HSBC Life HappyMummy Review

The complete Pros and Cons on HSBC Life HappyMummy

HSBC Life HappyMummy is a two-plan bundle maternity plan consisting of HSBC Life EmpoweredMum prenatal plan and HSBC Life Flexi Protector or HSBC Life – Life Treasure II, offering focused protection for you and your newborn.

HSBC Life HappyMummy product details

  • Life policy – Whole Life Policy
  • Age of Entry
    • 18 to 45 years old
  • Receive 15% sum assured if the Life Assured has undergone a delivery at less than 36 weeks of gestation by caesarean section.
  • Stay protected from a comprehensive list of covered pregnancy complications, congenital illnesses and hospitalisation events.
  • Enjoy flexibility to transfer coverage of HSBC Life Flexi Protector or HSBC Life – Life Treasure II plan from Mother to newborn Child without underwriting, within 60 days from Child’s birth.
  • Free first year HSBC Life Shield Plan B for child when you apply within 60 days from child’s birth.

Read AboutWhole Life Policy: How does it work?

In-depth Review3 Best Whole Life Plans in Singapore for Insurance Coverages (2023 Edition)

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: No (Yes with rider)
Early Critical Illness: No (Yes with rider)

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders


Additional Features and Benefits


For further information and details, refer to HSBC Life website. Alternatively, fill up the form below and let us advise accordingly.

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HSBC Life HappyMummy may be suitable if you are looking for

HSBC Life HappyMummy may potentially be a good fit if the following matters to you:

  • Initial high protection for Death, Total and Permanent Disability, and Terminal Illness coverage at an affordable premium
  • Initial high Early Critical Illness, Critical Illness coverage with riders
  • Health and Protection coverage due to a shortfall in your Insurance Portfolio
  • Accidental death coverage up to 14x of Sum Assured with a rider

Read About: How much insurance coverage do you really need in Singapore *NEW*

In-depth Review: Term insurance vs Whole Life insurance – Which is better for you?

HSBC Life HappyMummy may not be suitable if you are looking for

HSBC Life HappyMummy may potentially be a bad fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Access to cash from your policy on a regular basis.
  • Insurance policy with a high surrender value in the early years of the policy.
  • Potentially higher financial returns compared to a pure investment product.

In-depth Review: 3 Best Endowment Savings Plans in Singapore with Lifetime Wealth Accumulation (2023 Edition)

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Further considerations on HSBC Life HappyMummy

  • How are the investment returns of HSBC Life or HSBC Life HappyMummy based on historical performance?
  • How good is HSBC Life HappyMummy compared to Whole Life Policy from other insurance companies?
  • Can HSBC Life HappyMummy fulfill my financial insurance, health, and protection needs?

The above information may not fully highlight all the product details and features on HSBC Life HappyMummy. Talk to us or seek advice from a financial adviser before making any decision about HSBC Life HappyMummy.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering taking up.

Read AboutWhere do I start with financial planning?

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Compare before you commit

Before committing to a whole life insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts will differ more than you think across insurance companies.

Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?

Even worst, to find out you can compare whole life insurance plans here,  100% free of charge on the platform.

INSTANT quotes for Whole Life Plans

Whole Life Plans

Matching your profile…

Let’s start by filtering out the best whole life plans based on your age and gender. Your gender and age will affect the base premium payable.

Your current age is closest to:

Your gender is:

Male Female

Whole Life Plans

Understanding your coverage needs…

You whole life plan can provide comprehensive coverage against all 37 major illness. Choose the level of protection you need for yourself and your family.

You require a critical illness (for late stage major illness) coverage of:

You require an early critical illness (for all stages of major illness) coverage of:


Whole Life Plans

Finding you the best whole life plans…

Your annual insurance premium will be lower if you choose to spread out your premium term over a longer period of time.

Your prefer to make payment (premium term) for this whole life plan over a period of:

INSTANT quotes for Whole Life Plans

Is HSBC Life HappyMummy suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

We compare quotations head to head on all leading insurers in Singapore

Personalised whole life plans

Pay for what you need in a whole life plan!

3 easy steps for your customised whole life insurance plan

Step 1: Getting to know you…

Let's start with a brief introduction of your personal profile. Please note that your current age and gender affects the insurance premium payable for your whole life plan.





Step 2: Understanding your coverage needs…

Please select the amount (sum assured) and type of lifetime coverage that is required for this plan:

You need a death coverage (base coverage) amount of?

Do you required critical illness coverage in the event of a major illness (optional)?


Step 3: Finding the best whole life plans for you! team of financial planners will compare and provide you with the best whole life insurance plans based on your inputs.



Please check your inbox for an e-mail of your financial planning needs. We will be in contact with you within 24 hours.

Personalise your whole life insurance plans


Before you go...
HSBC Life HappyMummy may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
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