Personal Protection - 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 Personal Protection 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.

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HSBC Life Cover

HSBC Life Cover provides your loved ones with the financial support they need in the event of your death. If you're diagnosed with a terminal illness that is likely to result in your death within twelve months, you may choose to have your insurance paid out early. This may allow for quality time for you and your family when you need it.

Life Cover

Cash Back Life Cover

Cash Back Life Cover has a premium return option and a 20-year term. It provides a partial refund of your premiums after six years or a 100% refund of your premiums after 20 years if a claim hasn't been made.

Cash Back Life

Life Cover

HSBC Life Cover offers a lump sum payment to your estate in the event of your death.

Level 15 Life Cover

Level 15 Life Cover keeps your premiums at the same rate for 15 years at a time, making it easier to budget.

Plus, all our Life Covers have a funeral benefit and a financial planning benefit, giving you the extra assurance that your family will have these important things taken care of should the worst happen.

HSBC Trauma Cover

Trauma insurance is ideal for those who know they would struggle financially if they were diagnosed with a serious condition and unable to work for a period of time.

Key benefits

Provides a lump sum that could be used to repay debt
May be used to pay for alternative medical treatment not covered by Pharmac
May cover the costs of home help or childcare if one parent is critically ill
May relieve financial pressures and stress at a time when the Life Insured needs to focus on recovery

HSBC Total Permanent Disability Cover (TPD)

Total Permanent Disability Cover is relatively inexpensive in most cases compared with other personal insurance, however it does fulfil an important part of the personal protection safety net and for that reason it is a valuable yet inexpensive add-on to your life and/or trauma cover.

Key benefits

Provides future financial security
Enables family to continue their current lifestyle
Provides a lump sum that could be used to repay debt or cover medical costs or lifestyle adjustments

HSBC Income Protection Cover

If your income suddenly stopped due to illness or injury, how long could you and your family cope financially?This is a question that every working New Zealander needs to take time to consider.

If your income stops, it is likely that your financial obligations can’t be put on hold; home loans, household bills and general living expenses still have to be met. After an agreed Wait Period, HSBC Income Protection Cover pays a monthly income until the Life Insured recovers or the benefit period is reached.

Key benefits

Provides a monthly income to manage ongoing household bills and living expenses
Lets you focus on recovering rather than feeling the stress of building financial pressures
Enables your family to continue their current lifestyle
Enables you to return to work gradually by topping up your income