Top of main content
A father and daughter are washing vegetables in kitchen; image used for HSBC Insurance products page.

HSBC Insurance products

For your life, your home or next holiday, get an online insurance quote now


A family dinning at lakeside.

Variable Annuity

  • Capital guaranteed

  • Benefit from market upsides /protection when market falls

  • Guaranteed monthly payouts

Winner of the Insurance Asia Award 2020

A father and son giving each other a high five on meadow.

Emerald Legacy Life

  • Basic Coverage

  • Maximum Value

  • Replacement of Life Insured

Father and son having good time on the boat.

Emerald Legacy Life II

  • Whole of Life Coverage

  • Replacement of Life Insured

  • Quit Smoking Incentive to help you live healthier

A woman runs after a man.

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

Kids are smiling in the car.

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

A man paddling kayak through river

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

A girl enjoying piggyback ride on father

Savings Protector II

  • Protecting your commitments

  • Guarantee capital even during market downturn

  • Flexibility to meet your goals

A grandfather and grandson are playing football.

Goal Builder

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

  • Enjoy peace of mind with lifelong protection


A couple is looking at a map on train.

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

Enjoy up to SGD600 shopping vouchers when you purchase an InternationalExclusive health insurance plan. Valid till 30th September 2022.

A kid visits doctor with her mother.

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

Enjoy SGD100 shopping vouchers when you purchase a SmartCare Optimum Enhanced insurance plan. Valid till 30th September 2022.

A doctor is discussing medical record with patient.

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


A couple is chatting on sofa.

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

From now till 31 July 2022, enjoy 40% discount and additional SGD40 worth of shopping vouchers when you purchase a HomeSurance Classic plan.

A son is hugging with his mother.

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.


Young Asian adult men playing football.

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.

From now till 31 July 2022, enjoy 10% discount and additional SGD40 worth of shopping vouchers when you purchase a SmartPA Protect+ plan.

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

From now till 31 July 2022, purchase a Wanderlust plan and enjoy:


  • 40% premium discount for all Single-Trip Plans
  • 20% premium discount and additional SGD50 worth of shopping vouchers for all Annual Multi-Trip Plans