This document outlines a 5-step process for purchasing HSBC Cancer Term Protector insurance in under 5 minutes online. The steps include: 1) obtaining an instant quote, 2) answering eligibility questions, 3) providing applicant and beneficiary details, 4) making a payment and declaration, and 5) receiving an acknowledgment. The process aims to provide a simple, quick end-to-end customer journey for purchasing cancer insurance coverage online.

1. Insurance Innovation Award 2018
HSBC Cancer Term Protector - 5-Minute End-to-End Customer Journey
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2. Step 1 : Instant Quote
Acknowledgement
Payment &
Declaration
Applicant Details
& Beneficiary
Eligibility
Questions
Quick Quote
5-Minute End-to-End Customer Journey
Pre-fill promo code if being
redirected from promo-code themed
banners and advertisement
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3. Step 2: Eligibility Questions
1
2
2.1
3
4
Acknowledgement
Payment &
Declaration
Applicant Details
& Beneficiary
Eligibility
Questions
Quick Quote
For thismedicalcondition,have you been advisedor requiredby a medicalpractitionerto undergomedical
treatmentor received medicationfor more than 14 consecutive daysin the past year?
Have you suffered from tumour, lump, nodule,polyp, cyst, OR in the last 5 years have you undergoneany
investigationsto screen cancer that showedabnormalresults?
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4. Step 3 : Applicant details & beneficiary
Option 1 - Own estate as beneficiary
Option 2 – Family members as beneficiary(ies)
Acknowledgement
Payment &
Declaration
Applicant Details
& Beneficiary
Eligibility
Questions
Quick
Quote
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5. Step 4 : Payment & Declaration _Payment Details (1/2)
Acknowledgement
Payment &
Declaration
Applicant Details
& Beneficiary
Eligibility
Questions
Quick
Quote
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6. Step 4 : Payment & Declaration _Declaration (2/2)
I, as Policy Applicant and payment account holder, confirm I am not acting for any other person, and I authorize The Hongkong
and Shanghai Banking Corporation Limited ("HSBC") to debit from my specified account from time to time for (i) the initial and
subsequent premiums due as instructed by HSBC Life (International) Limited (“HSBC Life” or "you") and/or (ii) any applicable
levy on behalf of the Insurance Authority.
I am in Hong Kong now.
All statements and information I have provided in this application are complete and true. I will immediately tell you to
correct them if the statements or information later become incomplete, untrue or inaccurate before you issue any policy.
You will approve or decline any future claims based on these statements and information.
I understand you will use the personal information I gave you in this application according to the Personal Information Collection
Statement and I must make any request to change my personal information in HSBC’s records through branches or internet
banking.
All personal information I have most recently provided to HSBC (such as ID documents, nationality, mobile number and
payment account correspondence address) is accurate and up to date. I consent to HSBC providing my personal information
to HSBC Life for evaluating and processing this application. I understand HSBC may request updated personal information
(such as ID documentation), and HSBC Life may not issue the policy if I do not give HSBC Life any such requested information
by a specified time.
I understand submitting this application does not guarantee its approval and you will only approve a policy after (i) you are
satisfied I meet your prevailing eligibility and underwriting requirements, and (ii) you have processed my first premium
payment and levy. If you do approve my application, my policy will be effective from the date I submitted a valid application.
I understand I have selected an insurance policy that will pay some or all of the Sum Insured in advance upon diagnosis of
Cancer or Early Stage Cancer / Carcinoma-in-situ, according to Policy Provisions. You will reduce the Death Benefit amount
payable by any such advance payments (and by any unpaid premiums).
Acknowledgement
Payment &
Declaration
Applicant Details
& Beneficiary
Eligibility
Questions
Quick
Quote
I have read, understood and agreed to be bound by:
- the Premium Illustration,
- the Policy Provisions,
- the Privacy and Security statement, and
- the Personal Information Collection Statement.
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7. Step 5 : Acknowledgement (1/2)
Acknowledgement
Payment &
Declaration
Applicant Details
& Beneficiary
Eligibility
Questions
Quick
Quote
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8. Step 5 : Acknowledgement (2/2) and Customer Survey
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• A customer survey will appear at the
same time when Acknowledgment
page is shown
Acknowledgement
Payment &
Declaration
Applicant Details
& Beneficiary
Eligibility
Questions
Quick Quote
• I, as Policy Applicant and payment account holder,confirmI am not acting for any other person, and I authorize The Hongkong and Shanghai Banking Corporation Limited
("HSBC") to debit from my specifiedaccount from time to time for (i) the initial and subsequent premiumsdue as instructed by HSBC Life (International) Limited(“HSBC Life”or
"you") and/or (ii) any applicablelevy on behalf of the Insurance Authority.
• I am in Hong Kong now.
• I understand you will use the personal informationI gave you in this application according to the Personal Information Collection Statement and I must make any request to
change my personal informationin HSBC’s records through branches or internet banking.
• All statements and informationI have providedhere are completeand true. I will immediatelytell you to correct them if the statements or informationlater becomeincomplete,
untrue or inaccuratebefore you issue any policy. You will approveor declineany future claimsbased on these statements and information.
• All personal information I have most recently provided to HSBC (such as ID documents, nationality,mobilenumber and payment account mailing address) is accurate and up to
date. I consent to HSBC providing my personal information to you for evaluating and processing this application. I understand HSBC may request updated personal
information(such as ID documentation),and you may not issue the policy if I do not give you any such requested information by a specifiedtime.
• I understand submitting this application does not guarantee its approval and you will only approve a policy after (i) you are satisfiedI meet your prevailingeligibility and
underwriting requirements, and(ii) HSBC has processedmy first premiumpayment and levy.If you do approvemy application,my policy will be effective fromthe date I
submitted this application.
• I understand I have selected an insurancepolicy that will pay some or all of the Sum Insured in advance upon diagnosisof Major Cancer or Early Stage Cancer / Carcinoma-in-situ,
according to Policy Provisions. Youwill reduce the Death Benefit by any such advance payments (and by any unpaid premiums).
• I have read, understood and agree to be bound by:
- the PremiumIllustration,
- the Policy Provisions,
- the Privacy and Security statement, and
- the Personal Information Collection Statement.
I DECLARE and AGREE to the above statements.
I understand the product features of the Plan and know that you will not pay any benefit under certain circumstances (suchas pre-existing conditions,drug intoxication,abuse of
alcohol and presenceof HIV) or when the diagnosis does not fall within certain organ groups or certain classification.
I confirmthat my objectives of buying this product are for financialprotection against adversitiesin case of death and/or unexpected health care needs caused by Cancer and I
understand that this product does not meet any saving or investment objectives.
I confirmmy monthly disposableincome is at least HK$281.40 and I can afford this policy's monthly premiums,which you guarantee not to change for 10 years.
I confirmI did not replacein the last 12 months and do not intend to replacein the next 12 months an existing lifeinsurancepolicy(ies).I realizeif I confirmit is not a policy
replacementbut indeed it is a policy replacement,I may jeopardizemy future right of redress if I find later I have been disadvantageddue to such replacement.

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References:
1. Overview of Hong Kong Cancer Statistics of 2014, Hong Kong Cancer
Registry, Hospital Authority
2. 2016 Global Medical Trends Survey, Willis Towers Watson
3. For Death Benefit, the payment is subject to deduction of any outstanding
premiums and any benefits you have already received for Early Stage Cancer or
Carcinoma-in-situ (CIS) under this Plan. For Cancer Benefit, the payment is
subject to payment of any outstanding premium and deduction of benefits you
have already received for Early Stage Cancer or CIS under this Plan
4. The Hong Kong Insurance Consumer Expectations and Experiences by
Product and Channel (Limra/Swissre, 2014)
5. HSBC Insurance targets a third of new policies sold from online sales by end of
next year, South China Morning Post, 27 March 2018
(http://www.scmp.com/business/companies/article/2138977/hsbc-insurance-
targets-third-new-premium-income-online-sales-end)

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