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【滙豐保險雙重保障 Level Up | 延期年金+自願醫保】 滙豐保險為你帶來雙重保障方案：延期年金計劃 + 自願醫保計劃，助你輕鬆規劃退休生活，守護家人健康。 延期年金： ・📈 穩定收入至99歲* ・💵 靈活提取年金+ 自願醫保： ・🆗 出院免找數^ ・🌍 保障覆蓋全球** 投保可享： ✅ 扣稅額高達港幣68,000元⁺⁺ 💰 首年保費折扣優惠^^ (保費折扣金額不可享有稅務減免) 趁早投保，為未來加多重保障！即刻去滙豐分行或致電2233 3130搵保險顧問傾吓，詳情可以上網了解更多：https://grp.hsbc/26TAXCOMBO_launch_FBTC #滙豐保險 #延期年金 #自願醫保 #自製長糧 #退休規劃 *年齡是指受保人或保單持有人（視乎適用情況而定）的下一次生日年齡。此乃「滙豐盈達延期年金計劃」之特點。 ⁺受條款及細則約束。 ^出院免找數服務需獲得預先批核。滙豐保險將保留預先批核申請或免找數批核之最終決定權。 **此乃「滙豐自願醫保靈活計劃」之「鑽級」計劃之特點。 ⁺⁺每位納稅人可就其合資格延期年金及自願醫保保費申請稅務扣減，合資格延期年金的每個課稅年度最高限額為港幣60,000元，該稅務扣除額的上限是合資格延期年金保費及強積金可扣稅自願性供款合計可享的最高扣除總額。如納稅人或其配偶是自願醫保計劃認可產品的保單持有人，每個課稅年度可就每名受保人所繳付的保費申請稅額扣減，上限為每名受保人港幣8,000元。兩項保費均不包括保費徵費。實際可扣除及/或節省的金額取決於個人情況，可能與所示金額不同。有關詳情，請瀏覽稅務局網站（www.ird.gov.hk）。 ^^保費折扣金額不可享有稅務減免。保費折扣適用於首年保費及指定計劃。受條款及細則約束。 滙豐保險之合資格延期年金計劃是一份具備儲蓄及分紅成分的人壽保險計劃，由香港保險業監管局認證為合資格延期年金保單，然而，並不意味著官方推介，亦不保證保單持有人能就此計劃繳付之保費合資格申請扣稅，若早期退保，可收回的款額或會明顯少於已繳付的總保費。而滙豐保險自願醫保計劃是獲醫務衞生局認可的個人償款住院保險產品。兩者都並非銀行存款或銀行儲蓄計劃，只在香港特別行政區銷售，均由滙豐人壽保險（國際）有限公司，註冊成立於百慕達之有限責任公司（「滙豐保險」）承保，並受其信貸風險所影響。詳情請參閱產品冊子及保單條款。一般稅務資訊只供參考，您不應單憑此資訊作任何稅務決策。如您有任何疑問，請諮詢專業稅務顧問。所有稅務條款、法規及／或其詮釋均可能被修改，而影響有關的稅務優惠包括稅務扣除資格。滙豐保險沒有責任通知您相關法律、法規及／或其詮釋的修改，及其可能對您產生的影響。 本資訊旨在提供予香港特別行政區境內人士。 由滙豐人壽保險（國際）有限公司（註冊成立於百慕達之有限責任公司）刊發。 【Level up with HSBC Life’s double coverage | QDAP + VHIS】 HSBC Life brings you a double coverage solution: Qualifying Deferred Annuity Policy (QDAP) + Voluntary Health Insurance Scheme (VHIS) plans, helping you plan your retirement with ease while safeguarding the health of your family. Why QDAP? ・📈 Steady income stream up to age 99* ・💵 Flexible annuity withdrawals+ Why VHIS? ・🆗 No upfront hospital payment^ ・🌍 Worldwide coverage** Enjoy exclusive benefits: ✅ Tax deductions of up to HKD 68,000++ 💰 First-year premium discount^^ (Premium discounts are not tax deductible) Apply early for a more secure future! Visit any of our HSBC branches or call 2233 3130 to speak to our Insurance Specialists today. For more details, please visit: https://grp.hsbc/26TAXCOMBO_launch_FBEN #HSBCLife #QDAP #VHIS *The age refers to the age the insured person or policyholder, whichever is applicable, will be on their next birthday. This is a feature of HSBC EarlyIncome Deferred Annuity Plan. ⁺Terms and conditions apply. ^Pre-authorisation is required for cashless arrangements. The final decision for any pre-authorisation application or direct billing approval is subject to the discretion of HSBC Life. **This is a feature of HSBC VHIS Flexi Plan (Diamond Plan). ⁺⁺Each taxpayer is allowed to claim a tax deduction for his or her qualifying deferred annuity premiums up to a maximum limit of HKD60,000 per tax assessment year, which is an aggregate of qualifying deferred annuity premiums and Mandatory Provident Fund (MPF) tax-deductible voluntary contributions. In addition, each taxpayer who or whose spouse is the policyholder of a policy issued under a certified plan of Voluntary Health Insurance Scheme (VHIS) may claim tax deductions for the premiums paid up to HKD8,000 per insured person per tax assessment year (not including levy on both premiums). The actual amount of tax deductible and/or saving depends on the personal circumstances and may be different from the amount illustrated. For details, please visit the website of the Inland Revenue Department (www.ird.gov.hk). ^^Premium discounts are not tax deductible applicable to selected insurance plan. Terms and conditions apply. HSBC Life’s qualifying deferred annuity policy is a long-term participating life insurance policy with savings element, which is certified by Insurance Authority (“IA”). Nonetheless, certification by IA does not imply official recommendation or guarantee you will be eligible for a tax deduction on the premium paid for the policy. If you surrender your policy in the early years, you may receive an amount significantly less than the premiums paid. HSBC VHIS Flexi Plan is a standalone indemnity hospital insurance plan which is certified by the Health Bureau. The two plans are not any kind of bank deposit or bank savings plan. Both are intended for persons in the Hong Kong SAR and only for sale in the Hong Kong SAR. Underwritten by HSBC Life (International) Limited (“HSBC Life”), which is incorporated in Bermuda with limited liability. Policyholders are subject to the credit risk of HSBC Life. Please refer to the product brochure for more details. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. You should always consult with a professional tax advisor if you have any questions or doubts. The tax law, regulations and/or interpretations are subject to change and may affect any related tax benefits including the eligibility criteria for a tax deduction. HSBC Life is not responsible for informing you about any changes in laws, regulations or interpretations, and how they may affect you. The information is intended for persons in HKSAR only. Issued by HSBC Life (International) Limited (Incorporated in Bermuda with limited liability).