Important Information

• Financial strength
• Service provider and underwriters
• Policy dividend for participating products
• Historical premium increase rates of medical insurance products
• Customer feedback
• Personal Information Collection Statement

Standard & Poor's

HSBC Life (International) Limited is rated AA-

Standard & Poor's category description 'AA':

An insurer rated "AA" means very strong capacity to meet financial commitments.

Rating 'AA' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.

The life and medical insurance plans are underwritten by HSBC Life (International) Limited, Macau Branch ("the Company"). The Company is authorised and regulated by the Autoridade Monetária de Macau ("AMCM") of the Macau Special Administrative Region ("Macau SAR") to carry on long-term insurance business in the Macau SAR.

Address: 1/F, Edf. Comercial Si Toi, 619 Avenida da Praia Grande, Macau

Phone: (853) 2821 2323

HSBC Life (International) Limited (“HSBC Life”) is authorised and regulated by the Hong Kong Insurance Authority of the Hong Kong Special Administrative Region ("Hong Kong SAR") to carry on long-term insurance business in the Hong Kong SAR, with address at 18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong.

Policy dividend for Participating Products - applicable to HSBC Eminent Goal Multi-Currency Insurance Plan, HSBC Wealth Goal Insurance Plan II, HSBC Family Goal Insurance Plan and HSBC Health Goal Insurance Plan.

Establishing a risk-sharing mechanism

We have a clear interest in the performance of your participating policy as our participating business operates on the principle of sharing risks between you and ourselves to achieve a reasonable balance. We regularly review the Special Bonus levels payable to you. Both the past actual performance and management's expectation of the long-term future performance will be assessed against the assumed level. If variances arise, considerations will be undertaken regarding sharing these with you through Special Bonus adjustments.
Variances arising from the following are shared between you and ourselves, including, but not limited to:

• Investment return and expected future investment performance
• Insurance risks (e.g. lapses, surrenders and claims of different groups of policies)
• Operating expense (e.g. our underwriting and general overhead costs)

For on-shelf products - We aim to share such variances to participating policyholders and to us based on target sharing ratios of 90% and 10% respectively.

Otherwise, for products issued before year 2021 - We aim to share such variances to participating policyholders and to us based on target sharing ratios of 70% and 30% respectively.

Fulfillment Ratio - in respect of non-guaranteed benefits.

Total Payout Ratio - in respect of total benefits including guaranteed and non-guaranteed benefits.

HSBC Flexi Medical Insurance Plan

The above information is for reference only and please note that historical premium increase rates are not an indicator of future premium increase of the medical insurance products.

Getting back to you

We will acknowledge your message and aim to resolve most issues within five working days. Occasionally, we may need more time but we will keep you informed.

Handling your complaint

Your complaint will be dealt with in total confidence by employees with the appropriate experience and authority, and who are not directly involved in the issue.

If a complaint is raised by a third party, we will get back to you to protect your privacy.

We will offer appropriate redress if your complaint is upheld, but this will not necessarily involve.

Consumer Council

(Head Office) Av. Horta e Costa, N.º 26, Edf. Clementina A.L.Ho, 4.º Andar

(Northern District Branch) Rua Nova da Areia Preta, Nº52, Centro de Serviços da RAEM, 1º Andar, Zona M, Macau

Tel: (853) 8988 9315

Fax: (853) 2830 7816

Website: http://www.consumer.gov.mo