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Medical and critical illness insurance

Safeguard yourself against unexpected medical expenses and critical illnesses

Comprehensive health insurance for your medical and critical illness protection needs

Whether you're looking for comprehensive hospitalisation and critical illness coverage, outpatient care or accident insurance, we're here to support you. Some of our plans also offer tax relief in addition to extensive protection.

Choose the right plan for your needs

Support when you're hospitalised

Be compensated for your expenses relating to hospitalisation due to an accident or illness

Coverage for severe illnesses

Receive a lump sum that you can use at your discretion to cover unexpected costs from severe illnesses including cancer and heart disease

Outpatient visit and accident claims

Get reimbursement for outpatient visits to general practitioners and other specialists, or receive a lump sum in the event of an accident to help with treatment or living expenses

Coverage for hospitalisations


A voluntary health insurance plan offering full coverage[@fullcoverage] on medical expenses, annual benefits of HKD5 million or more, and tax savings—available online


An essential standard voluntary health insurance plan offering annual benefits of up to HKD420,000 to cover your basic healthcare needs and tax savings


A hospital cash insurance plan that provides daily cash payments

Coverage for critical illnesses


Extensive coverage against 76 critical illnesses including cancer, heart disease and stroke and 4 conditions—plus a full premium refund[@totalbasicplanpremiumpaid4] if no claims are made by the end of the policy term


A critical illness insurance plan that provides adjustable coverage and lump sum payment upon cancer diagnosis


A medical insurance plan that gives access to world-class medical centers in USA

Other types of coverage


An outpatient insurance plan that provides extensive network in Hong Kong, Macau and  Mainland China


An accident insurance that provides a cash lump sum benefit and medical expenses coverage relating to an accident

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Medical (VHIS) or critical illness insurance, either one or both?

Subscribe to “Your one-stop guide to getting insured”, learn important facts and tips about the two insurance types within two weeks, so you and your family can stay protected.

Talk with us

About VHIS plans and Swift Guard

Got questions or looking to apply? Call us on (852) 2233 3130. Lines are open 11:00am to 7:30pm, Mondays to Fridays except public holidays.

You can also get a quote and apply online for our VHIS Flexi Plan or Swift Guard Critical Illness Plan right away.

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.

About other plans

To ask us about and to apply for other medical insurance plans, please visit us.

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    The life insurance products above are underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. Policyholders are subject to the credit risk of HSBC Life and early surrender loss.

    General insurance products are underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR.

    These products are not a bank deposit or bank savings plan. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

    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 agency of HSBC Life for the distribution of life insurance products and AXA for distribution of general insurance products in the Hong Kong Special Administrative Region. These products are products of HSBC Life and AXA but not HSBC and they are intended only for sale in the Hong Kong SAR.

    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 HSBC Life or AXA and you directly.