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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.

For more information, take a look at our insurance products.

How to use it

Think about what you need and value most in your life. Is it your health? Your home? Your pets? A family heirloom? 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

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This publication has been issued by The Hongkong and Shanghai Banking Corporation Limited (HSBC), India, Incorporated in Hong Kong SAR with limited liability, for the information of its customers only. This publication does not constitute investment advice or an offer to sell, or a solicitation of an offer to purchase or subscribe to any investment. The information herein is derived from sources believed to be reliable and the concerned Information Provider(s) have duly authorised HSBC to use such information provided by them. Whilst every care has been taken in compiling the information, HSBC and the concerned Information Provider(s) do not guarantee, or make any representation or warranty and accept no responsibility or liability as to its accuracy or completeness and shall not be liable for damages arising out of any person's reliance upon this information or any action taken or not taken as a result of any material contained in the publication. Expressions of opinion are those of HSBC and the Information Provider(s) only and are subject to change without notice. HSBC has not independently verified any information provided by the Information Provider (s) or that has been derived from the sources believed to be reliable by HSBC. Opinions expressed herein do not have regard to specific investment objectives, financial situation and the particular needs of any specific person who may receive this publication. This document is for circulation in India only. No part of this publication may be reproduced or stored in a retrieval system without the prior written permission of HSBC. Any liability is accordingly expressly disclaimed by HSBC, its officers, directors and employees.