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About HSBC Life (UK) Limited
HSBC Life (UK) Limited is the life insurance and protection arm of the HSBC Group in the United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
HSBC Life offers a range of pure protection products designed to provide financial security for individuals and families. Their products are available both directly through HSBC and through independent financial advisers.
Regulated by
FCA & PRA
Part of
HSBC Group
Children’s CI
Included
Distribution
Direct & adviser
HSBC Life Critical Illness Cover
Critical illness cover pays a tax-free lump sum if you’re diagnosed with a covered condition during the policy term. The quality of a CI policy depends heavily on the breadth and generosity of its condition definitions, which is why independent advice matters.
Lump sum on diagnosis
HSBC Life critical illness cover pays a tax-free lump sum on diagnosis of a covered condition. The money can be used however you choose. To pay off a mortgage, cover medical costs, adapt your home, or replace lost income.
Standalone or combined with life insurance
HSBC Life critical illness cover can be taken as a standalone policy or combined with life insurance. A combined policy pays out on whichever occurs first, death or a qualifying critical illness diagnosis.
Children’s critical illness cover included
Why definitions matter
Not all critical illness policies are equal. The breadth and precision of condition definitions determines whether a claim is paid. We compare HSBC Life’s definitions with other insurers, including Guardian, Royal London and AIG.
Waiver of premium
Added-value benefits
24/7 GP helpline
Access to a 24-hour GP telephone helpline, allowing policyholders to speak to a qualified doctor at any time of day or night, without waiting for an NHS appointment.
Mental health support
Access to mental health support services, including the ability to speak to a mental health professional. Designed to help policyholders address concerns early before they escalate.
Second medical opinion
Access to a second medical opinion service, allowing policyholders to seek an expert review of a diagnosis or treatment plan from a specialist consultant.
Bereavement support
Access to bereavement support services for policyholders and their families, providing practical and emotional assistance during a difficult time.
Probate helpline
Access to a probate helpline providing guidance on the legal process of administering an estate after a death, a practical benefit that can save families significant time and stress.
HSBC Life explained
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Why use an independent adviser for HSBC Life?
HSBC Life products are available directly through HSBC, but buying direct means you only see one provider’s products. An adviser like That's Family Finance can compare HSBC Life against other UK protection providers, including Guardian, Royal London, Legal & General, Aviva, Zurich, Vitality and LV=.
This matters particularly for critical illness cover, where the breadth of condition definitions varies significantly between providers. A policy that looks similar on price may offer very different real-world protection depending on how conditions are defined.
Our advice is free of charge at the point of advice. We may be paid commission by the insurer if you take out a policy, which we will always disclose clearly.
You might also find this useful
Other protection providers and value added benefits we advise on.
Guardian Critical Illness Cover Explained
Adviser-only pure protection with some of the most comprehensive CI definitions in the UK market.
Royal London Helping Hand Explained
Free wellbeing and recovery support included with all advised Royal London protection plans.
L&G Wellbeing Support Explained
Free nurse-led wellbeing support included with Legal & General protection plans from day one.
Aviva Global Treatment Explained
Access to world-leading hospitals and treatments for six serious conditions.
LV= Doctor Services Explained
24/7 remote GP, mental health support and physiotherapy included with LV= protection policies.
Get Protection Advice
Not sure which provider is right for you? Send us an enquiry for an honest view.
Protection advice, available across the UK
That’s Family Finance provides protection advice to families and individuals across England, Scotland, Wales and Northern Ireland. Whether you’re in London, Manchester, Birmingham, Leeds, Bristol, Sheffield, Edinburgh, Cardiff, Essex or anywhere in between, we work with you remotely or in person to find the right cover for your circumstances.
We advise on HSBC Life alongside other protection providers, including Guardian, Royal London, Legal & General, Aviva, Zurich, Vitality and LV=.
We are not HSBC. That’s Family Finance can advise on HSBC Life and many other providers, and we’ll always tell you honestly which one suits you best.
Want to know if HSBC Life is right for you?
Send us an enquiry or reach us on WhatsApp for an honest, no-obligation view.
Not tied to HSBC
Common questions
Questions we’re asked about HSBC Life insurance.
Added-value services included with HSBC Life policies are provided by third parties and are not part of the core insurance contract. They may be amended or withdrawn by HSBC Life at any time. Always refer to HSBC Life’s own policy documentation for the most current details, including the full list of covered conditions, definitions, and exclusions.
We are not HSBC. This page contains information about HSBC Life’s protection products based on HSBC Life’s published materials at the time of writing. Always refer to HSBC Life’s own documentation for the most current details.
Talk it through with us
Tell us what you have in mind and we will come back to you, usually the same day. We are open Monday to Saturday, 9am to 8pm.