Term life insurance shouldn't be hard to understand. That's why we created a fuss-free insurance plan that helps take care of your loved ones and secure their future goals – in the event you're unable to. What's more, you have the flexibility to stretch your coverage by including the optional critical illness rider for a greater peace of mind.

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Protection Cover

Up to S$1,000,000

Protection Period

10 years, guaranteed renewable up to ageFootnote:1 90


HSBC Insurance Online Critical Illness Rider

Premium Discounts

Stand to enjoy discounted premiums by answering 4 lifestyle questions.

How HSBC Insurance OnlineProtector benefits you

Guaranteed policy renewals every 10 years

You will qualify for policy renewals every 10 years until you turn 90, without the need for medical proof provided the policy is still in force.

Stand to enjoy premium discounts

Answer 4 lifestyle questions to find out if you are entitled to a discounted premium instantly.

Unemployment benefit

Enjoy the flexibility to defer your premium(s) for up to a maximum of one year without interest.

Footnote:1 Age refers to age next birthday and denotes the insured's age at a particular time with the addition of 1 year.

Enhance your coverage

HSBC Insurance Online Critical Illness Rider

In the unfortunate event of a critical illness, a sum insured of up to S$650,000 will be paid out. The overall sum insured of the plan will then be reduced by the CI amount paid out.

The rider covers 30 critical illnesses including stroke, certain types of cancer and heart diseases.

Product reference materials

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Coverage and add-on(s)

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Important notes

HSBC Insurance OnlineProtector is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No. 195400150N), 10 Marina Boulevard, Marina Bay Financial Centre Tower 2 Level 48-01, Singapore 018983. This webpage contains only general information and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. This is not a contract of insurance and is not intended as an offer or recommendation to buy the product. A copy of the product summary may be obtained on this website. You should read the product summary before deciding whether to purchase this product as this product is sold online without any advice. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions of this product. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost. This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites ( or Information is correct as at 22 April 2022. This advertisement has not been reviewed by the Monetary Authority of Singapore.