HSBC Swift Guard Critical Illness Plan

Benefit term: 10 yearsPublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Recorded features: Death benefit is subject to the policy terms. / No guaranteed cash value. / Maturity benefit is 101% of total premiums paid if no claim has been made throughout the policy term.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Sum insured ranges from HKD100,000 per policy to a maximum HKD2,500,000 per insured life. These are sum-insured limits, not minimum premium amounts.Public source · Checked: 13 Oct 2026

Premium payment terms: 2 years / 5 yearsPublic source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Payment periods are two or five years. Payment can be aggregate premium, monthly or annually through the stated HKD bank-account method.Public source · Checked: 13 Oct 2026

The brochure specifies ages on an age-next-birthday basis.Public source · Checked: 13 Oct 2026

Premiums remain level and guaranteed during the premium payment term.Public source · Checked: 13 Oct 2026

Guaranteed / non-guaranteed components: No guaranteed cash value.Public source · Checked: 13 Oct 2026

No guaranteed cash value.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

The brochure gives a Guaranteed Cash Value schedule that increases during the policy term and is payable on surrender before the benefit cessation date, subject to the policy conditions.Public source · Checked: 13 Oct 2026

Critical Illness Benefit excludes signs or symptoms manifesting within 90 calendar days after the policy date or last reinstatement, whichever is later.Public source · Checked: 13 Oct 2026

The policy excludes known pre-existing conditions and the specified initial-period illnesses. Suicide within one year of issue or reinstatement, whichever is later, limits death benefit to premiums less previous beneficiary payments.Public source · Checked: 13 Oct 2026

The owner can receive the corresponding Guaranteed Cash Value on surrender before the end of the policy term, subject to the policy terms.Public source · Checked: 13 Oct 2026

The document states a 21-day cooling-off period; cancellation and refund conditions apply.Public source · Checked: 13 Oct 2026

The signed written cancellation request must reach HSBC Life within the stated 21-calendar-day cooling-off period after delivery of the policy or notice, whichever is earlier. The refund conditions in that section apply.Public source · Checked: 13 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Steps: Download the relevant forms, complete and attach evidence, submit, then follow SMS and specialist updates.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: Online upload, HSBC branch or mail to 18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon.Public source · Checked: 13 Oct 2026

Critical illness — Assessment / payment timing: Once approved, payment is issued by the chosen method within an average of 2 business days; this is not an approval target.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: Use the illness-specific major illness / terminal illness forms; supporting evidence follows the selected form.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026

The plan covers 76 critical illnesses and four additional conditions: Terminal Illness, Total Permanent Disability, Loss of Independent Existence and Major Medical Treatment, under their policy definitions.Public source · Checked: 13 Oct 2026