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HSBC Key FIVE Critical Illness Cover

Risk Factors

This information is not to be interpreted as advice.

Not all types of critical illnesses are covered, and these are also subject to certain exclusions as detailed in the Policy Terms and Conditions. HSBC Life will not pay out if you and/or the Life Assured do not fully disclose any requested material information or if you provide inaccurate information prior to the commencement of the plan. You and/or the Life Assured must disclose all information, as omissions may result in a claim being rejected or your policy being cancelled, and you and/or the Life Assured may encounter difficulties in trying to purchase insurance elsewhere. If you are in doubt as to whether the information is material, you should still disclose it.

If you stop paying premiums during the term of your plan, your cover will end 30 days from the date the last unpaid premium was due. You will not get back any premiums you paid.

The plan will not pay out if a claim arises from an excluded condition. Full details of the standard definitions, exclusions and limitations are contained in the Policy Terms and Conditions.

The plan will not pay out if the Life Assured is not diagnosed with one of the covered illnesses during the term of the plan. In the case of death of the policyholder within the term of the plan, and no critical illness benefits would have been paid out, the Guaranteed Life Assurance amount will be paid to the heirs at law or beneficiaries (if any).

This plan has no surrender value at any time.

A Proposal/Application is subject to underwriting and the cover will only commence once we inform you that we have accepted the risk for life cover. The plan will only pay out on diagnosis and a valid claim of the Life Assured/Covered Child.

It is important that you read this information in conjunction with the Brochure, Key Features Document, Policy Terms & Conditions, Proposal/Application Form, Quotation and the Policy Schedule.

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