HSBC Life Benefits+ Medical Insurance Plan is a one-stop group medical solution that provides you with an extensive range of basic benefits and optional supplementary benefits, which you can mix and match to assemble group policies that mirror the needs of your best people. After all, when talented employees are motivated by strong benefits to go above and beyond, the one who benefits the most is the employer.
- |
-
Everyday banking
Accounts & services
Everyday banking
Everyday banking
Streamline day-to-day finance with HSBC’s business integrated accounts, deposit and investment solutions, foreign exchange services, commercial cards and multichannel support.
-
Business Integrated Accounts
About Business Integrated Accounts
Simplify management of business finances with HSBC’s integrated account solutions.
-
Commercial Cards
About Commercial Cards
Enjoy free access to over 70 Plaza Premium Lounges worldwide and other card privileges for making business travel more rewarding.
-
Deposit and Investment
About Deposit and Investment
Maximise returns from surplus funds with time deposit accounts and capitalise on market opportunities by trading securities online.
-
Foreign Exchange
About Foreign Exchange
Save time and money with HSBC’s foreign exchange services. Enjoy real-time foreign exchange rates via Business Internet Banking and HSBCnet.
-
Ways to bank
About Ways to bank
Access HSBC’s expertise with our extensive suite of banking solutions including specialty banking centres, internet banking, phone and self-service banking.
-
Business Integrated Accounts
- |
-
Financing & credit cards
Credit facilities
Financing & credit cards
Financing & credit cards
Maximise working capital and improve cash flows with a wide range of financing, import and export financing, and commercial card solutions.
-
Commercial Cards
About Commercial Cards
Enjoy free access to over 70 Plaza Premium Lounges worldwide and other card privileges for making business travel more rewarding.
-
Commercial Lending
About Commercial Lending
Improve cash flow, cover expenses and plan for business growth with HSBC’s flexible finance and borrowing options.
-
Exports
About Exports
Get faster access to payments and improve cash flows while also managing the risks associated with international trade more effectively.
-
Imports
About Imports
Get access to working capital and provide suppliers payment assurances to keep sales and supply chains moving smoothly.
-
Receivables Finance
About Receivables Finance
Trade on open account terms with confidence and turn receivables into cash faster by collecting a percentage of invoices upon issuance.
-
Commercial Cards
- |
-
Payments
Make & receive
Payments
Payments
Make payments anywhere around the world quickly, easily and securely with HSBC’s international and domestic payment and commercial card solutions.
-
Commercial Cards
About Commercial Cards
Enjoy free access to over 70 Plaza Premium Lounges worldwide and other card privileges for making business travel more rewarding.
-
Foreign Exchange
About Foreign Exchange
Minimise the risk of doing business internationally and get better rates online with HSBC’s wide range of foreign exchange services.
-
International and Domestic Payments
About International and Domestic Payments
Make payments at home and around the world with a range of convenient domestic, cross-border and Asia Pacific specific options.
-
Payment Services
About Payment Services
Simplify processes with HSBC’s range of convenient payment services to help streamline payments, reduce risk exposure and lower processing costs.
-
Receivables Services
About Receivables Services
Accelerate funds availability and improve cash flows with multiple collection channels while consolidating information to simplify reconciliation and improve decision-making.
-
Commercial Cards
- |
-
Protection & investment
Insurance & yield enhancement
Protection & investment
Protection & investment
Safeguard your business with HSBC’s insurance and investment solutions to minimise risk exposure and capture growth potential of liquidity.
-
Business Insurance
About Business Insurance
Minimise your business’ financial exposure with comprehensive business insurance solutions – from protecting valuable business assets to complying with regulatory requirements.
-
Employee Benefits & MPF
About Employee Benefits & MPF
Meet the diverse protection and medical needs of your employees with our HSBC Life Benefits+ Medical and Benefits+ Life Insurance Plans designed for SMEs and corporates. What’s more, you can simplify retirement planning with our pensions services teams who will guide you through the process.
-
Equity
About Equity
Trade local securities and apply for Hong Kong IPO shares online to capitalize on market opportunities.
-
Fixed Income
About Fixed Income
Earn regular interest income and preserve capital with Certificates of Deposit (CDs) and bonds available in a variety of currencies.
-
FX
About FX
Earn a potential higher rate of return with our structured investment products, available in a variety of currencies with flexible tenors.
-
Life Protection
About Life Protection
Safeguard your business and your legacy with life protection insurances that can also be used as valuable employee benefits.
-
Trade Related Insurance
About Trade Related Insurance
Safeguard your supply and sales chain by minimising the risk of bad debt and loss of goods in transit.
-
Unit Trusts
About Unit Trusts
Invest in a mix of securities, bonds, currencies and commodities in markets around the world with Unit Trusts
-
Business Insurance
- |
-
Import & export
Trade services
Import & export
Import & export
Leverage HSBC’s trade network and range of import and export solutions to do business around the world safely and securely.
-
Exports
About Exports
Get faster access to payments and improve cash flows while also managing the risks associated with international trade more effectively.
-
Guarantee
About Guarantee
Conduct business with confidence, even where you lack established relationships.
-
Imports
About Imports
Get access to working capital and provide suppliers payment assurances to keep sales and supply chains moving smoothly.
-
Open Account
About Open Account
For buyers and suppliers trading on open account terms, HSBC offers a range of safe, secure import and export finance options.
-
Receivables Finance
About Receivables Finance
Trade on open account terms with confidence and turn receivables into cash faster by collecting a percentage of invoices upon issuance.
-
Trade Related Insurance
About Trade Related Insurance
Safeguard your supply and sales chain by minimising the risk of bad debt and loss of goods in transit.
-
Exports
- |
Take care of your people, and they will take care of your business
Exclusive offers
Offer One – Enjoy a Switcher Discount
HSBC Commercial Banking customers who successfully switch their existing group medical policies from another insurance company1 to HSBC Life Benefits+ Medical Insurance Plan during designated period2 can enjoy a switcher discount.
In this offer, “switcher discount” means a waiver of standard premium loading on the HSBC Life Benefits+ Medical Insurance Plan policy (with policy effective date between 1 February 2021 and 31 May 2021), details as follow:
- 15% standard premium loading is waived for switching packaged plans
- 20% standard premium loading is waived for switching tailor-made plans
1. For this offer, “another insurance company” does not include AXA General Insurance Hong Kong Limited and all other AXA’s corporate entities.
2. The policy effective date of the HSBC Life Benefits+ Medical Insurance Plan policy must be between 1 February 2021 and 31 May 2021 (both dates inclusive). The HSBC Commercial Banking customer must remain an existing HSBC Commercial Banking customer on the policy effective date of the HSBC Life Benefits+ Medical Insurance Plan policy.
Offer is subject to Terms and Conditions. Exclusions apply.
Offer Two – Complimentary Special Benefits for COVID-19
For HSBC Commercial Banking customer who takes out a new HSBC Life Benefits+ Medical Insurance Plan (with policy effective date between 1 February 2021 and 31 July 2021, both dates inclusive), the Insured Persons under the policy will also receive the following Complimentary Special Benefits for COVID-19, with cover guaranteed for the first policy year.
| Benefit | Benefit Description | Benefit Coverage |
|---|---|---|
| Diagnosis Benefit | If the Insured Person is diagnosed with COVID-19 by a Registered Medical Practitioner, we will provide a lump sum payment as Diagnosis Benefit. | Benefit amount HKD20,000 |
| Hospital Cash Benefit | If the Insured Person is admitted to Hospital due to COVID-19 upon the recommendation of a Registered Medical Practitioner, a daily hospital cash will be paid. | Benefit amount HKD1,000 per day (up to 45 days) |
Terms and conditions apply. Exclusions apply.
Features and benefits
Flexible coverage for companies of different sizes
- Companies with 2 or more employees may have the flexibility to mix-and-match benefits1 to suit their needs.
Different combinations of optional benefits and coverage levels
- A total of 6 levels of basic hospitalisation benefits, giving you more options to customise the coverage.
- 6 types of optional benefits with different levels of coverage.
Simple application
- Enrolment for the plan is simple, with minimal administrative work required.
- Individual health declarations for new employees are waived if your policy covers 6 or more employees.
Simple premium structure
- Premiums are calculated at a flat rate based on the specific plans your employees and their dependents are enrolled in.
Transfer of coverage for protection
- With additional underwriting, coverage of injuries and/or illnesses by an existing group medical policy from another service provider may be transferred to HSBC Life Benefits+ Medical Insurance Plan.
Deposit-free admission in mainland China
- The insured person can be admitted to a designated hospital in mainland China without paying an admission deposit in advance.
Access to an extensive medical network for outpatient benefits
- Through our network of approximately 2,000 panel doctors in Hong Kong, the insured person is connected to a vast pool of medical experts, including general practitioners, specialists, physiotherapists and registered Chinese medicine practitioners.
- Cashless arrangement for outpatient treatments within our extensive network of doctors and medical facilities.
The information shown above is intended as a general summary. Please see product summary, important notes and key risks in the product brochure. For product details, terms, conditions and exclusions, please refer to the relevant policy contracts, product brochures and proposals.
HSBC Life Benefits+ app
HSBC Life Benefits+ app is a one-stop health and wellness digital platform that gives your employees an enriching experience.
Your employees, as an HSBC Life Benefits+ member, can review their medical insurance benefits, manage their claims and see tailored health and wellness recommendations on how to improve their lifestyle. All with just a few taps on the HSBC Life Benefits+ app.
Watch this video for a quick tour of the app:
Click here to understand more.
Download the app2 now:
Or log on to HSBC Life Benefits+ online
End Notes
- The benefits provided are strictly subject to the agreement between HSBC Life (International) Limited and the designated service provider.
- Apple, the Apple logo, iPhone, Touch ID and Face ID are trademarks of Apple Inc., registered or in the process of being registered in the US and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Android is a trademark of Google LLC.
Disclaimers
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 Life Benefits+ Medical Insurance Plan (“The Plan”) is underwritten by the Company. It is a product of the Company but not HSBC and it is sold through HSBC and is only intended for sale in the Hong Kong SAR. HSBC has not authorised or appointed any intermediaries to conduct telesales marketing activities for promotion of insurance plans.
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 you out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the above insurance product should be resolved between the Company and you directly.
This webpage contains general information only. It does not constitute any offer for any insurance product. The above information does not contain the full terms of the policy. The full terms can be found in the policy contract. For product details, terms, conditions and exclusions, please refer to the relevant policy contracts, product brochures and proposals.
The Company and HSBC do not make it an obligation on you to download, nor do the Company and HSBC recommend or endorse, any Quick Response Code Reader (“QR Code Reader”). The download and/or use of a QR Code Reader is at your entire discretion and risk. The QR Code Reader is provided by a third party to which the Company and HSBC have no affiliation or control over and hence the Company and HSBC cannot be held responsible for any loss or damage suffered by you resulting from your download and/or use of the QR Code Reader.
Issued by HSBC Life (International) Limited (Incorporated in Bermuda with limited liability)