Protection Products | Customers

Meeting your protection needs

Our cover can’t save a life or cure you of a critical illness, but it can help protect you and your loved ones from unnecessary financial burden.

When is the right time for life protection
Any time you have a new life event – your first mortgage, getting married, children, moving on
Family protection
Helping families to protect their finances today and in the future in the event of suffering a critical illness or upon death
Mortgage protection
Protecting the outstanding repayments of a mortgage in the event of your death or you suffering a critical illness
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If you need access to medical professionals or the current thinking on health and wellness issues

The self-employed
How long would you manage if you were unable to work due to a critical illness, without sick pay?
People in company schemes
If you are looking to add to your company’s Death in Service benefit, we are here to help
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Find out what is a trust, why use a trust and download our Flexible Trust form and Guide

Discover our selection of Life and Critical Illness products to see what meets your individual requirements. Whether it’s protecting your mortgage or looking to leave assets or legacies, we are here to help.

Compare our products

Death Benefit — a lump sum payment on death

Included
HSBC Life Protection
Not Included
HSBC Critical Illness
Not Included
HSBC Critical Illness Plus
Included
HSBC Life and Critical Illness
Included
HSBC Life and Critical Illness Plus

Terminal Illness Benefit — a lump sum payment on earlier Diagnosis of a Terminal Illness

Included
HSBC Life Protection
Included
HSBC Critical Illness
Included
HSBC Critical Illness Plus
Included
HSBC Life and Critical Illness
Included
HSBC Life and Critical Illness Plus

Critical Illness Benefit — (full payment condition) – a lump sum payment on diagnosis of one of the specified Critical Illnesses or when you undergo a specified surgical procedure

Not Included
HSBC Life Protection
Included
HSBC Critical Illness
Included
HSBC Critical Illness Plus
Included
HSBC Life and Critical Illness
Included
HSBC Life and Critical Illness Plus

Critical Illness Benefit — (additional payment condition) – a specific lump sum payment on diagnosis of one of the specific Critical Illnesses or when you undergo a specific surgical procedure

Not Included
HSBC Life Protection
Included
HSBC Critical Illness
The lower of £25,000 or 25% of the sum assured
Included
HSBC Critical Illness Plus
The lower of £50,000 or 50% of the sum assured
Included
HSBC Life and Critical Illness
The lower of £25,000 or 25% of the sum assured
Included
HSBC Life and Critical Illness Plus
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

Included
HSBC Life Protection
Included
HSBC Critical Illness
Included
HSBC Critical Illness Plus
Included
HSBC Life and Critical Illness
Included
HSBC Life and Critical Illness Plus

Interim Cover — if you are taking the Policy out in connection with a UK residential mortgage, free cover is provided until your policy commences

Included
HSBC Life Protection
Not Included
HSBC Critical Illness
Not Included
HSBC Critical Illness Plus
Included
HSBC Life and Critical Illness
Included
HSBC Life and Critical Illness Plus

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

Not Included
HSBC Life Protection
Not Included
HSBC Critical Illness
Included
HSBC Critical Illness Plus
Not Included
HSBC Life and Critical Illness
Included
HSBC Life and Critical Illness Plus

Children’s Critical Illness Benefit (i) — (full payment condition) – a specific lump sum payment upon diagnosis of a specified Critical Illnesses or a specified surgical procedure relating to a dependent child

Not Included
HSBC Life Protection
Included
HSBC Critical Illness
The lower of £25,000 or 50% of the sum assured
Included
HSBC Critical Illness Plus
The lower of £50,000 or 50% of the sum assured
Included
HSBC Life and Critical Illness
The lower of £25,000 or 50% of the sum assured
Included
HSBC Life and Critical Illness Plus
The lower of £50,000 or 50% of the sum assured

Children’s Critical Illness Benefit (i) — (additional payment condition) – a specific lump sum payment upon diagnosis of a specified surgical procedure relating to a dependant

Not Included
HSBC Life Protection
Included
HSBC Critical Illness
The lower of £25,000 or 25% of the sum assured
Included
HSBC Critical Illness Plus
The lower of £30,000 or 50% of the sum assured
Included
HSBC Life and Critical Illness
The lower of £25,000 0r 25% of the sum assured
Included
HSBC Life and Critical Illness Plus
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

Not Included
HSBC Life Protection
Not Included
HSBC Critical Illness
Included
HSBC Critical Illness Plus
Not Included
HSBC Life and Critical Illness
Included
HSBC Life and Critical Illness Plus

Children’s Bereavement Assistance — a lump sum payment to assist with costs in relation to the death of any dependent Child/Children during the Policy term

Not Included
HSBC Life Protection
Included
HSBC Critical Illness
£5,000
Included
HSBC Critical Illness Plus
£10,000
Included
HSBC Life and Critical Illness
£5,000
Included
HSBC Life and Critical Illness Plus
£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

Not Included
HSBC Life Protection
Included
HSBC Critical Illness
Included
HSBC Critical Illness Plus
Included
HSBC Life and Critical Illness
Included
HSBC Life and Critical Illness Plus

Total Permanent Disability

Not Included
HSBC Life Protection
Included
HSBC Critical Illness
Included
HSBC Critical Illness Plus
Included
HSBC Life and Critical Illness
Included
HSBC Life and Critical Illness Plus

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.

Included
HSBC Life Protection
Included
HSBC Critical Illness
Included
HSBC Critical Illness Plus
Included
HSBC Life and Critical Illness
Included
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 on diagnosis of one of the specified Critical Illnesses or when you undergo a specified surgical procedure Critical Illness Benefit — (additional payment condition) – a specific lump sum payment on diagnosis of one of the specific Critical Illnesses or when you undergo a specific surgical procedure 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 specific lump sum payment upon diagnosis of a specified Critical Illnesses or a specified surgical procedure relating to a dependent child Children’s Critical Illness Benefit (i) — (additional payment condition) – a specific lump sum payment upon diagnosis of a specified surgical procedure relating to a dependant 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 the death of any dependent Child/Children during the Policy term 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 Total Permanent DisabilityWaiver 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.

	HSBC Life Protection	HSBC Critical Illness	HSBC Critical Illness Plus	HSBC Life and Critical Illness
Included	Not Included	Not Included	Included	Included
Included	Included	Included	Included	Included
Not Included	Included	Included	Included	Included
Not Included	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
Included	Included	Included	Included	Included
Included	Not Included	Not Included	Included	Included
Not Included	Not Included	Included	Not Included	Included
Not Included	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
Not Included	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 0r 25% of the sum assured	The lower of £30,000 or 50% of the sum assured
Not Included	Not Included	Included	Not Included	Included
Not Included	£5,000	£10,000	£5,000	£10,000
Not Included	Included	Included	Included	Included
Optional benefits
Not Included	Included	Included	Included	Included
Included	Included	Included	Included	Included

(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.

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

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Policy Booklets

Focussed resources