HSBC Life Malta has confirmed that it paid out more than 95% of assessed claims in 2025, marking the fourth consecutive year in which the insurer has maintained that level of performance.

The figure reflects the proportion of claims settled following assessment and underlines the company’s emphasis on consistency in claims handling — a metric often viewed as central to trust in life insurance products.

According to HSBC Life Malta, the 2025 outcome builds on a multi-year track record rather than representing a one-off result. The insurer said the sustained payout rate reflects an approach to claims management centred on fairness, clarity and efficiency at what are often challenging moments for policyholders and their families.

Gregory Inglott, Chief Executive Officer of HSBC Life Malta, described 2025 as a strong year for the business, noting continued trust from existing customers alongside new policy uptake. He said the company remains focused on translating that trust into reliable support at claim stage.

The 2025 claims experience covered a range of protection products, including the Loan Protector Plan and the Personal Protector Plan, both designed to provide financial support in the event of death or critical illness. The insurer also processed claims under its Group Life Plan, which provides employer-sponsored cover aimed at supporting employees and their families.

Josef Camilleri, Head of Products & Distribution, said that claims outcomes ultimately determine the value of life insurance to customers. He noted that while policies are taken out as precautionary measures, their relevance becomes tangible only when a claim is made and settled.

HSBC Life Malta said that maintaining a strong claims record remains central to its positioning within the Maltese insurance market. Beyond product design and distribution, the company emphasised the importance of dependable claims handling as a key indicator of long-term credibility.