Click to view page: Life Protection Cover
Tailor our life insurance product around your client's mortgage, other borrowing commitments, and family lifestyle requirements.
Click to view page: Life and Critical Illness Cover
Enhance your clients’ life insurance with Critical Illness Cover – includes 39 full payment conditions and 2 additional payment conditions.
Click to view page: Life and Critical Illness Plus Cover
Combine Life Cover with our enhanced Critical Illness policy for even more comprehensive protection.
Click to view page: Critical Illness Cover
Cover for 39 full payment critical illness conditions, with option to include Permanent Total Disability Benefit.
Click to view page: Critical Illness Plus Cover
Our highly acclaimed enhanced Critical Illness product covers 50 full payment conditions and 40 additional payment conditions – for total peace of mind.
Click to view page: Children's Critical Illness Cover Benefit
All our critical illness products include cover for children aged up to 23 as standard.
| 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 | Included | Not Included | Not Included | Included | Included |
| Terminal Illness Benefit — a lump sum payment on earlier Diagnosis of a Terminal Illness | Included | Included | Included | Included | Included |
| 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 | Not Included | Included | Included | Included | Included |
| 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 | Not Included | The lower of £25,000 or 25% of the sum assured | The lower of £50,000 or 50% of the sum assure | The lower of £25,000 or 25% of the sum assure | The lower of £50,000 or 50% of the sum assure |
| Increase policy cover amount — option to increase your cover amount in specified circumstance without the need for further underwriting | Included | Included | Included | Included | Included |
| Interim Cover — if you are taking the Policy out in connection with a UK residential mortgage, free cover is provided until your policy commences | Included | Not Included | Not Included | Included | Included |
| 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 | Not Included | Not Included | Included | Not Included | Included |
| Free Cover — Cover from the date we receive your application, for up to 90 days or until we accept, postpone or decline the application, whichever is earliest. | Included | Included | Included | Included | Included |
| 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 | Not Included | 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) — 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 | Not Included | 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 (i) — £100 per day where a dependent child is required to stay in hospital between 7 and 30 consecutive nights | Not Included | Not Included | Included | Not Included | Included |
| Children’s Bereavement Assistance (i) — a lump sum payment to assist with costs in relation to death of any dependent Child/Children during the Policy term | Not Included | £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 | Not Included | Included | Included | Included | Included |
| Optional benefits | |||||
| Total Permanent Disability — Provides a lump sum payment upon diagnosis, before age 65, of the Life Assured’s Loss of physical or mental ability through an illness, which results in them not being able to undertake the main duties of their own occupation ever again. If over age 65, claims are assessed against the ‘Activities of Daily Living’ criteria. | Not Included | Included | Included | Included | Included |
| Waiver of Premium Benefit — Min and max ages of 17 – 69, with deferred period of 26 weeks. Claims basis: ability to undertake Own Occupation if employed, or if not, Activities of Daily Living criteria. Claims can continue until the end of the policy term or aged 71 if earlier. | Included | Included | Included | Included | Included |
* 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, Hospital Benefit and Bereavement Assistance covers any Child of a Life Insured (including natural, step and legally adopted Children of the Life Insured) up to the age of 23.
Please note: The above 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, exclusions and limitations, can be found in the Policy Booklet.
Find out how our products support different clients, from homeowners and families to the self-employed, people in company schemes and those in later life.
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