Protection for you and your loved ones in case of critical illness
We've all known someone, maybe a friend or relative, who has fallen critically ill. The consequences can be devastating for them, their family and friends.
That's why we've created the HSBC Key FIVE Critical Illness Cover plan. It gives you and your loved one's financial support should you unexpectedly fall ill with the 5 most common critical illnesses:
-
cancer
-
stroke
-
heart attack
-
coronary artery bypass grafting
-
kidney failure
Are you eligible?
You can take out an HSBC Key FIVE Critical Illness Cover if you are:
- an HSBC Bank Malta p.l.c. customer
- between the ages of 18 and 69 years
- a resident of Malta

Get a quote
After completing the request form, a member of our team will be in touch directly to provide you with a free indicative life cover quote. This indicative quote is available for individual life cover only.
Depending on the severity level of the covered critical illness, the HSBC Key FIVE Critical Illness Cover plan pays out a lump sum that you can use in any way you like to support you or your family during these difficult times.
You can use the pay-out to clear existing debts such as your mortgage, or to help with your living expenses while you recover.
You can also use the sum assured to cover any other medical or treatment-related expenses that may not be covered by your health insurance or contribute towards rehabilitation costs.
The plan also offers you the possibility to choose to cover your loved ones* who will benefit from the lump sum pay-out in case of you or the person you chose to cover falls critically ill.
*The Policyowner must have an insurable interest in the Life Assured.
Benefits
- 5 most common critical illnessesThe HSBC Key FIVE Critical Illness Cover plan, covers the 5 most common critical illnesses.1
- Lump sum paymentBased on the severity level, if the Life Assured is diagnosed with a covered critical illness within the period of cover that meets our policy definitions.
- Guaranteed Life AssuranceIf no critical illness pay-outs would have been made, we pay €2,500 to the Beneficiary in the event of death of the Life Assured, within the term of the plan.2
- Choose the length of coverFrom 5 to 50 years - and the cover can last until you are 75 years old.
- Child Cover BenefitFree Child Benefit equivalent to 10% of the sum assured (up to €30,000) on the covered Critical Illnesses.
- Cover up to €300,000You can choose the level of cover assured according to your needs, starting from €40,000 up to a maximum of €300,000 (across multiple plans).3
1 Please refer to the Brochure, Key Features Document and Policy Terms & Conditions of this plan for full details. The Brochure and Key Features Document can be found on the HSBC Bank Malta p.l.c website. A copy of all product documentation including the Policy Terms & Conditions can be obtained free of charge from any of our branches or from HSBC Life Assurance (Malta) Ltd.
2 The Policyowner must have an insurable interest in the Life Assured
3 Benefits are paid out to the Beneficiary based on the severity level of the diagnosis. The Beneficiary can only be the Policyholder or the Life assured.
How it works
An HSBC Financial Planning Advisor or your Premier Relationship Manager can walk you through the process and recommend a plan to meet your needs in case the unexpected happens.
To find out how you can contact an HSBC Financial Planning Advisor or your Premier Relationship Manager, please visit our Wealth Management hub.
Frequently asked questions
Answers to some of the most frequently asked questions.
Book an appointment
To find out more about the HSBC Key FIVE Critical Illness Plan, and to get a quote, you can arrange for a no-obligation chat with a member of our Wealth Management team.
Important documents
Further details of the cover and severity levels applicable to the different critical illnesses listed above can be found in the HSBC Key FIVE critical illness cover brochure (PDF, 427KB), the HSBC Key FIVE critical illness cover - Key Features Document (PDF, 133KB) and the Policy Terms and Conditions. A copy of the Policy Terms and Conditions can be obtained free of charge from any our branches or from HSBC Life Assurance (Malta) Ltd.
Risk Factors
Please review our summary of risk factors carefully before applying for this product.
The HSBC Key FIVE critical illness cover is manufactured by HSBC Life Assurance (Malta) Ltd and distributed in Malta through HSBC Bank Malta p.l.c.
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 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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