
We are here to support you to protect your business. Please contact your Relationship Manager, Insurance Sales Manager or visit HSBC Business Centre for further details.
(i) Any pre-existing conditions from which the Life Insured was suffering prior to the Issue Date, the Policy Date, the effective date of last reinstatement or the effective date of Change of Life Insured provided that the Critical Illness Benefits are still eligible for claims pursuant to the policy term, whichever is the latest; or
(ii) Any illness contracted by the Life Insured within the first ninety (90) days following the Issue Date, the Policy Date, the effective date of last reinstatement or the effective date of Change of Life Insured provided the Critical Illness Benefits are available pursuant to the policy term, whichever is the latest; or
(iii) Intoxication by drugs not prescribed by a Registered Medical Practitioner or abuse of alcohol; or
(iv) Presence of Human Immunodeficiency Virus (HIV) infection on or before the diagnosis date of Critical Illness (except for “HIV Due to Blood Transfusion and Occupationally Acquired HIV” as defined in the policy term).
These Critical Illnesses Benefits will terminate when the life insured attains the age of 80 (ANB), payout of the relevant Critical Illnesses Benefits or the policy is terminated (whichever is earlier).
Please refer to the respective Policy Provisions for detailed terms, conditions and exclusions. You should consult with professionals or seek professional advice if you are in doubt about the definitions and exclusions.
Critical Illnesses Benefits will be transferred together with the basic plan to the new life insured provided no claims have been made under the Critical Illnesses Benefits by the original life insured. However, if any of these benefits has been claimed by the original life insured before the acceptance of change of life insured, the Critical Illnesses Benefits under this policy shall cease to operate for the new life insured.
The maturity date of the policy will also be reset to age 99 (ANB) of the new life insured. A new incontestability period will also apply. Any change of life insured may trigger consequential adjustments in the Notional Amount3, Guaranteed Cash Value, Special Bonus4 (if any), the Death Benefit and Critical Illnesses Benefits (if any). If it triggers a lower new Notional Amount3, the Policyholder may apply to increase the new Notional Amount3 for the new life insured up to the amount of the original Notional Amount3 before the change with the payment of additional premium. Any such request will be assessed on case-by-case basis and is at our discretion.
HSBC Life (International) Limited (“the Company”) is incorporated in Bermuda with limited liability, and is one of the HSBC Group’s insurance underwriting subsidiaries.
Hong Kong SAR office
18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong
The Company is authorised and regulated by the Insurance Authority to carry on long-term insurance business in the Hong Kong SAR.
The Hongkong and Shanghai Banking Corporation Limited (“HSBC”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of the Company for the distribution of insurance products in the Hong Kong SAR.
HSBC Health Goal Insurance Plan is underwritten by the Company, it is a product of the Company but not HSBC and it is only intended for sale through HSBC in the Hong Kong SAR. HSBC has not authorised or appointed any intermediaries to conduct telesales marketing activities for promotion of insurance plans.
HSBC Health Goal Insurance Plan provides guaranteed cash value and non-guaranteed special bonus. The amount of any potential special bonus will be determined by the Company when it becomes payable. If the policyholder discontinues and/or surrenders the policy in the early policy years, the amount of the policy values or benefits which may be payable to the policyholder may be considerably less than the total premiums paid.
HSBC Health Goal Insurance Plan is a long-term participating life insurance product with a savings element. It is not equivalent or similar to any kind of deposit.
The policyholder is subject to the credit risk of the Company. The premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between HSBC and the HSBC Commercial Banking Customer out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with the HSBC Commercial Banking Customer; however, any dispute over the contractual terms of the above insurance products should be resolved between the Company and the HSBC Commercial Banking Customer directly.
This webpage contains general information only. It does not constitute any offer for any insurance product. For product details, terms, conditions and exclusions, please refer to the relevant policy contracts, product brochures and proposals.
Please contact your Relationship Manager or Insurance Sales Manager for further details.
Get in touch to learn more about our banking solutions and how we can help you drive your business forward.