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Additional life cover

Extend your life insurance cover

Extra protection for you and your family

If you suffer a life-threatening illness, life could turn out to be even harder financially for your family than if you had passed away. Not only are your family members likely to lose your income but they will need to look after you. Our optional additional benefits offered under the Personal Protector Plan can provide valuable help.

  • Accidental Death

  • Critical Illness

  • Permanent Total or Partial Disability

  • Waiver of Premium

How to apply

You can add these benefits to your policy when you apply or on any future premium payment date.

Accidental Death

This option guarantees the payment of an additional sum assured equal to that of the main life cover. It's 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. It provides 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.

Apply in branch

Set up an appointment with one of our financial planning team.

Apply by phone

Call us on +356 2380 2380.

Lines are open from 8am to 8pm, apart from Sundays and public holidays.

Insurance documents

Approved and issued by HSBC Bank Malta p.l.c, (116, Archbishop Street, Valletta VLT 1444). HSBC is a public limited company regulated by the Malta Financial Services Authority and licensed to carry out the business of banking in terms of the Banking Act (Cap.371 of the Laws of Malta). HSBC is licensed to conduct investment services in terms of the Investment Services Act (Cap.370. of the Laws of Malta) and is enrolled as a Tied Insurance Intermediary for HSBC Life Assurance (Malta) Ltd under the Insurance Distribution Act (Cap. 487 of the Laws of Malta).




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