HSBC Life HappyMummy Review

HSBC Life HappyMummy is a two-plan bundle maternity plan consisting of HSBC Life EmpoweredMum prenatal plan and HSBC Life Flexi Protector or HSBC Life – Life Treasure III, offering focused protection for you and your newborn.

HSBC Life HappyMummy product details

• Life policy – Whole Life Policy
• Age of Entry
  • 18 to 45 years old
• Receive 15% sum assured if the Life Assured has undergone a delivery at less than 36 weeks of gestation by caesarean section.
• Stay protected from a comprehensive list of covered pregnancy complications, congenital illnesses and hospitalisation events.
• Enjoy flexibility to transfer coverage of HSBC Life Flexi Protector or HSBC Life – Life Treasure III plan from Mother to newborn Child without underwriting, within 60 days from Child’s birth.
• Free first year HSBC Life Shield Plan B for child when you apply within 60 days from child’s birth.
  
  

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Cash and Cash Withdrawal Benefits
Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage
Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: No (Yes with rider)
Early Critical Illness: No (Yes with rider)

Health and Insurance Coverage Multiplier
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders
N.A.

Additional Features and Benefits
Yes.

For further information and details, refer to HSBC Life website. Alternatively, fill up the form below and let us advise accordingly.

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HSBC Life HappyMummy may be suitable if you are looking for

HSBC Life HappyMummy may potentially be a good fit if the following matters to you:

• Initial high protection for Death, Total and Permanent Disability, and Terminal Illness coverage at an affordable premium
• Initial high Early Critical Illness, Critical Illness coverage with riders
• Health and Protection coverage due to a shortfall in your Insurance Portfolio
• Accidental death coverage up to 14x of Sum Assured with a rider
  
  

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HSBC Life HappyMummy may not be suitable if you are looking for

HSBC Life HappyMummy may potentially be a bad fit if the following matters to you:

• Liquidity or flexibility of withdrawal in your Insurance policy.
• Access to cash from your policy on a regular basis.
• Insurance policy with a high surrender value in the early years of the policy.
• Potentially higher financial returns compared to a pure investment product.
  
  

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Further considerations on HSBC Life HappyMummy

• How are the investment returns of HSBC Life or HSBC Life HappyMummy based on historical performance?
• How good is HSBC Life HappyMummy compared to Whole Life Policy from other insurance companies?
• Can HSBC Life HappyMummy fulfill my financial insurance, health, and protection needs?
  
  

The above information may not fully highlight all the product details and features on HSBC Life HappyMummy. Talk to us or seek advice from a financial adviser before making any decision about HSBC Life HappyMummy.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering taking up.

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Is HSBC Life HappyMummy suitable for me?