WIXLIB

Additional protectionEarly Stage Critical Illness Benefit(Advance Payment)for HSBC Comprehensive Critical Illness Protection PlanAre you eligible for this benefit? You may opt for this benefit if the Life Insured is between the Age* of 15 daysand 65.What doesn’t it cover? In the event that the Life Insured suffers from one of the covered EarlyStage Critical Illness(es), you will receive a lump sum cash payment (i.e. theprotection amount).In each claim, the protection amount is equal to 20% of the Sum Insuredof Basic Plan. For Carcinoma-in-situ or Early Stage Cancer and CoronaryAngioplasty, this protection amount is subject to a per claim limit ofHKD300,000/USD37,500 across all Life Insured’s in-force critical illnessinsurance policies issued by the Company. This benefit will automaticallyterminate when the Total Claims Paid (i.e. total accumulated claims paid inrespect of Early Stage Critical Illness Benefit (Advance Payment) made by theCompany) is 100% of the Sum Insured of Basic Plan.Each of the Early Stage Critical Illness can only be claimed once, exceptCarcinoma- in-situ or Early Stage Cancer and Coronary Angioplasty which canbe claimed twice respectively.Early Stage Critical Illness Benefit for the condition of “Carcinoma-in-situ orEarly Stage Cancer” will be payable for the second time upon the diagnosis of“Carcinoma-in-situ or Early Stage Cancer” at a different organ from that of thefirst. For the avoidance of doubt, if an organ in the body has both a left anda right component (such as, but not limited to, the lungs or kidneys), the leftside and right side of the organ shall be considered one and the same organ.Early Stage Critical Illness(es) that are covered include: Cancer Illness Group1 Carcinoma-in-situ or Early Stage CancerNon-Cancer Illness GroupConditions related to the Cardiovascular System2 Coronary Angioplasty3 Minimal Invasive Direct Coronary Artery By-pass4 Early Cardiomyopathy5 Insertion of a Veno-cava Filter6 Insertion of pacemaker or defibrillator7 Pericardiectomy8 Less Invasive Treatments for Heart Valve Disease9 Secondary Pulmonary Hypertension10 Moderately Severe Infective EndocarditisConditions related to the Nervous System11 Moderately Severe Alzheimer’s Disease12 Moderately Severe Bacterial Meningitis13 Surgical Removal of Pituitary Tumour14 Adrenalectomy for Adrenal Adenoma(continue on next page)Issued by HSBC Life (International) Limited (Incorporated in Bermuda with limited liability)Page 1/6ESC I 001(0717) E15 Moderately Severe Coma

(continued)16 Moderately Severe Creutzfeldt-Jacob Disease (CJD)17 Moderately Severe Encephalitis18 Moderately Severe Brain Damage19 Surgery for Subdural Haematoma20 Early Motor Neurone Disease21 Early Multiple Sclerosis22 Moderately Severe Muscular Dystrophy23 Moderately Severe Myasthenia Gravis24 Moderately Severe Paralysis25 Moderately Severe Parkinson’s Disease26 Moderately Severe Poliomyelitis27 Angioplasty and Stenting for Carotid Arteries28 Cerebral Shunt Insertion29 Endovascular Treatment for Cerebral Aneurysm30 Tuberculous MyelitisConditions related to the Major Organs and Functions31 Acute Necrohemorrhagic Pancreatitis32 Moderately Severe Crohn’s Disease33 Liver Surgery34 Chronic Lung Disease35 Surgical Removal of One Lung36 Biliary Tract Reconstruction Surgery37 Hepatitis with Cirrhosis38 Moderately Severe Kidney Disease39 Major Organ Transplantation (on Waitlist)40 Surgical Removal of One Kidney41 Early Systemic Scleroderma42 Moderately Severe Rheumatoid Arthritis43 Moderately Severe Ulcerative Colitis44 Moderately Severe Systemic Lupus ErythematosusConditions related to Other Illnesses45 Amputation of One Foot due to Complication from Diabetes46 Diabetic Retinopathy47 Loss of Sight in One Eye48 Early Elephantiasis49 Loss of Hearing in One Ear50 Loss of One Limb51 Endovascular Treatment of Peripheral Arterial Disease52 Moderately Severe Pheochromocytoma53 Facial Burns due to Accident55 Facial Reconstructive Surgery for Injury due to Accident56 Osteoporosis with Fractures (cover up to Age of 74)(continue on next page)Issued by HSBC Life (International) Limited (Incorporated in Bermuda with limited liability)Page 2/6ESC I 001(0717) E54 Moderately Severe Burns to Body due to Accident

(continued)Severe Child Diseases (cover up to Age¶ of 18)57 Dengue Hemorrhagic Fever58 Haemophilia A and Haemophilia B59 Kawasaki Disease60 Osteogenesis Imperfecta61 Rheumatic Fever with Valvular Impairment62 Severe Asthma63 Severe Epilepsy64 Severe Juvenile Rheumatoid Arthritis65 Still’s Disease66 Type 1 Diabetes Mellitus67 Type 1 Juvenile Spinal Amyotrophy68 Wilson’s DiseaseWhat is the premium payment period? The premium payment period is the same as Basic Plan or until termination ofthis benefit (whichever is earlier). You should pay the premium for the entirepremium payment term. Any delay or missing of the payment of premiumsdue may lead to policy lapse and the amount, if any, you get back may besignificantly less than what you have paid.How is the premium of this benefitdetermined? The premium† is determined according to the Life Insured’s Age, sex, theprotection amount, premium payment period and whether the Life Insuredsmokes.What doesn’t it cover? “Early Stage Critical Illness” does not include:(a) Any pre-existing condition from which the Life Insured was suffering prior tothe Issue Date of this Policy, the effective date of this benefit, or the effectivedate of last reinstatement, whichever is the latest; or(b) Any illness contracted by the Life Insured within the 90 days following theIssue Date of this Policy, the effective date of this benefit or the effective dateof last reinstatement, whichever is the latest; or(c) Any Human Immunodeficiency Virus (HIV) or any HIV-related illness includingAcquired Immune Deficiency Syndrome (AIDS) or any mutations, derivationor variations thereof.What is the termination condition? This benefit will automatically terminate from the earliest of the followingdates and the premium for this benefit will cease to be payable:(continue on next page)Issued by HSBC Life (International) Limited (Incorporated in Bermuda with limited liability)Page 3/6ESC I 001(0717) E(d) if whenever applicable, this Policy terminates, expires, lapses, or issurrendered; or(e) if whenever applicable, the “Total Claims Paid” is equal to or more than 100%of the Sum Insured of basic plan; or(f) on the Policy Anniversary at which the Life Insured’s Age¶ is 85.

(continued)Important notes A claim must be submitted within 90 days of becoming aware that the LifeInsured suffers from an Early Stage Critical Illness.Death benefit, surrender value, Base Critical Illness Benefit and MultipleCritical Illness Benefit of Basic Plan will be reduced by the amount paid underthis benefit accordingly. The premium payable under both the Basic Plan andthis benefit will not be reduced.Upon the payment of any Base Critical Illness Benefit, this benefit willautomatically terminate.Coverage of Early Stage Critical Illness(es) terminates at Age¶ of 85. SomeEarly Stage Critical Illness(es) terminates before Age¶ of 85 (please refer tosection “What does it cover?” of this factsheet for details). Any outstandingpremiums for this Supplementary Benefit must be paid before any benefitsare payable under this Policy.In the case that more than one early stage critical illnesses are diagnosedin the same event, the benefit relating to one of those early stage criticalillnesses for which the highest protection amount will be payable.Inflation risk — cost of living is likely to be higher in the future than it is todaydue to inflation, therefore you may receive less from the policy in real term inthe future even if the Company meets all of its contractual obligations.July 2017* Subject to the range of issue age of the Basic Plan to which this benefit is attached. Age means your age at your next birthday.¶ The Policy Anniversary at which the Life Insured reaches the specified age based on age at next birthday.† Remains level during the policy term.Important notes:(continue on next page)Issued by HSBC Life (International) Limited (Incorporated in Bermuda with limited liability)Page 4/6ESC I 001(0717) E1. HSBC Life (International) Limited (“the Company”) is incorporated in Bermuda with limited liability, and is one of theHSBC Group’s insurance underwriting subsidiaries.2. The Company is authorised and regulated by the Insurance Authority (IA) to carry on long-term insurance business inthe Hong Kong SAR.3. Early Stage Critical Illness Benefit (Advance Payment) is an optional Supplementary Benefit of HSBC ComprehensiveCritical Illness Protection Plan. Both are underwritten by the Company.4. The Hongkong and Shanghai Banking Corporation Limited (“HSBC”) is an insurance agent of the Company. This productis a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.5. For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction,HSBC will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractualterms of the product should be resolved between the Company and you directly.6. The information shown is intended as a general summary. You should read this factsheet in conjunction with therespective product brochure of Basic Plan and illustration. Please refer to the policy provisions for the detail terms andconditions.

(continued)Illustrative Examples (with EarlyStage Critical Illness Benefit (Advancepayment) selected)Example 1Age of Life InsurediSum Insured of Basic PlanPremium payment periodAnnual premiumiiTotal premiums paidiiOptional Early Stage Critical IllnessBenefit (Advance Payment)In the 11th policy year, the LifeInsured is diagnosed with Carcinomain-situ (Cancer Illness Group). Theclaim amount is equal to 20% ofthe Sum Insured of Basic Plan (i.e.HKD200,000).In the 13th policy year, the Life Insuredis diagnosed with Carcinoma-in-situ(Cancer Illness Group) (at a differentorgan from that of the first claim). Theclaim amount is equal to 20% of theSum Insured of Basic Plan.HKD200,000 HKD200,000A total advance payment ofHKD400,000 (40% of the Sum Insuredof Basic Plan) is deducted from BaseCritical Illness Benefit.:::::40 (Female, Non-smoker)HKD1,000,00010 yearsHKD86,160HKD861,600Base Critical IllnessBenefitThe Life Insured isdiagnosed with Cancer(Cancer Illness Group).The claim amount isequal to 60% (100% ofBasic Plan Sum Insuredless 40% deductedfrom the Base CriticalIllness Benefit for the2 claims paid underCancer Illness Groupin the 11th and 13thpolicy year) of the SumInsured of Basic Plan.Upon the payment ofany Base Critical IllnessBenefit, this Early StageCritical Illness Benefit(Advance Payment)will automaticallyterminate and no annualdividends, if any, will becredited to the Policy.Multiple CriticalIllness Benefit ivThe Life Insuredis diagnosed withCancer (CancerIllness Group).In the 19th policyyear, the Life Insuredis diagnosed withEarlyCardiomyopathy(Non-Cancer IllnessGroup).The claim amount isequal to 100% of the This event cannotSum Insured ofbe claimed as theBasic Plan.Early Stage CriticalIllness Benefit(Advanced Payment)is terminated uponthe payment ofBase Critical IllnessBenefit in the 15thpolicy year.HKD600,000HKD1,000,0001518Multiple CriticalIllness Benefit ivThe Life Insured isdiagnosed with aHeart Attack (Noncancer IllnessGroup).The claim amountis equal to 100% ofthe Sum Insured ofBasic Plan.Multiple CriticalIllness Benefit ivThe Life Insured isdiagnosed with aStroke (Non-CancerIllness Group).The claim amountis equal to 100% ofthe Sum Insuredof Basic Plan.HKD1,000,000HKD1,000,00020220111319(continue on next page)Issued by HSBC Life (International) Limited (Incorporated in Bermuda with limited liability)Page 5/6ESC I 001(0717) EPolicyyear