Our HSBC Swift Save Insurance Plan can help you get closer to reaching your short-term saving goals, while keeping your loved ones protected.
- RMB: Up to 3.55% p.a. in 5 years
- USD: Up to 2.35% p.a. in 5 years
- HKD: Up to 2.2% p.a. in 5 years
- GBP: Up to 2.5% p.a. in 3 years
- Choose your policy's currency 2 : RMB, USD, HKD, GBP
- Pay over 2 years, in a lump sum 3 , annually or monthly
HSBC Swift Save Insurance Plan is a life insurance plan with a savings element underwritten by HSBC Life (International) Limited ("HSBC Life"). It is not a bank deposit or bank savings plan. Policyholders are subject to HSBC Life's credit risk. In the case that you have to surrender your policy in the early years, you may receive an amount significantly less than the premiums paid.
You'll have an additional 30% of the total premiums paid 5 before discount (if applicable), and this will be paid along with the death benefit to the beneficiaries 6 if the policyholder passes away due to an accident.
The death benefit can be claimed in advance if the policyholder is diagnosed with a terminal illness before the age 8 of 65.
Return rates vary for different premium payment modes. This amount is for reference only, please refer to the full quotation for exact amount of premiums and returns.
RMB
USD
HKD
GBP
HKD, RMB or USD: 5 years
RMB
USD
HKD
GBP
In respect of this plan, the maximum maturity benefit per life insured for each currency has been adjusted to HKD2,000,000 or its approximate equivalent in GBP, RMB, or USD respectively.
RMB
USD
HKD
GBP
HKD, RMB or USD: 5 years
RMB
USD
HKD
GBP
In respect of this plan, the maximum maturity benefit per life insured for each currency has been adjusted to HKD2,000,000 or its approximate equivalent in GBP, RMB, or USD respectively.
You can apply for multiple policies.
For each currency, the total maturity benefit for each life insured by HSBC Swift Save Insurance Plan should not exceed the maximum maturity benefit amount.
If your payment currency is different to your policy currency, any exchange rate fluctuation may affect your premium and levy payment amounts. Please refer to the policy currency risk on the product brochure.
HSBC Swift Save Insurance Plan is a plan with limited offer, and HSBC Life reserves the right to accept or decline any application subject to the plan's availability across different currencies.
For detailed product features and product risks, including the policy currency risks and liquidity risks, please refer to the product brochure. For detailed terms and conditions, please refer to the policy provisions and the supplementary benefits provisions.
Time deposits and fixed-term endowment
To apply, you need to:
View our plans that can provide you with a steady income after you retire, and enable you to claim a tax deduction in Hong Kong.
An opportunity for long-term capital growth while enjoying life protection, with the option to transfer your plan according to your wishes.
Explore a range of products for your protection, wealth growth, retirement and your children's education needs.
Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.
Sometimes life doesn't go according to plan and you'll want to make an insurance claim as soon as possible.
Simply call our Tele-Consultants at (852) 3128 0122 who will assist you in preparing your relevant claim request(s).
1 Guaranteed annual return may vary with different policy currencies, payment modes, payment terms and policy terms. For details of what constitutes the maturity benefit (the amount you'll get at the end of the policy term), please refer to the product brochure.
2 Based on comparison with other endowment plans that are publicly offered to individual customers by few major life insurance companies in Hong Kong as of 11 Apr 2021.
3 The lump sum contribution refers to the aggregate premium payment option, which allows you to pre-pay the required premiums at a discount. The required annual premium will then be deducted from the aggregate premium balance on the relevant premium due dates. The balance of the aggregate premium after deducting the annual premium on the relevant premium due dates will be accumulated at an interest rate (which shall be determined by HSBC Life (International) Limited ), which is not guaranteed and may be changed by HSBC Life (International) Limited (at its discretion) from time to time.
4 The additional accidental death benefit will terminate at the end of the policy term, on the policy anniversary at which you're aged 80, when such benefit is paid out or when your policy is terminated, whichever is earliest. Your policy will terminate when the additional accidental death benefit is paid out. Age refers to the age you'll be on your next birthday.
5 Total premiums paid refers to the total amount of premiums due for the basic plan (whether they have been actually paid or not) before discount, if applicable, is applied. If the required premiums are pre-paid, the balance of the pre-paid premiums will not be counted as the total premiums paid until such part of the premium is due.
6 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.
7 The terminal illness benefit is applicable to any life insured aged between 19 and 64. The terminal illness benefit will terminate at the end of the policy term, or on the policy anniversary at which you're aged 65, whichever is earlier. Your policy will terminate if the terminal illness benefit is claimed. Age refers to the age you'll be on your next birthday.
8 Age refers to the age you'll be on your next birthday.
9 The unemployment benefit is applicable to any policyholder aged between 19 and 64 who holds a Hong Kong Identity Card. The unemployment benefit is not available if the aggregate premium payment option has been chosen. The unemployment benefit will terminate on the policy anniversary at which you're aged 65, all due premiums have been paid or when your policy is terminated, whichever is the earliest. Age refers to the age you'll be on your next birthday.
10 Annualised rate of return at maturity are rounded to the nearest 2 decimal places.
11 HSBC GBA Wealth Management Connect Investment Account is not eligible as your payment account for the HSBC Swift Save Insurance Plan. If you choose the monthly payment option, you can only pay with your HSBC HKD bank account. If your payment currency is different from your policy currency, any exchange rate fluctuation may affect your premium and levy payment amounts.
12 Premium amount is rounded off to the nearest integer.
13 Maturity benefit refers to the amount that will be received at maturity when the life insured is still alive and is not equal to death benefit.
