PersonalProtection - Personal Cover

It's not something we like to think about but unfortunately, it happens quite often. A family can be placed under incredible financial stress when the main income earner dies or suffers a critical health problem or faces permanent disability.

Do you have a plan in place for such eventualities? Remember that medical expenses need to be paid. Bills and day-to-day family expenses need to be met.

It's therefore comforting to know that, should you suffer a disabling illness or ill-timed bereavement, the financial effect can now be protected against and the consequences to your loved ones can be minimised.

Set your mind at ease with HSBC's PersonalProtection Personal Cover. This comprehensive risk protection plan is designed to cover personal and family financial affairs in the event of untimely death, disability, hospitalisation or critical illness.

We offer the following covers under Personal Cover Plan:

Life Cover

A lump sum paid in the event of death. Guaranteed to age 99, with yearly renewable or level 15 (to age 80 guaranteed) premium structures.

Trauma Cover

A lump sum paid in the event of critical illness. Guaranteed renewable to age 70, with yearly renewable or level premium structures.

Income Protection

A payment of income in the event of disability.

Vital Income Protection

A payment of income in the event of disability caused by a critical illness.

Monthly Life Cover

A payment of a monthly benefit in the event of death.

Total & Permanent Disability Cover

A benefit which pays out a lump sum in the event of total and permanent disability.

Superior Health Cover

Reimburses the usual, customary and reasonable expenses for private hospital admissions in New Zealand.

Superior 3 Health Cover

Reimburses the usual, customary and reasonable expenses for private hospital admissions in New Zealand with pre-existing medical conditions covered after 3 years of premium payment.

Waiver of Premiums

Should you suffer total permanent disability due to accident or illness and are still not able to return to work for the required waiting period you will still enjoy full cover while your premium payments are put on hold until you return to work or until the age of 65.

A Choice of Payments

You have the convenience of paying regular monthly premiums through our Direct Debit facility. Alternatively, you may make annual payments.

For more information contact our Customer Service Centre on 0800 80 23 80.

Money Back Guarantee

If you are not completely satisfied with your PersonalProtection Personal Cover Plan, please contact your nearest HSBC Wealth Centre or our Customer Service Centre on 0800 80 23 80 for further assistance. Alternatively, you may return the policy to us within 14 days of its issue and your money will be refunded in full.

Your Guarantee of Quality

PersonalProtection Insurance is arranged by HSBC and underwritten by American International Assurance Company (Bermuda) Limited, trading as AIA New Zealand, one of the largest and oldest organisations of its kind in the world.

Important Note: The above information is intended as a general summary only. For full Terms and Conditions and details of exclusions, please refer to our PersonalProtection Insurance Policy Schedule.