How our life and critical illness products compare

Adviser area– If you’re a customer please visit the customer section

Meeting your clients’ protection needs

Click to view page: Protecting your clients with families
Helping your clients, including younger families to protect their financial needs today and tomorrow in the event of a serious illness or an early death
Click to view page: Protecting your self-employed clients
With no sick pay, how long would your clients manage if they we're unable to work due a serious illness?
Click to view page: Home owners with mortgages
Protecting the outstanding repayments of a mortgage in the event of your client’s early death

Click to view page: People in company schemes
For those looking to add to their company’s Death in Service benefits
Click to view page: Later life estate planning
For older clients looking to leave assets or legacies after their death
Click to view page: Health & Wellbeing Centre
For additional peace of mind your clients will also have access to HSBC Life Online Health Services

At a glance

We have a selection of protection products for life and critical illness cover, designed to meet the needs of your clients and their families.

Death Benefit

HSBC Life Protection

HSBC Critical Illness

HSBC Critical Illness Plus

HSBC Life and Critical Illness

HSBC Life and Critical Illness Plus

Terminal Illness Benefit

HSBC Life Protection

HSBC Critical Illness

HSBC Critical Illness Plus

HSBC Life and Critical Illness

HSBC Life and Critical Illness Plus

Critical Illness Benefit

HSBC Life Protection

HSBC Critical Illness

HSBC Critical Illness Plus

HSBC Life and Critical Illness

HSBC Life and Critical Illness Plus

Critical Illness Benefit

HSBC Life Protection

HSBC Critical Illness
The lower of £25,000 or 25% of the sum assured

HSBC Critical Illness Plus
The lower of £50,000 or 50% of the sum assured

HSBC Life and Critical Illness
The lower of £25,000 or 25% of the sum assured

HSBC Life and Critical Illness Plus
The lower of £50,000 or 50% of the sum assured

Increase policy cover amount

HSBC Life Protection

HSBC Critical Illness

HSBC Critical Illness Plus

HSBC Life and Critical Illness

HSBC Life and Critical Illness Plus

Interim Cover

HSBC Life Protection

HSBC Critical Illness

HSBC Critical Illness Plus

HSBC Life and Critical Illness

HSBC Life and Critical Illness Plus

Hospitalisation benefit due to accidental injury

HSBC Life Protection

HSBC Critical Illness

HSBC Critical Illness Plus

HSBC Life and Critical Illness

HSBC Life and Critical Illness Plus

Children’s Critical Illness Benefit (i)

HSBC Life Protection

HSBC Critical Illness
The lower of £25,000 or 50% of the sum assured

HSBC Critical Illness Plus
The lower of £50,000 or 50% of the sum assured

HSBC Life and Critical Illness
The lower of £25,000 or 50% of the sum assured

HSBC Life and Critical Illness Plus
The lower of £50,000 or 50% of the sum assured

Children’s Critical Illness Benefit (i)

HSBC Life Protection

HSBC Critical Illness
The lower of £25,000 or 25% of the sum assured

HSBC Critical Illness Plus
The lower of £30,000 or 50% of the sum assured

HSBC Life and Critical Illness
The lower of £25,000 or 25% of the sum assured

HSBC Life and Critical Illness Plus
The lower of £30,000 or 50% of the sum assured

Children’s Hospital Benefit

HSBC Life Protection

HSBC Critical Illness

HSBC Critical Illness Plus

HSBC Life and Critical Illness

HSBC Life and Critical Illness Plus

Children’s Bereavement Assistance

HSBC Life Protection

HSBC Critical Illness
£5,000

HSBC Critical Illness Plus
£10,000

HSBC Life and Critical Illness
£5,000

HSBC Life and Critical Illness Plus
£10,000

Separation benefit

HSBC Life Protection

HSBC Critical Illness

HSBC Critical Illness Plus

HSBC Life and Critical Illness

HSBC Life and Critical Illness Plus

	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
Terminal Illness Benefit — a lump sum payment on earlier Diagnosis of a Terminal Illness
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
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		The lower of £25,000 or 25% of the sum assured	The lower of £50,000 or 50% of the sum assured	The lower of £25,000 or 25% of the sum assured	The lower of £50,000 or 50% of the sum assured
Increase policy cover amount — option to increase your cover amount in specified circumstance without the need for further underwriting
Interim Cover — if you are taking the Policy out in connection with a UK residential mortgage, free cover is provided until your policy commences
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
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		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) — (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		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 — £100 per day where a dependent child is required to stay in hospital between 7 and 30 consecutive nights
Children’s Bereavement Assistance — a lump sum payment to assist with costs in relation to death of any dependent Child/Children during the Policy term		£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
	Optional benefits
Total Permanent Disability
Waiver of Premium — 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.

(i) Children’s Critical Illness Benefit covers any Child of a Life Insured (including natural, step and legally adopted Children of the Life Insured).

Please note: This 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, can be found in the Policy Booklet.

What critical illness conditions are covered?

HSBC Life Online Health Services

Clients can access a world of healthcare from their phone, anytime, wherever they are.

Watch our Online Health Services video

Available for all existing and new policies, your clients will enjoy access to a world of healthcare from your phone, anytime, wherever you are.

Secondary Medical Opinion

HSBC Life Protection

HSBC Critical Illness / HSBC Life and Critical Illness

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HSBC Critical Illness Plus / HSBC Life and Critical Illness Plus

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Children aged 0-16 receive following cover

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Unlimited Remote GP Consultation

HSBC Life Protection

HSBC Critical Illness / HSBC Life and Critical Illness

HSBC Critical Illness Plus / HSBC Life and Critical Illness Plus

Children aged 0-16 receive following cover

Prescription Services

HSBC Life Protection

HSBC Critical Illness / HSBC Life and Critical Illness

HSBC Critical Illness Plus / HSBC Life and Critical Illness Plus

Children aged 0-16 receive following cover

Physiotherapy

HSBC Life Protection

HSBC Critical Illness / HSBC Life and Critical Illness

HSBC Critical Illness Plus / HSBC Life and Critical Illness Plus

Children aged 0-16 receive following cover

Mental Health Support

HSBC Life Protection

HSBC Critical Illness / HSBC Life and Critical Illness

HSBC Critical Illness Plus / HSBC Life and Critical Illness Plus

Children aged 0-16 receive following cover

Annual Health MOT

HSBC Life Protection

HSBC Critical Illness / HSBC Life and Critical Illness

HSBC Critical Illness Plus / HSBC Life and Critical Illness Plus

Children aged 0-16 receive following cover

	HSBC Life Protection	HSBC Critical Illness / HSBC Life and Critical Illness	HSBC Critical Illness Plus / HSBC Life and Critical Illness Plus	Children aged 0-16 receive following cover
Secondary Medical Opinion
Unlimited Remote GP Consultation
Prescription Services
Physiotherapy
Mental Health Support
Annual Health MOT

Policy Booklets

Click to view page: HSBC Life Protection – Opens in a new window
Download the Policy Booklet to find out more about cover options and benefits
Click to view page: HSBC Critical Illness – Opens in a new window
Download the Policy Booklet to find out more about cover options, conditions covered and benefits
Click to view page: HSBC Life and Critical Illness – Opens in a new window
Download the Policy Booklet to find out more about cover options, conditions covered and benefits
Click to view page: HSBC Life Online Health Services – Opens in a new window
A full summary of the 6 key services is in our Adviser Factsheet
(pdf 1 B) 13 Sep 2023

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