Meeting your clients’ protection needs
-
Click to view page: Protecting your clients with families
Helping your clients, including younger families to protect their financial needs today and tomorrow in the event of a serious illness or an early death
-
Click to view page: Protecting your self-employed clients
With no sick pay, how long would your clients manage if they we’re unable to work due a serious illness?
-
Click to view page: Home owners with mortgages
Protecting the outstanding repayments of a mortgage in the event of your client’s early death
-
Click to view page: People in company schemes
For those looking to add to their company’s Death in Service benefits
-
Click to view page: Later life estate planning
For older clients looking to leave assets or legacies after their death
-
Click to view page: Health & Wellbeing Centre
For additional peace of mind your clients will also have access to HSBC Life Online Health Services
At a glance
We have a selection of protection products for life and critical illness cover, designed to meet the needs of your clients and their families.
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 of the sum assured on diagnosis of one of the specified Critical Illnesses or when you undergo a specified surgical procedure | |||||
Critical Illness Benefit — (additional payment condition) – a specified lump sum payment on diagnosis of one of the specified Critical Illnesses or when you undergo a specific 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 specified 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 specified 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 25% of the sum assured | The lower of £30,000 or 50% of the sum assured | The lower of £25,000 or 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 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 |
- * 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.
HSBC Life Online Health Services
Clients can access a world of healthcare from their phone, anytime, wherever they are
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 |
Policy Booklets
Click to view page: HSBC Life Protection – Opens in a new window
Download the Policy Booklet to find out more about cover options and benefits
(pdf 162.62 KB) 09 Oct 2020Click to view page: HSBC Critical Illness – Opens in a new window
Download the Policy Booklet to find out more about cover options, conditions covered and benefits
(pdf 1.71 MB) 15 Oct 2020Click to view page: HSBC Life and Critical Illness – Opens in a new window
Download the Policy Booklet to find out more about cover options, conditions covered and benefits
(pdf 432.46 KB) 15 Oct 2020Click to view page: HSBC Life Online Health Services – Opens in a new window
A full summary of the 6 key services is in our Adviser Factsheet
(pdf 136.6 KB) 14 Oct 2020