Flexibility of payment options

Choose to pay over 10, 15, 20, 25 or 30 years

Advanced disability payout

Receive an advanced disability payout should you be unable to carry out 2 out of 6 Activities of Daily Living1

Additional cover with no underwriting

Option to boost your coverage by purchasing selected HSBC Life plans upon significant life stage events without underwriting    

To find out more, please refer to our brochure.

As your responsibilities change throughout life, there will be gaps you'll need to fill and you deserve a flexible plan that not only protects but also grows alongside you and your family.

HSBC Life - Life Treasure (II) is a customisable whole life plan that offers flexibility to multiply your sum assured and enhance your critical illness coverage.

Key Features

Features

Life Assured: 1 month to 65 years old2

Policyholder: 18 to 99 years old2

Eligibility and Options

Option to multiply your coverage by 2, 3, 4 or 5 times basic sum assured with multiplier coverage term to age 65, 70 or 80 based on your needs(3).

Multiplier Benefit

Option to multiply your coverage by 2, 3, 4 or 5 times basic sum assured with multiplier coverage term to age 65, 70 or 80 based on your needs3.

Add-Ons to Consider

Add-Ons

In the event of accidental death, receive up to 10 times of your policy's sum assured with Multiplier Benefit rider 4 .

Accidental Death Benefit

In the event of accidental death, receive up to 10 times of your policy's sum assured with Multiplier Benefit rider4.

Get total peace of mind with comprehensive coverage for 162 medical conditions. Covers early to advanced stage critical illnesses, including additional payout upon selected Special conditions and Juvenile conditions5.

Upon diagnosis of any one of the Advanced Stage top common illnesses of Major Cancer, Heart Attack, Stroke, Coronary Artery By-pass Surgery and End Stage Kidney Failure, you will receive additional 50% of the rider’s Sum Assured6.

Get total peace of mind with comprehensive coverage for 162 medical conditions. Covers early to advanced stage critical illnesses, including additional payout upon selected Special conditions and Juvenile conditions(6).

Upon diagnosis of any one of the Advanced Stage top common illnessesof Major Cancer, Heart Attack, Stroke, Coronary Artery By-pass Surgery and End Stage Kidney Failure, you will receive additional 50% of the rider’s Sum Assured(7).

Early Critical Illness Benefit (II)

Maximise your coverage with this rider that guards against 56 advanced stage critical illnesses.

Maximise your coverage with this rider that guards against 56 advanced stage critical illnesses.

Upon top common critical illnesses such as Major Cancer, Heart Attack, Stroke, Coronary Artery By-pass Surgery and End Stage Kidney Failure, you will receive additional 50% of the rider’s Sum Assured(6).

Critical Illness Benefit (II)

Receive an additional lump sum payment in the event of a critical illness diagnosis without affecting the other benefits of your basic plan.

Critical Illness Plus

If you suffer from total and permanent disability, you will receive a cash benefit of your chosen amount every year.

Disability Cash Benefit

Ensure no disruption to your long-term protection plan with optional riders that waives future premium payments if unfortunate events were to occur to you(7).

Waiver of Premium riders

Ensure no disruption to your long-term protection plan with optional riders that waives future premium payments if unfortunate events were to occur to you7.

Age 30, signs up for HSBC Life - Life Treasure (II)

Special Condition Benefit under Early Critical Illness Benefit (II) rider pays:

Age 38, contracted Dengue Haemorrhagic Fever

Early Critical Illness Benefit (II) rider pays: 

(Early Critical Illness Benefit (II) rider terminates)

Age 41, diagnosed with Advanced Stage Lung Cancer

HSBC Life - Life Treasure (II) pays remaining: 
S$100,000

How HSBC Life - Life Treasure (II) can boost your coverage

HSBC Life - Life Treasure (II) Basic Sum Assured: S$75,000

+ Multiplier Benefit rider (4 times, coverage until age 80)

Basic Plan: Multiplier Benefit of S$300,000

+ Early Critical Illness Benefit (II) rider Sum Assured: S$50,000 

Early Critical Illness Benefit (II) rider: Multiplier Benefit of S$200,000

+ Accidental Death Benefit rider Sum Assured: $300,000

Monthly Premium of $339.65 and premium term of 25 years

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Illustration

There are different definitions covered under Total and Permanent Disability Benefit. Advancement of up to a maximum of S$3 million is applicable to any 2 out of 6 Activities of Daily Living (ADLs). ADLs refers to Activities of Daily Living such as Transferring, Mobility, Toileting, Dressing, Washing and Feeding. The diagnosis must be confirmed and certified by a Registered Medical Practitioner. Please refer to the product summary for more details.

Minimum entry age: Based on attained age.
Maximum entry age: Based on age nearest birthday.

Multiplier Benefit rider pays out guaranteed benefit applicable on or before the policy anniversary nearest to the Life Assured’s 65ᵗʰ, 70ᵗʰ or 80ᵗʰ birthday to HSBC Life - Life Treasure (II) Basic Policy and optional riders if they are attached to the basic plan; Critical Illness Benefit (II) rider and Early Critical Illness Benefit (II) rider.

Accidental Death Benefit provides coverage on or before the Policy Anniversary nearest to the Life Assured’s 80ᵗʰ birthday. If Multiplier Benefit rider is attached and the Multiplier Benefit on the basic plan is paid out upon Death, an additional amount equivalent to the Death Benefit will be payable upon accidental death. If sum assured plus bonuses is paid out upon Death, an additional amount equivalent to the basic sum assured will be payable. Please refer to the product summary for more details.

An additional amount equivalent to 10% of the original sum assured of the Early Critical Illness Benefit (II) rider, subject to a maximum of S$25,000 per Life Assured for each Special Condition or Juvenile Condition. The list of medical conditions covered can be found in the product summary.

An additional amount equivalent to 50% sum assured of the Critical Illness Benefit (II) rider or Early Critical Illness Benefit (II) rider is payable upon diagnosis of any one of the Advanced Stage top common illnesses of Major Cancer, Heart Attack, Stroke, Coronary Artery By-pass Surgery and End Stage Kidney Failure. Please refer to the product summary for more details.

Optional riders include Smart Payer PremiumEraser, Smart Payer PremiumEraser Plus and Payer PremiumEraser (DTPDECIUN). Please refer to the relevant product summaries for more details.

Product T&Cs

T&Cs

Policy Information and Downloads

Downloads

We've made it easy for you to file a claim

File a claim

Get In Touch

The plan is underwritten by HSBC Life (Singapore) Pte. Ltd. ("HSBC Life"). This advertisement is not a contract of insurance and not for use outside Singapore. The precise terms and conditions are specified in the policy contract.

This advertisement is for your information only and does not have any regard to your specific investment objectives, financial situation or particular needs. You may wish to seek advice from a financial planner before making a commitment to buy the product, and if you choose not to seek advice, you should consider whether the product is suitable for you.

Buying a life insurance policy is a long-term commitment. An early termination usually involves high costs and the surrender value payable may be less than the total premiums paid. A Product Summary is available and may be obtained from a financial planner representing HSBC Life. You should read it before deciding whether to purchase the policy.

This Policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for Your Policy is automatic and no further action is required from You. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Us or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

All information is correct as of 01 February 2023.

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Comprehensive protection for your whole life

HSBC Life - Life Treasure (II)

HSBC Life - Life Treasure (II) allows you to multiply your coverage up to 5 times. Giving you extra 50% payout upon top common critical illnesses

HSBC Life - Life Treasure (II)

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