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A father helps his son brushing his teeth; image used for HSBC Medical Insurance.

Medical Insurance

Your health is one of your most important assets. Take good care of it with our flexible health plans for you and your family.

A man happily holding two pictures，Image used for first-year premium discount;

Voluntary Health Insurance Scheme

HSBC VHIS Flexi Plan

A medical insurance plan certified under the Voluntary Health Insurance Scheme1 that provides you and your loved ones with all-round medical coverage, including access to quality medical care at private healthcare services.

  • Eligible for tax deduction of up to HKD 8000 per insured person1

  • Get fully covered for hospitalisation and surgical fees without any sub-limits

  • Cashless arrangement for hospitalisation in Hong Kong upon pre-authorization

Underwritten by HSBC Life (International) Limited. T&C apply.

This is a Food and Health Bureau certified VHIS flexi plan provided by HSBC Life (registration number: 00042).

Limited time offer:

  • Get up to 30% off your first year premium.T&Cs apply.
Man and woman running; image used for HSBC VHIS Standard Plan.

Voluntary Health Insurance Scheme

HSBC VHIS Standard Plan

A medical insurance plan certified under the Voluntary Health Insurance Scheme1 that gives you and your loved ones essential medical coverage, including access to quality medical care at private healthcare services.

  • Eligible for tax deduction of up to HKD 8000 per insured person2

  • Guaranteed policy renewal up to age 100

  • Cover against unknown pre-existing conditions3

Underwritten by HSBC Life (International) Limited. T&C apply.

This is a Food and Health Bureau certified VHIS standard plan provided by HSBC Life (registration number: 00042).

Limited time offer:

  • Earn up to an extra $6,000 RewardCash. T&Cs apply.
woman on bed; image used for Hospital Cash Insurance page.

Hospital cash

Hospital Cash Insurance

A hospital cash insurance plan that provides daily cash payments.

  • Reimbursable surgical expenses in hospital, up to ten times your daily limit, per illness or accident

  • Refund 30% of the premium you’ve paid if you don’t claim for 5 consecutive years

Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

Dad and daughter are playing with a stethoscope; image used for Outpatient Care page.

Outpatient Insurance

Outpatient Care

An outpatient insurance plan that provides extensive network in Hong Kong, Macau and China.

  • Access an extensive network of general and family practitioners in Hong Kong, Macau and Mainland China

  • Covers consultations with physiotherapists, gynaecologists and paediatricians

  • No medical check-up required and policy renewal is guaranteed for life3

Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

Doctor and patient; image used for Cancer Care Insurance Plan page.

Critical illness insurance

Cancer Care

A critical illness insurance plan that provides adjustable coverage and lump sum payment upon cancer diagnosis.

  • Choose from 4 levels of cover, from HKD300,000 to HKD1 million

  • Get an advance payment of 30% of the sum insured if you’re diagnosed with an early-stage cancer or carcinoma-in-situ

  • No medical check-up required

Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

A doctor is talking to patient with tablet; image used for Preferred Care Medical Insurance page.

International Health Insurance

Preferred Care

A medical insurance plan that gives access to world-class medical centers in USA.

  • Comprehensive cover up to USD2 million annually

  • Select top experts and US hospitals based on your medical requirements

  • Cover for cancer, major cardiac, coronary or vascular surgery, some neurosurgery and major transplants

Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

Get hurt friends in basketball court; image used for HSBC Accident Insurance.

Accident Insurance

AccidentSurance

An accident insurance that provides a cash lump sum benefit and medical expenses coverage relating to an accident.

  • Up to HKD2 million cash lump sum benefit

  • Refund 30% of the premium you’ve paid if you don’t claim for 5 consecutive years

  • Access to 250 hospitals in mainland China

  • Online application available

Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

You may also be interested in

Father and daughter are cooking happily,image used for HSBC Family Protector.

Family Protector

 

Enjoy term life protection plus the option to add medical and accidental death coverage under one plan. Apply online and enjoy premium waiver now.

 

T&Cs apply.

HSBC Health Goal Insurance Plan

 

Protection against 3 major critical illnesses while enjoying potential wealth appreciation. Critical illness claims will not affect savings and potential return.

 

T&Cs apply.

Father and daughter are dancing ballet; image used for HSBC Life Insurance page.

Life protection plans

 

Explore the list of our selection of life protection plans.

End Notes 

  1. To learn more about the list of HSBC VHIS certified plans, please click here. For certification number of HSBC VHIS Standard Plan, please click here. For certification numbers of HSBC VHIS Flexi Plans, please click here.
  2. The insured person should be the taxpayer or any specified relatives, which cover the taxpayer's spouse and children, and the taxpayer's or his/her spouse's grandparents, parents and siblings. Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). The actual tax saving may be lower than the illustrated amount and is subject to review and agreement by the Inland Revenue Department on a case by case basis. For more information, please refer to www.ird.gov.hk or seek independent tax advice.
  3. Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is the earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where - (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. The HSBC Life may impose case-based exclusion(s) to the pre-existing condition(s) notified to HSBC Life in the application for the plan and any subsequent information or document submitted to HSBC Life for the purpose of the application. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Please refer to the policy provisions for the full terms and conditions.

*To borrow or not to borrow? Borrow only if you can repay!

Disclaimers 

The information above is provided for your general reference only. It is not intended to constitute a recommendation or advice to any prospective customers or to be the basis of any insurance advice or recommendation. The information here should not be construed as an invitation to accept or a solicitation to buy any insurance products or services. Products and services are subject to an individual’s needs and his/her ability to afford the products and services. You should not act on any part of the information here without seeking professional advice from an HSBC financial advisor. Contact an HSBC financial advisor who can help analyze your financial needs and risk profile.

The insurance plans shown above are not equivalent to any bank deposit or savings. If you wish to learn more about any of the above insurance plans, please refer to the respective product brochure for detailed features and the Policy Provisions for the detailed terms and conditions on the insurance product webpages.

Life insurance products are underwritten by HSBC Life (International) Limited (“HSBC Life”). HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group’s insurance underwriting subsidiaries. HSBC Life is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR. Policyholders are subject to the credit risk of HSBC life and early surrender loss.

General insurance products are underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR.

The Hongkong and Shanghai Banking Corporation Limited (“the Bank” or "HSBC") is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of HSBC Life for the distribution of life insurance products and AXA for distribution of general insurance products in the Hong Kong SAR.

The above products are products of HSBC Life and AXA but not the Bank and they are intended only for sale in the Hong Kong SAR. HSBC Life and AXA will be responsible for providing your insurance coverage and handling claims under your policy.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the product should be resolved between HSBC Life or AXA and you directly.

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