Life Insurance

HSBC UK
Insurance
Products
Life Insurance

If you’re struggling to pay your Life Cover, Critical Illness Cover or Income Cover monthly premiums because of coronavirus, help is available. Please visit our support page to find out more.

About HSBC Life Insurance

HSBC Life Insurance offers you peace of mind, knowing your loved ones are financially protected if the unexpected happens. Find out more on this page about what Life Cover, Critical Illness Cover and Income Cover can offer.

Existing customers

If you need to make a claim, contact our helpline for assistance as soon as you can.

Get support for existing HSBC Life Insurance customers

To apply for Life Cover online, you'll need to be an existing HSBC customer and registered for HSBC Internet Banking, and hold a HSBC bank account from which you'll make your monthly payments by direct debit.

To be eligible for HSBC Life Insurance products:

You must be a UK resident (not including the Channel Islands or the Isle of Man).

Life Cover eligibility requirements:

17 or over and under 70 years of age
Cover must cease before your 80th birthday

Unfortunately, you can't apply for Critical Illness or Income Cover online at the moment. Before you visit your local branch it's worth checking you meet the eligibility requirements which are:

Critical Illness eligibility requirements:

17 or over and under 65 years of age
Cover must cease before your 70th birthday

Income Cover eligibility requirements:

17 or over and under 60 years of age
Cover must cease before your 68th birthday
In paid employment for more than 16 hours a week including self employment

HSBC Life Cover

At HSBC, we're here to give your loved ones the financial support they may need if the unexpected happens.

Single or Joint Life Cover available
Level or Decreasing Cover
Lump sum payable on death or diagnosis of a terminal illness up to £2,000,000
Accidental death benefit, free cover up to a maximum of £250,000

Life Cover is underwritten by HSBC Life (UK) Ltd. Get a personalised quotation and apply today.

Find out more about HSBC Life Cover

HSBC Critical Illness Cover

Our Critical Illness Cover can offer you and your loved ones financial support should you unexpectedly fall ill.

A Lump sum of up to £1,000,000 on diagnosis paid free of UK income and capital gains taxes
Lump sum paid on diagnosis of one of the 35 specified Critical Illnesses or surgical procedures
Level or Decreasing Cover
Children's cover included

Critical Illness Cover is underwritten by HSBC Life (UK) Ltd. Get a personalised quotation and apply today.

Find out more about HSBC Critical Illness Cover

HSBC Income Cover

Our income cover pays a monthly tax-free benefit to help replace your loss of earnings if you're unable to work due to an accident or injury.

Monthly benefit paid directly to your bank account
Choose between benefits that pay while you are unable to work for up to 2 years, or continue to your chosen retirement age
Dedicated claims assessor is on hand to offer support
Premiums for any HSBC Life and Protection products you hold are waived while you receive Income Cover benefits

Income Cover is underwritten by HSBC Life (UK) Ltd. Get a personalised quotation and apply today.

Find out more about HSBC Income Cover

Coronavirus Frequently Asked Questions

Services in our branches are currently limited because of the coronavirus outbreak. This means we’re unable to set up appointments or provide you with any advice on these products in our branches at this moment.

However, you can still apply for cover in the following ways:

HSBC Life Cover

You can apply online for single Life Cover (joint life cover is not available online).

If you’re taking out a new HSBC mortgage, you can apply over the phone for single or joint Life Cover. Call us on 0800 169 6333.

Lines open Monday to Saturday 08:00 to 20:00, Sunday 09:00 to 18:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

HSBC Critical Illness

If you’re taking out a new HSBC mortgage, you can apply over the phone for single or joint Critical Illness Cover. Call us on 0800 169 6333.

Lines open Monday to Saturday 08:00 to 20:00, Sunday 09:00 to 18:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

HSBC Income Cover

Income Cover is temporarily unavailable as this can only be purchased through one of our branches.

Protection advice by phone

If you’d like to discuss ways to protect what’s important to you, you can talk to one of our financial advisers from your home. They’ll spend time getting to know your situation then recommend a competitive policy that's right for you from our hand-picked list of providers.

To find out more about this service, including the eligibility criteria, and to book an appointment, visit Wealth Advice Centre.

If we need a doctor’s report or further medical examination, your application may be delayed. If this happens, we’ll keep you informed throughout the process.

About HSBC Life Insurance

Existing customers

Are you eligible?

HSBC Life Cover

HSBC Critical Illness Cover

HSBC Income Cover

Coronavirus Frequently Asked Questions

Can I still take out HSBC Life Cover, Critical Illness Cover and Income Cover?

If I apply for Life or Critical Illness Cover, will my application be delayed?

You might also be interested in

Select and Cover

Home Insurance

Travel Insurance

Customer support