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Choose the insurance policy that is right for you

Have you thought about how your dependants would cope financially if anything happened to you? HSBC Life can provide the solution for your family to be financially protected. This means security for them and added peace of mind for you.

Life Insurance
(Personal Protector Plan)

Length of
coverage
Up to age 75

Benefit type
Fixed Sum Assured

30 day
cooling-off period
Yes

Life protection on your terms

Full details
Key features and benefits
  • Upon the death of the life assured the policy pays out the sum assured as a lump sum tax free** payment of your choice to the beneficiary designated by you in the policy.
  • Offers security against your loans if pledged.
  • Provides financial security for those who financially depend on you.
Other things you need to know
  • The following Additional Benefits can also be added:
    - Accidental Death
    - Critical Illness
    - Permanent Total & Partial Disability
    - Waiver of Premium
  • Premium rates remain constant throughout your policy.
  • You can increase or decrease the sum assured on policy anniversary to adjust for your changing personal circumstances.
  • Policy cannot be cancelled by us due to change in health.
  • The premiums go towards cost of policy only and do not build cash value.
  • Premium payments can be monthly, quarterly, semi-annual or annual.

** Under current legislation benefits are not taxable, however this may be subject to change in the future.

Like some help?

Call our Contact Centre on
+356 2380 2380

We’re here 8:00am to 10:00pm daily
excluding Sundays and Public Holidays

 

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Have a question?

Have a question?

Call our Contact Centre on

+356 2380 2380

We're here from 8:00am to 8:00pm excluding Sundays and Public Holidays.

 

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Registered Address: 116, Archbishop Street, Valletta VLT 1444. Company No.:C3177

© HSBC Bank Malta p.l.c. 2017. All rights reserved.

Registered Address: 116, Archbishop Street, Valletta VLT 1444. Company No.:C3177

© HSBC Bank Malta p.l.c. 2017. All rights reserved.

 

Additional benefits

Speak to us to get a better explanation of the benefits below.

Accidental Death

This option guarantees the payment of an additional sum assured equal to that of the main life cover. It is payable if the life assured passes away due to bodily injuries resulting exclusively from an accident.

Critical Illness

This option guarantees the payment of the selected sum assured if the life assured is diagnosed with any one of the following conditions: heart attack, coronary by-pass, stroke, kidney failure, life threatening cancer, major organ transplant, coma, paralysis, blindness, severe burns.

Permanent Total or Partial Disability

This option guarantees the payment of the selected sum assured in case of permanent total disability. If the life assured is diagnosed as being partially disabled, the benefit will be a percentage of the sum assured you had chosen for this benefit, depending on the severity of the disability, whilst the cover will remain for the rest of the sum assured.

Waiver of Premium

This option applies only if the policyholder is also the life assured. This option provides you with a waiver of premium if you suffer a disability which causes you to lose your income. In other words, your life policy will continue without you having to pay the premium, until you recover and are able to resume work.

Full details of the above-mentioned benefits are contained in the respective Product Brochures, Key Features Documents and Policy Terms and Conditions.