HSBC Protection Avenir

Select the amount of capital you consider necessary to protect your family from three offers between €50,000 and €200,000.

In the event of accidental death, the lump sum will be paid to your designated beneficiaries⁽²⁾

In the event of a Total and Irreversible Loss of Autonomy following an accident and taking into account the material and financial consequences resulting from this state of disability, the capital is paid directly to you to enable you, for example, to carry out the renovation of your home, or pay for a living assistant.

Add an education annuity that will be paid each year to the children you have designated as beneficiaries (flat-rate amount from €2,500 to €10,000 per year depending on the capital chosen), up to the children's 25th birthday if they are students, otherwise until they reach 18 years old.

The beneficiaries designated in the general conditions are your spouse, failing which your children, whether born or to be born alive, failing which your legal successors.

This beneficiary clause can be modified and you can freely designate beneficiaries in the event of death and transfer capital to people even outside the family circle.

• no medical required when you subscribe to HSBC Protection Avenir
• the possibility to modify your contract

You can change the option to which you subscribe or your list of beneficiaries at any time.

The choice of the Education Annuity option is made at the time of subscription, the annual lump sum depends on the sum insured. You can add or delete a beneficiary child at any time.

There are a few exclusions:

• epilepsy attack, delirium tremens, aneurysm rupture, myocardial infarction, cerebral embolism or meningeal hemorrhage, cardiac arrest, stroke
• an accident caused or provoked by the Insured or the Beneficiary of the contract
• suicide or attempted suicide of the Insured
• an Accident occurring while the Insured is under the influence of narcotics or similar substances, drugs or treatments in doses not medically prescribed
• an Accident due to the Insured's drunk driving when their blood alcohol level is equal to or higher than the legal rate in force in the country or region where the Accident takes place
• consequences of a Civil War or Foreign War, riots, civil unrest, civil commotion, fighting (except in self-defence, acts of piracy, acts of terrorism, epidemics, pollution
• an Accident occurring during the practice of a sport in a professional capacity by the Insured
• any direct or indirect consequence or consequence, resulting from any contact with, or contamination by, so-called nuclear, chemical or biological substances, or any source of radioactivity

The amount of the contribution is fixed and determined according to the options you have chosen (amount of the chosen capital, education annuity option).

The contribution is paid monthly.

The contribution to the Education Annuity is defined according to the age of each designated child.

For any new subscription to HSBC Protection Avenir, you benefit from a free one-month contribution.

In the event of death, the capital received is exempt from inheritance tax if the beneficiary is your spouse.

In the event of a Total and Irreversible Loss of Autonomy, the paid-up capital is exempt from income tax.

To subscribe to this product go to your secure banking space and click on "subscribe online" and then "Insurance".

*Dial +33810246810 within France (service €0.09 per call + call price) and for service outside France (cost varies by operator).

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