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Income Protection

Get the financial support you need if you're unable to work due to an accident or injury

Get the financial support you need

If you're unable to work due to an accident or injury, Income Protection pays a monthly benefit to help replace your loss of earnings.

The policy can also provide specialist rehabilitation services to help you get back on your feet and back in to work.

Apply for Income Protection through our protection advice service, available at no extra cost to HSBC UK customers who are UK residents aged 18 and over.

What you'll get

A monthly benefit

You'll receive a monthly benefit paid directly to your bank account.

A dedicated claims assessor

Your dedicated claims assessor will be on hand to offer support.

Rehabilitation services

Help you get back on your feet and back in to work.

Why get cover with us

  • Flexible policy terms
    Choose how soon you'd want your monthly pay outs to start and how long the policy needs to run.
  • Fixed monthly payments
    Pay fixed monthly payments throughout your policy, unless you take an increasing cover policy through one of our advisers.

What's covered

Income Protection offers you the financial support you need if you're unable to work due to an accident or injury. It pays a monthly tax-free benefit to help replace loss of earnings. The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future

Policies can also provide specialist rehabilitation services, tailored to you, which can help you get back on your feet and into work.

Rehabilitation providers specialise in helping customers affected by our most common causes of claims. These include psychological issues such as stress, anxiety and depression; musculoskeletal problems, such as back pain; and cancer. This means you can get the practical help and the treatment you need without delay.

Income Protection can be taken over a set term or until you retire.

We offer Income Protection policies from a hand-picked list of providers through our protection advice service.

What's not covered

As with all insurance policies, terms and conditions, exclusions and limitations will apply.

How to apply

If you'd like to apply for an Income Protection policy, our protection advisers are available to help via video or phone call. They’ll spend time getting to know your situation then recommend a policy that's right for you from our hand-picked list of providers.

If you’re interested in using this service, please email us at and an adviser will be in touch to arrange an introductory call.

When applying for an HSBC mortgage, one of our Mortgage Advisers will also be able to discuss Income Protection with you.

Frequently asked questions

It's easy to answer your query online. Visit our Help page to find out how.