Protection products

You can’t choose your family, but you can choose how to protect them

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Meeting your protection needs

Our cover can’t save a life or cure you of a critical illness, but it can help protect you and your loved ones from unnecessary financial burden.

Discover our selection of Life and Critical Illness products to see what meets your individual requirements.  Whether it’s protecting your mortgage or looking to leave assets or legacies, we are here to help.

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Compare our products

	HSBC Life Protection	HSBC Critical Illness	HSBC Critical Illness Plus	HSBC Life and Critical Illness	HSBC Life and Critical Illness Plus
Death Benefit — a lump sum payment on death
*Terminal Illness Benefit — a lump sum payment on earlier Diagnosis of a Terminal Illness
Critical Illness Benefit — (full payment condition) – a lump sum payment on diagnosis of one of the specified Critical Illnesses or when you undergo a specified surgical procedure
Critical Illness Benefit — (additional payment condition) – a specific lump sum payment on diagnosis of one of the specific Critical Illnesses or when you undergo a specific surgical procedure		The lower of £25,000 or 25% of the sum assured	The lower of £50,000 or 50% of the sum assured	The lower of £25,000 or 25% of the sum assured	The lower of £50,000 or 50% of the sum assured
Increase policy cover amount — option to increase your cover amount in specified circumstance without the need for further underwriting
Interim Cover — if you are taking the Policy out in connection with a UK residential mortgage, free cover is provided until your policy commences
Hospitalisation benefit due to accidental injury — a £5,000 lump sum payment following an accident that results in physical injury which requires the Life Insured to stay in hospital for 30 or more consecutive days
Children’s Critical Illness Benefit (i) — (full payment condition) – a specific lump sum payment upon diagnosis of a specified Critical Illnesses or a specified surgical procedure relating to a dependent child		The lower of £25,000 or 50% of the sum assured	The lower of £50,000 or 50% of the sum assured	The lower of £25,000 or 50% of the sum assured	The lower of £50,000 or 50% of the sum assured
Children’s Critical Illness Benefit (i) — (additional payment condition) – a specific lump sum payment upon diagnosis of a specified surgical procedure relating to a dependant		The lower of £25,000 or 25% of the sum assured	The lower of £30,000 or 50% of the sum assured	The lower of £25,000 0r 25% of the sum assured	The lower of £30,000 or 50% of the sum assured
Children’s Hospital Benefit — £100 per day where a dependent child is required to stay in hospital between 7 and 30 consecutive nights
Children’s Bereavement Assistance — a lump sum payment to assist with costs in relation to the death of any dependent Child/Children during the Policy term		£5,000	£10,000	£5,000	£10,000
Separation benefit — in the event that the Lives Insured separate, under this benefit a joint Policy can be split into two single Policies without the need for any further medical information, allowing the Lives Insured the option to continue their cover independently
	Optional benefit
Total Permanent Disability

*Note: Terminal Illness claims for our HSBC Life Protection Policy cannot be made within the last 18 months of the Policy term.

(i) Children’s Critical Illness Benefit covers any Child of a Life Insured (including natural, step and legally adopted Children of the Life Insured).

Please note: This table is for illustration purposes only and does not replace the full product terms and conditions. These, along with full details of the policy features and benefits, can be found in the Policy Booklet.

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HSBC Life Online Health Services

Access a world of healthcare from your phone, anytime, wherever you are. Your options will depend on which type of HSBC Life cover you have taken out. These services are available for existing and new policies.

	HSBC Life Protection	HSBC Critical Illness	HSBC Critical Illness Plus	HSBC Life and Critical Illness	HSBC Life and Critical Illness Plus
Second Medical Opinion
Remote GP Consultation
Prescription Services
Physiotherapy
Mental Health Support
Health MOT

• HSBC Life Online Health Services do not form part of your insurance policy and HSBC Life have the right to change or remove these additional health services at any time. Such a decision will not affect your insurance cover with HSBC Life in any way.

Policy Booklets

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