Top of main content

Protect what matters

Father and son flying kite in the beach; image used for HSBC India Protect what matters article

Insurance is designed to protect you against some of life's risks.

At HSBC, we offer a range of insurance products to suit your needs. These include a choice of life insurance, investment linked insurance and life cover products. You'll also find our general insurance products range that includes car, health, fire, property insurance and more.

How to use it

Think about what you need and value most in your life. Is it your health? Your home? Research what it would cost to protect them with insurance. Remember that all insurance costs money and so you will need to include these costs, or premiums, in your monthly budget.

It's also important to factor in any terms and conditions associated with an insurance policy, for example, any excess that would need to be paid in the event of a claim, existing medical conditions that should be declared, as well as any other exclusions.

A healthy approach to protecting you and your family against risk involves two steps:

  1. Apply for insurance to cover substantial risks that you would find it hard to recover from if they occurred, like a fire or permanent injury.
  2. Meet smaller, unexpected costs by putting aside a regular, monthly sum into an emergency savings fund.

Comparing insurance policies

Comparing insurance policies from different providers isn't always straightforward. It's important to compare all the elements that make up an insurance policy, including:

  • Cost of premium
  • Cost of excessive (if applicable)
  • Any terms or conditions imposed
  • Fees or penalties for missing payments
  • Tax or other implications
  • Claim payment ratio

Explore insurance products

Back to top  

Take the next step

Financial wellbeing

A tourist enjoying sunset at a resort; image used for HSBC India How to stay financial healthy article
Here are some tips to put you on a financially fit path.
A man in suit on a bike; image used for HSBC India Getting financially fit article
Find out about your financial fitness
Father and son looking up the sky with binoculars; image used for HSBC Spend wisely article
Be in control of what you spend your money on.

Disclaimer

This article is brought to you by The Hongkong and Shanghai Banking Corporation Limited, India (HSBC India). All information provided is for informational purposes only and is not intended to be construed as advice or an offer for any product or service. HSBC India is not liable for any informational errors, incompleteness, delays, or for any actions taken in reliance on information contained herein. HSBC India (IRDAI registration number CA0016), having its India corporate office at 52/60, M. G. Road, Fort, Mumbai - 400001, India, is a corporate agent of Bajaj Allianz General Insurance Company Limited and SBI General Insurance Company Limited for general insurance products and is a corporate agent of Canara HSBC Life Insurance Company Limited for life insurance products. HSBC India does not act as an insurer or underwrite the risks and does not accept any responsibility for any decision made by the insurers.