HSBC France

Making you and your loved ones secure

A customisable policy

  • Choice of capital sum to be guaranteed
    You choose from one of our three formulas the capital sum, between €50,000 and €200,000, that you think is necessary to protect your family.(1)
  • In the event of accidental death, the capital sum shall be paid to the loved ones designated by you as beneficiaries.
  • In the event of Total and Irreversible Loss of Autonomy following an accident and in view of the material and financial consequences of this state of disability, the capital sum is paid to you directly to enable you to make adjustments to your home, for example, or employ a carer to look after you.
  • The option of an education annuity
    Add an education annuity to be paid to the children designated by you as beneficiaries (lump sum payment of €2,500 to €10,000 a year according to the capital sum chosen), up to 25 years of age if the children are students, or until they turn 18 if not. Stepfamily? Nieces and nephews, grandchildren… the children covered by the annuity can be chosen from outside your immediate family circle.
  • Free choice of beneficiaries
    The designated beneficiaries under the general conditions are my spouse, or, failing this, my existing or future children, or, failing this, my legal heirs.
    This beneficiary clause may be modified and you may freely designate the beneficiaries in the event of your death and pass on a capital sum to your loved ones even outside the family circle.
Events covered following an accident Lump sum
Formula 1 Formula 2 Formula 3
Dealth/Total and Irreversible Loss of Autonomy (TILA) 50 000€ 100 000€ 200 000€
Education Annuity option Annual amount paid per child 2 500€ 5 000€ 10 000€

A flexible and dynamic policy

No medical formalities need to be fulfilled when subscribing to HSBC Protection Avenir.

The chance to make adjustments to your policy

You are free to modify the formula and the designated beneficiary/ies at any time.
The choice of the Education Annuity option is made upon subscription, the annual lump sum payment dependent on the sum insured.
You can add or remove a child as a beneficiary at any time.

Few cover exclusions:

  • epileptic seizure, delirium tremens, aneurysm, heart attack, cerebral embolism or brain haemorrhage, cardiac arrest, or stroke,
  • an Accident caused intentionally by the Insured or the Beneficiary of the policy, - suicide or a suicide attempt by the Insured, - an Accident occurring while the Insured is under the influence of drugs or similar substances, medications or treatments in non-medically prescribed doses, - an Accident due to the Insured driving while drunk where his or her blood alcohol level is equal or higher than the legal rate in force in the country in which the Accident takes place, - the consequences of a Civil War or Foreign War, riots, people’s movements, a fight (except in self-defence), piracy, terrorism, epidemics, pollution, -an Accident occurring while the Insured engages in professional sport, - any direct or indirect result or consequence of any contact with, or contamination by, nuclear, chemical or biological substances, or any source of radioactivity.

Tailor-made price plan

The amount of the contribution is set and determined in accordance with the formula chosen (capital sum chosen, education annuity option).
Contributions are paid on a monthly basis.
The Education Annuity contribution is defined in accordance with the age of each designated child.
For any new subscription to HSBC Protection Avenir, you receive one month of contributions free.

Events covered following an accident Lump sum
Formula 1 Formula 2 Formula 3
Dealth/Total and Irreversible Loss of Autonomy (TILA) 5,95€ 11,90 23,80€
Education annuity option Additional monthly amount/child
0-4 years 4,50€ 9,00€ 18,00€
5-9 years 3,75€ 7,50€ 15,00€
10 to 14 years 2,75€ 5,50€ 11,00€
15 to 18 years 2,00€ 4,00€ 8,00€

A tax-friendly solution

In the event of your death, the capital sums received are exempt from death duties if the beneficiary is your spouse. In the event of Total and Irreversible Loss of Autonomy, the capital sum paid is exempt from income tax.

* Dial +33 810 246 810 from abroad.
(1) HSBC Protection Avenir is an individual insurance policy that covers death or total and irreversible loss of autonomy following an accident, underwritten by HSBC France with AIG Europe S.A.
AIG Europe S.A. is an insurance undertaking with R.C.S. Luxembourg number B 218806. AIG Europe S.A. has its head office at 35D Avenue John F. Kennedy, L-1855, Luxembourg and has VAT registration number LU30100608, AIG Europe S.A. is authorised by the Luxembourg Ministere des Finances and supervised by the Commissariat aux Assurances 7, boulevard Joseph II, L-1840 Luxembourg, GD de Luxembourg,
Tel.: (+352) 22 69 11 - 1,,

AIG Europe S.A., French branch office has its registered branch office at Tour CB21 - 16 Place de l'Iris, 92400 Courbevoie - RCS Nanterre 838 136 463.


Products – Life Protection Insurance

Advice - Life Protection Insurance

Have a question?

0 810 246 810 (Service 0,09 € / appel + prix appel)
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