HSBC Insurance products

Variable Annuity

• Capital guaranteed

• Benefit from market upsides /protection when market falls

• Guaranteed monthly payouts

Emerald Legacy Life

• Basic Coverage

• Maximum Value

• Replacement of Life Insured

Emerald Legacy Life II

• Whole of Life Coverage

• Replacement of Life Insured

• Quit Smoking Incentive to help you live healthier

ValueLife Insurance

• Enjoy potential cost savings as your responsibilities in life evolve

• Guaranteed lifetime protection with a limited premium paying term

• Guaranteed refund of premiums

• Guaranteed maturity benefit

ValueTerm Insurance

• Affordable protection

• Disability coverage

• Level premiums

• Flexibility to enhance your coverage

Wealth Builder

• Build wealth through long-term accumulation

• Flexibility to build the plan according to your preference

• Policy continuity to ensure the cash value keeps growing

Retirement Income II

• Full flexibility, retire on your own terms

• Secure your retirement plan with in-built benefits

• Additional income in the event of unexpected illnesses

Savings Protector II

• Protecting your commitments

• Guarantee capital even during market downturn

• Flexibility to meet your goals

Goal Builder

• Optimise wealth growth with a range of funds and unlimited fund switching

• Enjoy peace of mind with lifelong protection

International Health Insurance

• Hospital charges incurred during an in-patient hospital stay are covered, giving you peace of mind throughout your hospital treatment

• Out-patient benefits including cover for general practitioner and specialist consultations, prescribed drugs and dressings and necessary diagnostic tests, and vaccinations up to the limits shown

• Depending on where in the world you reside, travel to or wish to receive treatment, there are 3 geographical areas of cover designed to suit your needs: Asia, Worldwide excluding USA, and Worldwide

Health Insurance

• Reimburses you in full up to the annual limit for all your eligible expenses

• We also go the extra mile to give you a wider range of benefits

Early Critical Care Insurance

• Covers 102 conditions

• Provides 100% payout even for early stage critical illness

• Covering illnesses not commonly insured in Singapore

• Affordable premiums and comprehensive coverage

Home Content Insurance

• HomeSurance Classic indemnifies you should you be liable to pay compensation for bodily injury or damage to property up to SGD1,000,000

• Protect you and your family assets and valuables from fire, burglary and accidental damage

• You need not go through the inconvenience of itemising your possessions at the point of application

Mortgage Protector Insurance

• With a wide range of terms available from 10 to 40 years, and interest rate from 1% to 10% to match your mortgage plan.

• Premium payment term will end four years before the end of policy term, while you continue to enjoy full coverage.

• Option to pay your premiums in yearly, half-yearly, quarterly or monthly instalments.

Personal Accident Insurance

• Outpatient medical bills will be covered. Double cover for hospitalisations exceeding 48 hours. Letter Of Guarantee can be arranged for overseas hospitalisations if need be.

• Pays for the doctor and/or nurse to make home visit to nurse you back to health if you are immobile.

• Pays the cost to modify your home or vehicle to aid with your disability.

• Pays an additional 50% of the death benefit if occurs overseas.

• Your children enjoy complimentary 20% of your cover (of 1 parent).

• 10% Family Discount, when you and your spouse are covered in the same policy.

Travel Insurance

• Pays up to S$300,000 whilst overseas and up to S$10,000 post-trip

• Pays double the daily benefit if you are confined in the ICU whilst overseas

• Call our emergency hotline at +65 6322 2566 if you require medical evacuation or need assistance on your lost passport whilst overseas

• Pays up to S$6,000 reimbursement for trip cancellation or trip curtailment

• Pays up to an additional 50% of the Sum Insured, when your trip has to be cancelled or curtailed due to a natural disaster

• Covers you if you are injured whilst participating in adventurous activities for leisure purpose during a trip