HSBC's ProtectCare Plan
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Benefits
- Flexibility to choose your coverage amount
- Guaranteed level premium for 10, 15, or 20 years depending on the selected coverage term
- Hassle free and no medical examination required
- Easy and no obligation to get a quotation
- Death/total and permanent disability (due to accidental causes)1Pays lump sum cash upon death or total permanent disability due to accidental causes
- Partial permanent disablement (due to accidental causes)1Pays a proportion of the coverage amount depending on the type of disability caused by an accident.
- Death or total and permanent disability (due to non-accidental causes)2Aside from accidental benefits, this plan also offers coverage upon death and total permanent disability due to non-accidental causes.
| Coverage term | Accidental death or total and permanent disability (TPD)1 | Accidental partial permanent disablement1 | Non-accidental death or total and permanent disability (TPD)2 |
|---|---|---|---|
| 10 years | RM200,000 (insured amount) | Up to a maximum of RM200,000 | RM40,000 |
| 15 years | RM300,000 (insured amount) | Up to a maximum of RM300,000 | RM60,000 |
| 20 years | RM400,000 (insured amount) | Up to a maximum of RM400,000 | RM80,000 |
| Coverage term | 10 years |
|---|---|
| Accidental death or total and permanent disability (TPD)1 | RM200,000 (insured amount) |
| Accidental partial permanent disablement1 | Up to a maximum of RM200,000 |
| Non-accidental death or total and permanent disability (TPD)2 | RM40,000 |
| Coverage term | 15 years |
| Accidental death or total and permanent disability (TPD)1 | RM300,000 (insured amount) |
| Accidental partial permanent disablement1 | Up to a maximum of RM300,000 |
| Non-accidental death or total and permanent disability (TPD)2 | RM60,000 |
| Coverage term | 20 years |
| Accidental death or total and permanent disability (TPD)1 | RM400,000 (insured amount) |
| Accidental partial permanent disablement1 | Up to a maximum of RM400,000 |
| Non-accidental death or total and permanent disability (TPD)2 | RM80,000 |
Apply online
Apply online for HSBC's ProtectCare plan. Get an instant quote online in a few easy steps.
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.
Things you should know
1Amount payable upon accidental death/accidental TPD/accidental partial permanent disablement is subject to the limit of RM1,000,000 per life.
2Amount payable upon TPD due to non-accidental causes is subject to the limit of RM4,000,000 per life. "Per life" limit is referred to as the maximum amount Allianz will pay collectively under all your policies with Allianz.
Reduced premium is only applicable for the premium payable in the first 12 months of the policy upon enrolment. Starting from 13th month of the policy, the premium payable shall follow the premium amount stated in the policy schedule.
TPD coverage shall expire upon the Policy Anniversary when the Life Assured attains age sixty-five (65) nearest birthday.
If death/TPD/partial permanent disablement of the life assured is due to accident, it must result directly from bodily injury and occurs within ninety (90) days from the date of accident. Please refer to the definition for bodily injury outlined in the policy document. Bodily injury means bodily injury caused directly and independently of all other causes, by accident of which, except in the cause of drowning or of internal injury revealed by autopsy, there is evidence of visible contusion or wound on the exterior of the body. Internal injury is also compensated provided it is proven that the injury is accidental and not due to sickness. All internal injury must be substantiated by an x-ray or other relevant medical report(s).
Issued by HSBC Bank Malaysia Berhad (Company No. 127776-V) ("HSBC Bank"). HSBC's ProtectCare ("this Plan") is underwritten by Allianz Life Insurance Malaysia Berhad (Company No. 104248-X) ("Allianz Life") and HSBC is the intermediary in distributing this Plan. This Plan is exclusively for HSBC Malaysia Credit and Debit Cardholders only.
The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Allianz Life Insurance Malaysia Berhad or PIDM.
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