More protection when you need it most
Family Goal Insurance Plan is a 3-in-1 solution that offers life protection and living benefits to protect yourself and your loved ones from unforeseen events. It also provides you with enhanced life coverage for the first 20 years, and potential savings appreciation towards a fulfilling retirement.
What's best for your insurance needs? Get tailored guidance from our Insurance Specialists today.
Key benefits
Enhanced cover in the first 20 years
Enjoy enhanced life protection during your first 20 policy years with a sum insured that's equivalent to around 3 times your total premiums to be paidFootnote link 1, and a non-guaranteed special bonus
Protection against cancer and disability
In the event that you're diagnosed with cancer or a disabilityFootnote link 2, you'll receive an advance paymentFootnote link 3 to cover the medical expenses; the same applies if your childFootnote link 4 is diagnosed with cancer
Potential saving appreciation
Realise potential policy value growth throughout your policy term, with the choice to lock in part of your policy value using the Policy Value Management OptionFootnote link 5
Special offers — Enjoy up to 6% off
- Enjoy up to 6% off your first-year premium, plus an additional 1.5% off for select customers. T&Cs apply (PDF) This link will open in a new window.
- Enjoy preferential interest rate on time deposit when you successfully apply for this plan. T&Cs apply (PDF) This link will open in a new window.
How to apply
Eligibility
To apply for our Family Goal Insurance Plan, you'll need to meet both of these requirements:
- be agedFootnote link 6 between 19 and 55 years, depending on the premium payment terms you select
- meet our criteria for nationality (country/region/territory), address and residency—which are subject to change from time to time
The HSBC Family Goal Insurance Plan is a whole life insurance plan with a savings element underwritten by HSBC Life (International) Limited ("HSBC Life"). It is not equivalent or similar to a bank deposit. Policyholders are subject to HSBC Life's credit risk and early surrender loss.
Talk with us
Get personalised support from our Insurance Specialists. Book a face-to-face appointment or meet with us over video.
HSBC Premier Elite or Premier customer?
Contact your Premier Elite Director or Relationship Manager. HSBC Premier customers can also call us on (852) 2233 3322.
Find out more
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Your policy at your fingertips
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Notes
- This benefit covers disability that prevents the insured person from engaging in any gainful occupation or work for a continuous period of 183 days; loss of sight in both eyes or loss of two limbs. Please refer to the respective brochures and policy provisions for detailed terms and conditions and exclusions.
- Cancer and disability (advance payment) benefit will terminate upon the 20th policy year. Your policy will terminate once we pay this benefit to you. Please refer to the relevant policy provisions for the details of terms and conditions and exclusions.
- Child refers to the life insured's biological, step or legally adopted children under ageFootnote link 9 18.
After your 20th policy year, you may be able to lock in a portion of the net cash value if there are no outstanding policy loans or premiums.
The amount you choose to lock in is guaranteed upon exercising the policy value management option. It will be allocated to the policy value management balance to accumulate at a non-guaranteed interest rate which will be adjusted from time to time at HSBC Life's discretion. Being able to choose this option is subject to minimum amount requirements on both the:
-net cash value to be allocated per transaction
-policy amount after exercising this option
These requirements may be determined by HSBC Life from time to time without prior notice to the policyholder. For details, please see the product brochure.
- The age refers to the age the insured person will be on their next birthday.
- If you choose the monthly payments mode for a policy year, please note that your total premiums payable for that policy year will be higher than that in the annual payment mode.
- The terminal illness benefit will terminate when the insured person reached the ageFootnote link 6 of 65 , or when the benefit has been paid out or the policy has been terminated, whichever is earlier. Your policy will be terminated once this benefit has been paid to you. For the detailed terms and conditions and exclusions, please refer to the relevant policy provisions.
- The age refers to the age the insured person or policyholder, whichever is applicable, will be on their next birthday.
- The unemployment benefit is applicable to policyholders agedFootnote link 9 between 19 and 64 who hold a Hong Kong Identity Card. This benefit will terminate when the policyholders attains the ageFootnote link 9 of 65 or all due premiums have been paid or the policy is terminated (whichever is earlier). Such benefit is not applicable to single premium policy. Please refer to the policy provisions of the supplementary benefits for detailed terms and conditions of coverage and exceptions.