HSBC Garantie des Accidents de la Vie

HSBC Garantie des Accidents de la Vie is a life protection policy that goes beyond the limits of other insurance policies.

• Compensation of up to €1 million per insured party, in the form of a lump sum and/or an annuity.
• Protection starting from 10% of Partial Permanent Incapacity (PPI).
• A single policy to protect all the members of your household (spouse and offspring), if you choose the “Family” package.
• Immediate cover, without medical formalities.

HSBC Garantie des Accidents de la Vie is a collective life insurance policy, subject to individual, optional subscription, taken out by HSBC France with HSBC ASSURANCES IARD (FRANCE), which is a company governed by the French Insurance Code. Subject to the general policy terms and conditions. Legal information about HSBC France can be found in the "Legal information" section of the website.

• Extensive cover
• Compensation of up to €1 million
• Consideration of your personal situation
• Choice of the threshold that entitles you to compensation
• Comprehensive, personalised assistance
• 2 packages to choose from
• The advantages of HSBC Garantie des Accidents de la Vie

You may think that you’re well covered by the insurance policies you already hold, but most of them do not offer any protection against day-to-day accidents. With HSBC Garantie des Accidents de la Vie(1), you and your family will be covered, wherever you are.

Extensive cover

Say you suffer a fall, a bicycle or roller-blading accident, burns or a physical assault. Social Security offers limited coverage for accidents occurring outside the workplace. HSBC Garantie des Accidents de la Vie comes into play in the event of household accidents, accidents during leisure activities, or following a medical malpractice.

Compensation of up to €1 million

Because death or disability can have very serious financial and psychological consequences, HSBC Garantie des Accidents de la Vie offers compensation of up to €1 million per insured party.

Consideration of your personal situation

Your family and professional situation is unique.  That is why the amount of compensation you receive is tailored to you. It takes into account your professional income, your family situation (if you are married or single, if you have dependent children, etc.), visible after-effects, the level of suffering, etc.

For example: After falling down a staircase, Mrs S. suffers from a dislocated right shoulder, causing an 18% incapacity.  She would receive compensation of € 22,500, taking into account both her disability and the suffering and visible damage she has had to endure.

Choice of the threshold that entitles you to compensation

It is you determines the level of incapacity at which you will receive compensation. By choosing a threshold of above 10% incapacity, you will be protected from the consequences of serious accidents.  By raising this threshold to 30% incapacity you can benefit from lower premiums.

Comprehensive, personalised assistance

HSBC Garantie des Accidents de la Vie offers a range of services, from medical advice to the repatriation of deceased bodies, to childcare in the event of hospitalisation, in order to support you or help you in your day-to-day life.

2 packages to choose from

Do you have a family? With the “Family” package, all the members of your household are automatically covered. You do not need to name the people to be insured⁽¹⁾.  Live-in partners, whether or not you have a PACS agreement (French civil partnership), benefit from the same protection as married spouses. You do not need to take out 2 individual policies.

Are you single? The “Individual” package covers single people who need protection from unforeseen events, in order to safeguard their lifestyle.

The advantages of HSBC Garantie des Accidents de la Vie

• Immediate coverage, without medical formalities.
• Every year, you can change the compensation-entitlement threshold (10% or 30% incapacity).

Day-to-day accidents cause three times more deaths and injuries than road accidents. At any time, you or your loved ones’ lives could be seriously disrupted.

(1) Within the limits of the general policy terms and conditions.