VitalCare

* The critical illness benefit payable on all policies issued is subject to a total of S$1,000,000 per life.

# VitalVantage will terminate if the life insured is diagnosed with Terminal Illness or Apallic Syndrome (universal necrosis of the brain cortex with the brainstem intact) as the first critical illness.

+ Excludes critical illnesses that are the same or related to the first clinical illness claim and any vascular-related illness where the first critical illness was also a vascular-related illness. Vascular-related illness refers to Coronary Artery Bypass Surgery, Heart Attack, Surgery to Aorta and Stroke (including paralysis as a result of cerbrovascular incident). In the event of death after a one-year waiting period from the date of diagnosis of the first critical illness claim and within 14 days after the date of diagnosis of the second critical illness, the beneficiaries will receive 10% of the benefit or S$10,000, whichever is lower.

^ The coverage up to 99 years of age for VitalVantage is applicable only if the first critical illness is diagnosed before 65 years of age at next birthday.

** Monthly premium quoted is based on a non-smoking male, 30 years of age, who makes payments throughout the whole policy term.

## Benefit will not be payable if the life insured is diagnosed of a second critical illness within one year from the date of diagnosis of the first critical illness or does not survive at least 14 days after the date of diagnosis of the second critical illness.

Important notes

VitalCare and VitalVantage are underwritten by HSBC Insurance (Singapore) Pte. Limited 10 Eunos Road 8 #11-01 Singapore Post Centre Singapore 408600.

This webpage contains only general information. It does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. A person interested in this product should read and consider the Product Summary and Benefit Illustration in deciding whether to buy this product. You can ask for the Product Summary from our authorised agents or distributors, including The Hongkong and Shanghai Banking Corporation Limited (together "the Agents").

Buying a life insurance policy is a long-term commitment. An early termination of the policy includes high cost and the surrender value payable may be less than the total premiums paid.

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 your insurer or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

The Agents are neither underwriter nor broker for you. To the fullest extent permissible pursuant to applicable law, the Agents make no warranties or representation as to the accuracy, correctness, reliability or otherwise of the content of this marketing material. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering the marketing material be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the liability to use, the information in this marketing material, even if the Agents have been advised of the possibility of such damages.

The Agents and/or their employees will receive a commission from HSBC Insurance (Singapore) Pte. Limited in respect of the insurance products and services purchased by you. The Agents are not suppliers of the products and services and will not accept liability in relation thereto.

Issued by HSBC Insurance (Singapore) Pte. Limited.