Benefits
- Comprehensive insurance protection for youDeath, Accidental Death, Total and Permanent Disability (TPD) and 39 Critical Illness (CI) coverage for you.
- Extended care for your family1 including spouse, child/children and parentsDeath and Accidental Death coverage for your spouse; Accidental Death, 39 CI and 11 Juvenile CI coverage for your children; optional cancer, Parkinson's and/or Alzheimer's/severe dementia coverage for your parents.
- No limit on the number of children under coverageEvery existing child and future child will be covered automatically, subject to entry age and expiry age requirements.
- Hassle-free enrolment for family members1No medical underwriting is required for your spouse, children and parents. Proof of relationship is only required at the point of claims. Full medical & financial underwriting for Life Assured only.
- Level premium after policy issuanceThe premium is level throughout premium payment term and not guaranteed4. The premium to be applied will depend on the Life Assured's entry age, gender, smoking status and the type of plan selected.
| Benefits Coverage |
Basic Plan Life Assured Benefit |
Basic Plan Covered Spouse |
Basic Plan Covered Children |
Premium Plan Covered Parents |
|---|---|---|---|---|
| Coverage Type |
|
|
|
|
| Plan 250 |
RM250,000 |
RM50,000 (once only) |
RM50,000 (each child) |
RM50,000 (each Life Assured's parent) |
| Plan 350 |
RM350,000 |
RM50,000 (once only) |
RM50,000 (each child) |
RM50,000 (each Life Assured's parent) |
| Plan 500 |
RM500,000 |
RM50,000 (once only) |
RM50,000 (each child) |
RM50,000 (each Life Assured's parent) |
| Accidental Death Benefit |
|
RM150,000 (payable once only) |
RM100,000 (payable for each child) |
NIL |
| Benefits Coverage |
Coverage Type |
|---|---|
Basic Plan Life Assured Benefit |
|
Basic Plan Covered Spouse |
|
| Basic Plan Covered Children |
|
| Premium Plan Covered Parents |
|
| Benefits Coverage |
Plan 250 |
Basic Plan Life Assured Benefit |
RM250,000 |
Basic Plan Covered Spouse |
RM50,000 (once only) |
| Basic Plan Covered Children |
RM50,000 (each child) |
| Premium Plan Covered Parents |
RM50,000 (each Life Assured's parent) |
| Benefits Coverage |
Plan 350 |
Basic Plan Life Assured Benefit |
RM350,000 |
Basic Plan Covered Spouse |
RM50,000 (once only) |
| Basic Plan Covered Children |
RM50,000 (each child) |
| Premium Plan Covered Parents |
RM50,000 (each Life Assured's parent) |
| Benefits Coverage |
Plan 500 |
Basic Plan Life Assured Benefit |
RM500,000 |
Basic Plan Covered Spouse |
RM50,000 (once only) |
| Basic Plan Covered Children |
RM50,000 (each child) |
| Premium Plan Covered Parents |
RM50,000 (each Life Assured's parent) |
| Benefits Coverage |
Accidental Death Benefit |
Basic Plan Life Assured Benefit |
|
Basic Plan Covered Spouse |
RM150,000 (payable once only) |
| Basic Plan Covered Children |
RM100,000 (payable for each child) |
| Premium Plan Covered Parents |
NIL |
Emotional Relief Benefit: Upon a claim being paid on Family Benefit, an additional RM2,500*, RM3,500* or RM5,000* will be payable2 to the Life Assured in one lump sum, subject to a maximum amount of RM10,000 PER Life Assured
Note: *The amount payable shall depends on the plan selected.
Eligibility
| Benefits |
HSBC's FamilyCare Minimum |
HSBC's FamilyCare Maximum |
|---|---|---|
| Life Assured | 17 years old |
65 years old |
| Covered Spouse |
17 years old |
65 years old |
| Covered Children |
15 years old |
17 years old |
| Covered Parent(s) |
17 years old |
80 years old |
| Benefits |
Life Assured |
|---|---|
HSBC's FamilyCare Minimum |
17 years old |
HSBC's FamilyCare Maximum |
65 years old |
| Benefits |
Covered Spouse |
HSBC's FamilyCare Minimum |
17 years old |
HSBC's FamilyCare Maximum |
65 years old |
| Benefits |
Covered Children |
HSBC's FamilyCare Minimum |
15 years old |
HSBC's FamilyCare Maximum |
17 years old |
| Benefits |
Covered Parent(s) |
HSBC's FamilyCare Minimum |
17 years old |
HSBC's FamilyCare Maximum |
80 years old |
Premium Payment Term: Leval premium, payable up to the end of coverage term.
Underwriting Requirement: Full medical and financial underwriting for Life Assured only.
| Benefits |
HSBC's FamilyCare |
|---|---|
| Life Assured |
80 years old |
| Covered Spouse |
80 years old, or when Life Assured attains 80 years old, whichever is earlier. |
| Covered Children |
21 years old, or when Life Assured attains 80 years old, whichever is earlier. |
| Covered Parent(s) |
100 years old, or when Life Assured attains 80 years old, whichever is earlier. |
| Benefits |
Life Assured |
|---|---|
| HSBC's FamilyCare |
80 years old |
| Benefits |
Covered Spouse |
| HSBC's FamilyCare |
80 years old, or when Life Assured attains 80 years old, whichever is earlier. |
| Benefits |
Covered Children |
| HSBC's FamilyCare |
21 years old, or when Life Assured attains 80 years old, whichever is earlier. |
| Benefits |
Covered Parent(s) |
| HSBC's FamilyCare |
100 years old, or when Life Assured attains 80 years old, whichever is earlier. |
Premium Payment Term: Leval premium, payable up to the end of coverage term.
Underwriting Requirement: Full medical and financial underwriting for Life Assured only.
| Benefits |
Year 1 |
Year 2 |
Year 3 onwards |
|---|---|---|---|
| Covered Spouse (Non Accidental Death Benefit) |
Not payable |
Not payable |
RM50,000 |
| Covered Children (Critical lllness or Juvenile IIIness) |
RM12,500 |
RM25,000 |
RM50,000 |
| Covered Parents (3 Covered Critical IIInesses) |
Not payable |
RM25,000 |
RM50,000 |
| Benefits |
Covered Spouse (Non Accidental Death Benefit) |
|---|---|
| Year 1 |
Not payable |
| Year 2 |
Not payable |
| Year 3 onwards |
RM50,000 |
| Benefits |
Covered Children (Critical lllness or Juvenile IIIness) |
| Year 1 |
RM12,500 |
| Year 2 |
RM25,000 |
| Year 3 onwards |
RM50,000 |
| Benefits |
Covered Parents (3 Covered Critical IIInesses) |
| Year 1 |
Not payable |
| Year 2 |
RM25,000 |
| Year 3 onwards |
RM50,000 |
Surrender Benefit
- Guaranteed surrender value after policy has been in-force for a minimum of two (2) full policy years.
- Guaranteed surrender value less any indebtedness will be payable to the Policy Owner.
- Surrender Benefit is not applicable for Parent rider.
The information provided on this page is not a contract of insurance. The descriptions of cover are a brief summary for quick and easy reference. Kindly refer to the brochure, policy contract and Product Disclosure Sheet for full benefits as well as terms and conditions including exclusions.
Want to apply for HSBC's FamilyCare Plan?
Find your nearest HSBC branch to apply.
Already have an insurance policy with us?
You can access your insurance policy details instantly via mobile banking. Simply go to 'Your insurance overview' in the HSBC Malaysia Mobile Banking app.
Or you can do so on the 'Your insurance policy summary' page in your online banking dashboard. Log on to online banking.
Issued by HSBC Bank Malaysia Berhad (Company no.127776-V) ("HSBC Bank"). HSBC's FamilyCare ("this Plan") is underwritten by Allianz Life Insurance Malaysia Berhad (Company no.104248-X) ("Allianz Life") and HSBC Bank is the intermediary in distributing this Plan
1Spouse refers to legally married spouse in accordance with the laws of Malaysia. Child/children refers to the Life Assured's biological child/children or legally adopted child/children (in accordance with the laws of Malaysia), or legal ward (appointed by an order of a competent court in accordance with the laws of Malaysia). Parent/parents refers to the Life Assured's biological parent/parents or legally adoptive parent/parents (in accordance with the laws of Malaysia).
2Subject to a maximum of RM10,000 per Life Assured's life.
3Depending to the type of plan selected.
4Allianz reserves the right to revise the premium rate applicable at Policy Anniversary by giving at least three (3) months written notice.
The benefit(s) payable under eligible policy is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Allianz Life Insurance Malaysia Berhad or PIDM.