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Mortgage Protection Plan

Last checked

At a glance

Insurer
HSBC Life (International) Limited
Product category
Term life
Policy currencies
HKD
Issue ages & basis
Issue ages & basis (1)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
19 years to 60 years
Age basis: Not confirmed
  • Life protection follows the selected mortgage term of 5–30 years, or to age 65 if earlier.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

4 of 13 known · 0 not published · 9 not yet checked
What it pays and when

Recorded features: Life protection follows the selected mortgage term of 5–30 years, or to age 65 if earlier.Public source · Checked:

Benefit limits
not yet checked
Premium and payment term
not yet checked
How premiums can change
not yet checked
Guaranteed / non-guaranteed
not yet checked
Waiting periods
not yet checked
Main exclusions
not yet checked
Surrender / cancellation
not yet checked
Cooling-off

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

Riders
not yet checked
Claims steps

Insurer claims guide · Life / death

Life / death — Steps: Download the relevant forms, complete and attach evidence, submit, then follow SMS and specialist updates.Public source · Checked:

Life / death — Submission channels: Online upload, HSBC branch or mail to 18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon.Public source · Checked:

Life / death — 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:

Life / death — Required documents: Use the HSBC Life death claim form and its supporting-document instructions.Public source · Checked:

Policy servicing from abroad
not yet checked
Complaints and dispute routes

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

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:

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:

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:

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Questions to ask before buying

Questions to ask before buying (11)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What benefit limits apply?
  2. How much is the premium, and how long must I pay it?
  3. When and how can premiums change?
  4. What waiting periods apply?
  5. What exclusions apply?
  6. What are the cancellation terms and any surrender value or charges?
  7. Which riders are available, and what are their costs and terms?
  8. How can I service the policy from abroad, and what restrictions apply?
  9. Can you provide the key facts statement and policy provisions for this product?
  10. What is the cooling-off period, and how do I cancel during it?
  11. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

More product information from this insurer:

HSBC Family Goal Insurance Plan

Goals and audience categories described by product type

Insurers (14)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Term life

Source 1Source 4
Policy currencies

HKD

Source 1Source 4
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
19 years to 60 years
Age basis: Not confirmed
Source 1Source 4
Recorded features

Life protection follows the selected mortgage term of 5–30 years, or to age 65 if earlier.

Source 1
Names in other languages
English
Mortgage Protection Plan
繁體中文
樂安居供樓保障計劃
简体中文
乐安居供楼保障计划

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. Mortgage Protection Plan — official product page

    Source date: Not confirmed

  2. Mortgage Protection Plan — official product page

    Source date: Not confirmed

  3. Mortgage Protection Plan — official product page

    Source date: Not confirmed

  4. Mortgage Protection Plan — official brochure

    Source date: Not confirmed