Give yourself and your family the best
Don’t let the unexpected leave you unprepared. Family Protector consists of term life protection and your choice of cover from critical illness to hospital cash.
Key benefits

Comprehensive protection
Life coverage of up to HKD7 millionFootnote link 1, no health examination needed!

Top up your protection
Pay extra to add up to 4 of these benefits to your plan: accidental death, critical illness, cancer, child protection, and hospital cash

Easy to budget for
The monthly premiums for your basic plan and additional benefits are at a fixed rate that's adjusted every 10 yearsFootnote link 2

Apply online easily
Apply in just a few simple steps, on your computer or your phone, any time

Show your care with coverage that lasts: Use code ‘FAMILY’ to enjoy more than 80% off your first-year premium!
- Express your love with protection that endures from HSBC Life! Apply online with the promo code 'FAMILY' to enjoy a 10-month premium waiver for the first year. T&Cs apply This link will open in a new window.
- Join the Well+ 'Get Insured Online Challenge' to earn a premium rebate of up to $300 RewardCash. T&Cs apply This link will open in a new window.
*Average monthly premium in first year is calculated by the total first-year premium minus total premium waiver and divided by 12 months.
The amount shown includes the levy and is subject to rounding adjustments. It is indicative and for reference only.
Enhance your cover with additional benefits
Additional benefits | What you get |
From |
Policy documents |
---|---|---|---|
Critical illness and cancer protection |
Additional lump sum to spend at your discretion if diagnosed with a critical illness. Choose the cancer or critical illness benefit, and from 3 coverage levels: HKD500,000, HKD1 million or HKD1.5 million. |
From HKD1.69 / dayFootnote link 3 for critical illness coverage of HKD1.5 million | |
Hospital cash benefit | Daily cash payments of either HKD800 or HKD1,600 if you are hospitalised, per your coverage level. Get double the amount if you need intensive care or are hospitalised abroadFootnote link 4. | From HKD2.72 / dayFootnote link 5 for daily hospital cash payments of HKD1,600 |
Hospital cash benefit policy provisions (PDF, 258KB) |
Child protection | HKD500,000 death benefit, HKD500,000 cancer benefit payable upon a cancer diagnosis, and a hospital cash benefit of HKD400 a day per any one period of the covered disabilityFootnote link 6 for each of the insured's childrenFootnote link 7 (including any they may have in the future). | For just HKD3.26 / day | Child protection policy provisions (PDF, 277KB) |
Accidental death benefit | An additional coverage, equivalent to 50% of the basic plan, for your beneficiaries if you pass away from an accident. |
From HKD0.04 / dayFootnote link 8 | Accidental death benefit policy provisions (PDF, 240KB) |
Additional benefits | Critical illness and cancer protection |
---|---|
What you get |
Additional lump sum to spend at your discretion if diagnosed with a critical illness. Choose the cancer or critical illness benefit, and from 3 coverage levels: HKD500,000, HKD1 million or HKD1.5 million. |
From |
From HKD1.69 / dayFootnote link 3 for critical illness coverage of HKD1.5 million |
Policy documents | |
Additional benefits | Hospital cash benefit |
What you get |
Daily cash payments of either HKD800 or HKD1,600 if you are hospitalised, per your coverage level. Get double the amount if you need intensive care or are hospitalised abroadFootnote link 4. |
From |
From HKD2.72 / dayFootnote link 5 for daily hospital cash payments of HKD1,600 |
Policy documents | Hospital cash benefit policy provisions (PDF, 258KB) |
Additional benefits | Child protection |
What you get |
HKD500,000 death benefit, HKD500,000 cancer benefit payable upon a cancer diagnosis, and a hospital cash benefit of HKD400 a day per any one period of the covered disabilityFootnote link 6 for each of the insured's childrenFootnote link 7 (including any they may have in the future). |
From |
For just HKD3.26 / day |
Policy documents | Child protection policy provisions (PDF, 277KB) |
Additional benefits | Accidental death benefit |
What you get |
An additional coverage, equivalent to 50% of the basic plan, for your beneficiaries if you pass away from an accident. |
From |
From HKD0.04 / dayFootnote link 8 |
Policy documents | Accidental death benefit policy provisions (PDF, 240KB) |
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How to apply
Eligibility
To apply for HSBC Family Protector, you'll need to meet all these requirements:
- be agedFootnote link 9 between 19 and 60
- hold an existing HSBC HKD bank account or credit card
- apply with the HKID you used to open your HSBC account
- meet our requirements for nationality (country/region/territory), address and residency such as restrictions on US, mainland China and Japan—which may be subject to change from time to time
HSBC Family Protector is a term life insurance plan with no savings element underwritten by HSBC Life (International) Limited. It is not equivalent or similar to bank deposit. Policyholders are subject to HSBC Life's credit risk.
Useful documents
Apply now
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Hassle free claims
We understand the importance of getting a timely claim. Find out more about our easy online submission or get personalised help with your claims.
Notes
- Subject to the policy's underwriting limit.
- Based on a non-smoking male agedFootnote link 9 19 for a protection amount of HKD1,500,000 under the critical illness benefit. This figure is subject to rounding adjustment. The actual amount of the premium is decided at the discretion of HSBC Life.
Daily cash payments to be paid for up to a maximum of 730 days for any one period of the covered disability.
You'll receive half of the daily cash payments if you're hospitalised in mainland China.
- Based on a non-smoking male agedFootnote link 9 19 for a daily cash payment of HKD1,600 per day under the hospital cash benefit. This figure is subject to rounding adjustment. The actual amount of the premium is decided at the discretion of HSBC Life.
- Disabilities refer to injury, sickness, disease or illness. These include all disabilities arising from the same cause, including any and all resulting complications, except those that do not require any further treatment 90 days after the last medical treatment or consultation. Any subsequent disability from the same cause will be considered a separate disability.
- For all your biological, step or legally adopted children agedFootnote link 9 between 15 days after birth to 18 years.
- Based on a non-smoking female agedFootnote link 9 19 for a sum insured of HKD1,000,000 for the basic plan. The benefit payable is HKD500,000, which is equivalent to 50% of the basic sum insured. The figure is subject to rounding adjustment. The actual amount of the premium is decided at the discretion of HSBC Life.
- The age refers to the age the insured person or policyholder, whichever is applicable, will be on their next birthday.
- If any of your nominated beneficiaries fall under the relationship status of grandchildren, grandparents, stepchildren, step parents, step brother, step sister, cohabiting or non-cohabiting partner, you'll be required to submit the relevant declaration or documents as proof of an insurable relationship between the life insured and the nominated beneficiaries. Please refer to the relevant declaration form for nominating a non-cohabiting partner or the form for all other relationships listed. For more information and requirements, you can also visit our 'Love Bonds Us All' page.
- Cash withdrawals are subject to a surrender charge in the first eight policy years. Please refer to 'Surrender charge' under 'Details of Charges' in the product brochure for details.
- If the death benefit is paid between years, the payment will be determined up to a completed month and on a pro-rata basis.