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Simple Life Insurance

Simple Life Insurance

Life insurance cover made easy

Be covered for your lifetime.
Covers Flexible payments Minimal paperwork
Your life, critical illness or permanent and total disability Yes Yes

Here's what you get:

Life cover – pays a cash sum if you pass away from USD100,000 to USD350,000.
Optional critical illness cover – pays a cash sum if you are diagnosed with a critical illness during your policy.
Optional permanent and total disability cover – pays a cash sum if you suffer from a disability and are unable to work.

More benefits:

Quick and easy to arrange – minimal paperwork and no medical examination*.
Terminal illness benefit included.
Internationally portable.

Feature Benefit
No automatic medical examination, just a few simple health and lifestyle questions Straightforward application process, avoiding unnecessary medical tests and reducing the time to you receiving your policy
Fixed premiums for fixed life cover sums assured Peace of mind at an affordable price
Option to add critical illness or permanent total disability to the policy Additional cover in case you need it
Plan term ranging from 5 years to 35 years Flexibility to choose a term that you are comfortable with
Terminal illness Terminal illness included as part of life cover at no additional charge

Here's what you get:

  • Individual cover for death due to any cause*
  • Plans from 5 to 35 years
  • Single cover, choice of beneficiaries
  • Available in sounds sterling, US dollars and euros

For individuals, the minimum age for taking the policy is 18 years and the maximum age is 55

The policy is available for a single life

Your premiums are dependent on:

  • How much cover you need
  • The term of the policy (ranging from 5 years to 35 years)
  • Your age and gender
  • Your health and lifestyle, including whether you smoke or not
  • The benefits you select

Life insurance cover made easy – cover you or your spouse's life at little cost. You or the named beneficiary will be paid a cash sum in the event of death or terminal illness with Simple Life Term Life insurance.

Ready to apply? Have us call you

This Life Insurance plan is provided and underwritten by Zurich International Life.

This is only general information and does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. A person interested in this product should read and consider the Product Brochures, Product Summary and Benefit illustration in deciding whether to buy this product. You can ask for these documents from any of our Branches.

Buying a life insurance plan is a long-term commitment. An early termination of the plan usually incurs high cost and the surrender value payable (if applicable) may be less than the total premiums paid. The terms & conditions applicable to these products will be of Zurich International Life and the applicant or the plan holder will not hold HSBC responsible for processing, claims or otherwise.

For the avoidance of doubt, HSBC does not provide tax advice and you should seek your own external tax advice in relation to this product.

You are leaving hsbc.ae

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.

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Simple Life Insurance

Simple Life Insurance

Life insurance cover made easy

Overview

Covers
Your life, critical illness or permanent and total disability

Flexible payments
Yes

Minimal paperwork
Yes

 

Here's what you get:

  • Life cover – pays a cash sum if you pass away from USD100,000 to USD350,000.
  • Optional critical illness cover – pays a cash sum if you are diagnosed with a critical illness during your policy.
  • Optional permanent and total disability cover – pays a cash sum if you suffer from a disability and are unable to work.

More benefits:

  • Quick and easy to arrange – minimal paperwork and no medical examination*.
  • Terminal illness benefit included.
  • Internationally portable.

 

Feature Benefit
No automatic medical examination, just a few simple health and lifestyle questions Straightforward application process, avoiding unnecessary medical tests and reducing the time to you receiving your policy
Fixed premiums for fixed life cover sums assured Peace of mind at an affordable price
Option to add critical illness or permanent total disability to the policy Additional cover in case you need it
Plan term ranging from 5 years to 35 years Flexibility to choose a term that you are comfortable with
Terminal illness Terminal illness included as part of life cover at no additional charge

Coverage

Here's what you get:

  • Individual cover for death due to any cause*
  • Plans from 5 to 35 years
  • Single cover, choice of beneficiaries
  • Available in sounds sterling, US dollars and euros

Eligibility

For individuals, the minimum age for taking the policy is 18 years and the maximum age is 55

The policy is available for a single life

Your premiums are dependent on:

  • How much cover you need
  • The term of the policy (ranging from 5 years to 35 years)
  • Your age and gender
  • Your health and lifestyle, including whether you smoke or not
  • The benefits you select

FAQs

What additional covers could I add?

Simple Life also gives you the flexibility to add one of the following benefits to your policy:

  • Critical illness benefit, or
  • Permanent and total disability benefit

Critical Illness benefit pays a cash sum if you are diagnosed with one of the defined illness or conditions covered by your policy (including cancer, heart attack and stroke).

Permanent and Total Disability (PTD) benefit pays a cash sum if an illness or accident leaves you permanently and totally disabled.

 

How much will it cost?

Your premiums are dependent on:

  • How much cover you need
  • The term of the policy (ranging from 5 years to 35 years)
  • Your age and gender
  • Your health and lifestyle, including whether you smoke or not
  • The benefits you select

 

What payment methods are available?

  • Monthly and annual premiums must be paid by standing instruction. Premiums must be paid in the same currency as the policy
  • If a premium is not paid within one calendar month, Zurich International Life Limited allows up to three months before lapsing the policy
  • The policy provides protection only and will therefore not acquire a cash-in value at any time

 

If I leave the UAE, can I take the plan with me?

Yes, providing you maintain your premiums, the plan is fully portable and can move around with you.

 

Do I get my money back at the end of the policy term?

The premium amount is guaranteed for the life cover throughout the term while the premium for critical illness will be reviewed at certain points in time within the term of the policy by the insurance provider.

hsbc
Life insurance cover made easy – cover you or your spouse's life at little cost. You or the named beneficiary will be paid a cash sum in the event of death or terminal illness with Simple Life Term Life insurance.

Ready to apply?

Start the process using any of the following options
 

Have us call you

 

Our representative will call you back in 60 minutes* to proceed with your request.


* Our wealth management team is available from Sunday to Thursday, 9:00am to 4:30pm. If your form is submitted outside of these times, we will call you back on the next working day.

 

This Life Insurance plan is provided and underwritten by Zurich International Life.

This is only general information and does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. A person interested in this product should read and consider the Product Brochures, Product Summary and Benefit illustration in deciding whether to buy this product. You can ask for these documents from any of our Branches.

Buying a life insurance plan is a long-term commitment. An early termination of the plan usually incurs high cost and the surrender value payable (if applicable) may be less than the total premiums paid. The terms & conditions applicable to these products will be of Zurich International Life and the applicant or the plan holder will not hold HSBC responsible for processing, claims or otherwise.

For the avoidance of doubt, HSBC does not provide tax advice and you should seek your own external tax advice in relation to this product.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access a non - HSBC website. HSBC Bank Middle East Limited has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.ae

This link may allow you to access another HSBC Group website. Please read the terms and conditions of the linked website, which may differ from the terms and conditions of HSBC Bank Middle East Limited website.

How to apply

Are you already an HSBC UAE customer?

Or call: 04 324 4282

What if I'm not eligible

HSBC works to develop products and services to meet your requirements. To simplify the criteria for each product we provide a minimum salary or deposit criteria.

Find out more about HSBC Whole Life Insurance

Thank you for wishing to bank with HSBC. To apply for this product simply click Apply Now to fill out your details and let one of our experienced HSBC representatives call you back. Alternatively you can call us on the number below, whatever is more convenient for you.

Or call: 04 324 4282