「旅遊綜合保障計劃」單次旅程保障推廣優惠之條款及細則：

1. 「旅遊綜合保障計劃」單次旅程保障推廣優惠包括保費折扣優惠（「推廣優惠」）。
2. 推廣優惠之推廣期為2026年1月1日至2026年3月31日（包括首尾兩天）（「推廣期」）。
3. 本推廣優惠只適用於任何現在及╱或由相關申請日期計過去3個月內未曾以保單持有人身份持有、續保或取消由恒生銀行有限公司（「恒生銀行」）分銷的「旅遊綜合保障計劃」單次旅程保障（「指定計劃」）之恒生銀行個人客戶（「指定客戶」）。
4. 安達保險香港有限公司（「安達保險」）有獨有絕對酌情決定權根據保單持有人及／或受保人於投保時所提供之資料而決定是否接受有關投保申請。
5. 同一保障計劃經不同投保方法可享的推廣優惠或有不同，恒生銀行及安達保險保留修訂或取消有關推廣優惠之條款及細則之權利，恕不另行通知指定客戶。如有任何爭議，恒生銀行及安達保險保留最終決定的權利。
6. 本推廣優惠不適用於任何恒生銀行及其附屬公司之職員，或任何有資格享有恒生銀行職員優惠之人士。
7. 除另有註明外，本推廣優惠不可與其他推廣優惠同時使用。
8. 除指定客戶、恒生銀行（包括其繼承人及受讓人）及安達保險（包括其繼承人及受讓人）以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。
9. 本條款及細則受香港特別行政區（「香港」）法律所管轄，並按照香港法律詮釋。
10. 本條款及細則受現行監管規定約束。



有關保費折扣優惠之條款及細則：

11. 受本條款及細則所限，指定客戶凡於推廣期內經恒生銀行網頁、恒生銀行個人流動理財服務應用程式或恒生銀行個人e-Banking的指定連結於安達保險網頁成功投保指定計劃，該指定計劃可享保費首年75折優惠（「保費折扣優惠」）。
12. 若指定客戶取消已成功投保的指定計劃，保費將不會獲退回。

「旅遊綜合保障計劃」全年環球保障（「全年環球保障」）特選客戶推廣優惠之條款及細則：

1. 「旅遊綜合保障計劃」全年環球保障特選客戶推廣優惠包括保費折扣優惠和港幣400元電子購物禮券優惠（「推廣優惠」）。
2. 推廣優惠之推廣期為2026年1月1日至2026年3月31日（包括首尾兩天）（「推廣期」）。
3. 本推廣優惠只適用於任何現在及╱或由相關申請日期計過去3個月內未曾以保單持有人身份持有、續保或取消由恒生銀行有限公司（「恒生銀行」）分銷的「旅遊綜合保障計劃」全年環球保障（「指定計劃」）之恒生銀行個人特選客戶（「特選客戶」）。
4. 安達保險香港有限公司（「安達保險」）有獨有絕對酌情決定權根據保單持有人及／或受保人於投保時所提供之資料而決定是否接受有關投保申請。
5. 同一保障計劃經不同投保方法可享的推廣優惠或有不同，恒生銀行及安達保險保留修訂或取消有關推廣優惠之條款及細則之權利，恕不另行通知特選客戶。如有任何爭議，恒生銀行及安達保險保留最終決定的權利。
6. 本推廣優惠不適用於任何恒生銀行及其附屬公司之職員，或任何有資格享有恒生銀行職員優惠之人士。
7. 除另有註明外，本推廣優惠可同時使用，但不可與其他推廣優惠同時使用。
8. 除特選客戶、恒生銀行（包括其繼承人及受讓人）及安達保險（包括其繼承人及受讓人）以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。
9. 本條款及細則受香港特別行政區（「香港」）法律所管轄，並按照香港法律詮釋。
10. 本條款及細則受現行監管規定約束。



有關保費折扣優惠之條款及細則：

11. 受本條款及細則所限，特選客戶凡於推廣期內經恒生銀行網頁、恒生銀行個人流動理財服務應用程式或恒生銀行個人e-Banking的指定連結於安達保險網頁成功投保指定計劃，該指定計劃可享保費首年7折優惠（「保費折扣優惠」）（只適用於以年繳保費方式之指定計劃）。
12. 若特選客戶取消已成功投保的指定保單，安達保險將根據指定保單之條款的取消部份，按短期保險費率徵收已生效期內之保費。



有關港幣400元電子購物禮券優惠之條款及細則：

13. 受本條款及細則所限，特選客戶凡滿足以下所有要求，可獲港幣400元指定超市之電子購物禮券（「電子購物禮券」）：
    • 於推廣期內經以下方式成功投保指定計劃：
      1. 以保單持有人身份；及
      2. 經恒生銀行網頁、恒生個人流動理財服務應用程式或恒生個人e-Banking的指定連結於安達保險網頁投保；
    • 於投保時成功輸入下列資料：
      1. 由恒生銀行或安達保險可能在推廣期期間發出的優惠碼；及
      2. 有效電郵地址；及
    • 以年繳方式繳付指定計劃保費。
14. 安達保險將於保單簽發後3個月內將電子購物禮券電郵至上述電郵地址。而該保單必須於電子購物禮券發出時仍然生效及已清繳保費，特選客戶方可獲贈禮券。如欲查詢，請致電安達保險之客戶服務熱線（+852） 3191 6668（星期一至五，上午9時至下午5時30分； 星期六、日及公眾假期休息）。
15. 特選客戶須確保上述電郵地址為最新及準確無誤。若因特選客戶的電郵地址不正確或電郵未能成功發出以致未能收到電子購物禮券，恒生銀行及安達保險將不再另外補發電子購物禮券，而該名特選客戶將視作放棄電子購物禮券（因恒生銀行及/或安達保險之失誤除外）。
16. 電子購物禮券不可轉換、不可兌換及不可更改。電子購物禮券如有遺失或到期後未使用，概不補發。
17. 電子購物禮券數量有限，送完即止。
18. 恒生銀行及安達保險保留隨時及不時以其他禮品取代電子購物禮券之權利而無須另行通知，而該禮品之價值及種類可能與電子購物禮券不相同。如有爭議，恒生銀行及安達保險保留最終決定的權利。
19. 恒生銀行及安達保險並非電子購物禮券之供應商，故不會承擔與電子購物禮券有關之任何責任。一切與電子購物禮券及其相關之產品及服務之質素及供應情況，概由電子購物禮券之供應商負責。一切有關電子購物禮券之爭議或投訴，均應由客戶與電子購物禮券之供應商自行解決。有關電子購物禮券之使用詳情，請參閱供應商電子購物禮券之條款及細則。
20. 若保單在首個保單年度內取消，恒生銀行保留從客戶之任何恒生銀行信用卡或銀行賬戶內扣除相等於已獲贈電子購物禮券之價值的金額的權利，而不會作任何事先通知。

「旅遊綜合保障計劃」全年中國保障（「全年中國保障」）特選客戶推廣優惠之條款及細則：

1. 「旅遊綜合保障計劃」全年中國保障特選客戶推廣優惠包括保費折扣優惠和港幣200元電子購物禮券優惠（「推廣優惠」）。
2. 推廣優惠之推廣期為2026年1月1日至2026年3月31日（包括首尾兩天）（「推廣期」）。
3. 本推廣優惠只適用於任何現在及╱或由相關申請日期計過去3個月內未曾以保單持有人身份持有、續保或取消由恒生銀行有限公司（「恒生銀行」）分銷的「旅遊綜合保障計劃」全年中國保障（「指定計劃」）之恒生銀行個人特選客戶（「特選客戶」）。
4. 安達保險香港有限公司（「安達保險」）有獨有絕對酌情決定權根據保單持有人及／或受保人於投保時所提供之資料而決定是否接受有關投保申請。
5. 同一保障計劃經不同投保方法可享的推廣優惠或有不同，恒生銀行及安達保險保留修訂或取消有關推廣優惠之條款及細則之權利，恕不另行通知特選客戶。如有任何爭議，恒生銀行及安達保險保留最終決定的權利。
6. 本推廣優惠不適用於任何恒生銀行及其附屬公司之職員，或任何有資格享有恒生銀行職員優惠之人士。
7. 除另有註明外，本推廣優惠可同時使用，但不可與其他推廣優惠同時使用。
8. 除特選客戶、恒生銀行（包括其繼承人及受讓人）及安達保險（包括其繼承人及受讓人）以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。
9. 本條款及細則受香港特別行政區（「香港」）法律所管轄，並按照香港法律詮釋。
10. 本條款及細則受現行監管規定約束。



有關保費折扣優惠之條款及細則：

11. 受本條款及細則所限，特選客戶凡於推廣期內經恒生銀行網頁、恒生銀行個人流動理財服務應用程式或恒生銀行個人e-Banking的指定連結於安達保險網頁成功投保指定計劃，該指定計劃可享保費首年8折優惠（「保費折扣優惠」）（只適用於以年繳保費方式之指定計劃）。
12. 若特選客戶取消已成功投保的指定保單，安達保險將根據指定保單之條款的取消部份，按短期保險費率徵收已生效期內之保費。



有關港幣200元電子購物禮券優惠之條款及細則：

13. 受本條款及細則所限，特選客戶凡滿足以下所有要求，可獲港幣200元超市電子購物禮券（「電子購物禮券」）：
    • 於推廣期內經以下方式成功投保指定計劃：
      1. 以保單持有人身份；及
      2. 經恒生銀行網頁、恒生個人流動理財服務應用程式或恒生個人e-Banking的指定連結於安達保險網頁投保；
    • 於投保時成功輸入下列資料：
      1. 由恒生銀行或安達保險可能在推廣期期間發出的優惠碼；及
      2. 有效電郵地址；及
    • 以年繳方式繳付指定計劃保費。
14. 安達保險將於保單簽發後3個月內將電子購物禮券電郵至上述電郵地址。而該保單必須於電子購物禮券發出時仍然生效及已清繳保費，特選客戶方可獲贈禮券。如欲查詢，請致電安達保險之客戶服務熱線（+852） 3191 6668（星期一至五，上午9時至下午5時30分； 星期六、日及公眾假期休息）。
15. 特選客戶須確保上述電郵地址為最新及準確無誤。若因特選客戶的電郵地址不正確或電郵未能成功發出以致未能收到電子購物禮券，恒生銀行及安達保險將不再另外補發電子購物禮券，而該名特選客戶將視作放棄電子購物禮券（因恒生銀行及/或安達保險之失誤除外）。
16. 電子購物禮券不可轉換、不可兌換及不可更改。電子購物禮券如有遺失或到期後未使用，概不補發。
17. 電子購物禮券數量有限，送完即止。
18. 恒生銀行及安達保險保留隨時及不時以其他禮品取代電子購物禮券之權利而無須另行通知，而該禮品之價值及種類可能與電子購物禮券不相同。如有爭議，恒生銀行及安達保險保留最終決定的權利。
19. 恒生銀行及安達保險並非電子購物禮券之供應商，故不會承擔與電子購物禮券有關之任何責任。一切與電子購物禮券及其相關之產品及服務之質素及供應情況，概由電子購物禮券之供應商負責。一切有關電子購物禮券之爭議或投訴，均應由客戶與電子購物禮券之供應商自行解決。有關電子購物禮券之使用詳情，請參閱供應商電子購物禮券之條款及細則。
20. 若保單在首個保單年度內取消，恒生銀行保留從客戶之任何恒生銀行信用卡或銀行賬戶內扣除相等於已獲贈電子購物禮券之價值的金額的權利，而不會作任何事先通知。

「家安心家居保障計劃」特選客戶推廣優惠之條款及細則：

1. 「家安心家居保障計劃」特選客戶推廣優惠包括保費折扣優惠和港幣400元電子購物禮券優惠（「推廣優惠」）。
2. 推廣優惠之推廣期為2026年1月1日至2026年3月31日（包括首尾兩天）（「推廣期」）。
3. 本推廣優惠只適用於任何現在及╱或由相關申請日期計過去3個月內未曾以保單持有人身份持有、續保或取消由恒生銀行有限公司（「恒生銀行」）分銷的「家安心家居保障計劃」（「指定計劃」）之恒生銀行個人特選客戶（「特選客戶」）。
4. 安達保險香港有限公司（「安達保險」）有獨有絕對酌情決定權根據保單持有人及／或受保人於投保時所提供之資料而決定是否接受有關投保申請。
5. 同一保障計劃經不同投保方法可享的推廣優惠或有不同，恒生銀行及安達保險保留修訂或取消有關推廣優惠之條款及細則之權利，恕不另行通知特選客戶。如有任何爭議，恒生銀行及安達保險保留最終決定的權利。
6. 本推廣優惠不適用於任何恒生銀行及其附屬公司之職員，或任何有資格享有恒生銀行職員優惠之人士。
7. 除另有註明外，本推廣優惠可同時使用，但不可與其他推廣優惠同時使用。
8. 除特選客戶、恒生銀行（包括其繼承人及受讓人）及安達保險（包括其繼承人及受讓人）以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。
9. 本條款及細則受香港特別行政區（「香港」）法律所管轄，並按照香港法律詮釋。
10. 本條款及細則受現行監管規定約束。



有關保費折扣優惠之條款及細則：

11. 受本條款及細則所限，特選客戶凡於推廣期內經恒生銀行網頁、恒生銀行個人流動理財服務應用程式或恒生銀行個人e-Banking的指定連結於安達保險網頁成功投保指定計劃，該指定計劃可享保費首年8折優惠（「保費折扣優惠」）（適用於以年繳及月繳保費方式之指定計劃）。



有關港幣400元電子購物禮券優惠之條款及細則：

12. 受本條款及細則所限，特選客戶凡滿足以下所有要求，可獲港幣400元超市電子購物禮券（「港幣400元電子購物禮券優惠」）：
    1. 於推廣期內經以下方式成功投保指定計劃：
       1. 以保單持有人身份；及
       2. 經恒生銀行網頁、恒生個人流動理財服務應用程式或恒生個人e-Banking的指定連結於安達保險網頁投保；
    2. 於投保時成功輸入下列資料：
       1. 由恒生銀行或安達保險可能在推廣期期間發出的優惠碼；及
       2. 有效電郵地址；及
    3. 以年繳或月繳方式繳付指定計劃保費（月繳保費方式須連續繳交滿7個月保費）。
13. 以年繳方式繳付保費的保單，安達保險將於保單簽發後3個月內將電子購物禮券電郵至上述電郵地址；以月繳方式繳付保費的保單，安達保險將於客戶連續繳交7個月保費後的3個月內將電子購物禮券電郵至上述電郵地址。該保單必須於電子購物禮券發出時仍然生效及已清繳保費，特選客戶方可獲贈電子購物禮券。如欲查詢，請致電安達保險之客戶服務熱線 (+852) 3191 6668（星期一至五，上午9時至下午5時30分；星期六、日及公眾假期休息）。
14. 特選客戶須確保上述電郵地址為最新及準確無誤。若因特選客戶的電郵地址不正確或電郵未能成功發出以致未能收到電子購物禮券，恒生銀行及安達保險將不再另外補發電子購物禮券，而該名特選客戶將視作放棄電子購物禮券（因恒生銀行及／或安達保險之失誤除外）。
15. 電子購物禮券不可轉換、不可兌換及不可更改。電子購物禮券如有遺失或到期後未使用，概不補發。
16. 電子購物禮券數量有限，送完即止。
17. 恒生銀行及安達保險保留隨時及不時以其他禮品取代電子購物禮券之權利而無須另行通知，而該禮品之價值及種類可能與電子購物禮券不相同。如有爭議，恒生銀行及安達保險保留最終決定的權利。
18. 恒生銀行及安達保險並非電子購物禮券之供應商，故不會承擔與電子購物禮券有關之任何責任。一切與電子購物禮券及其相關之產品及服務之質素及供應情況，概由電子購物禮券之供應商負責。一切有關電子購物禮券之爭議或投訴，均應由客戶與電子購物禮券之供應商自行解決。有關電子購物禮券之使用詳情，請參閱供應商電子購物禮券之條款及細則。
19. 若保單在首個保單年度內取消，恒生銀行保留從客戶之任何恒生銀行信用卡或銀行賬戶內扣除相等於已獲贈電子購物禮券之價值的金額的權利，而不會作任何事先通知。

「個人意外保障計劃」特選客戶推廣優惠之條款及細則：

1. 「個人意外保障計劃」特選客戶推廣優惠包括保費折扣優惠和港幣150元電子購物禮券優惠（「推廣優惠」）。
2. 推廣優惠之推廣期為2026年1月1日至2026年3月31日（包括首尾兩天）（「推廣期」）。
3. 本推廣優惠只適用於任何現在及╱或由相關申請日期計過去3個月內未曾以保單持有人身份持有、續保或取消由恒生銀行有限公司（「恒生銀行」）分銷的「個人意外保障計劃」（「指定計劃」）之恒生銀行個人特選客戶（「特選客戶」）。
4. 安達保險香港有限公司（「安達保險」）有獨有絕對酌情決定權根據保單持有人及／或受保人於投保時所提供之資料而決定是否接受有關投保申請。
5. 同一保障計劃經不同投保方法可享的推廣優惠或有不同，恒生銀行及安達保險保留修訂或取消有關推廣優惠之條款及細則之權利，恕不另行通知特選客戶。如有任何爭議，恒生銀行及安達保險保留最終決定的權利。
6. 本推廣優惠不適用於任何恒生銀行及其附屬公司之職員，或任何有資格享有恒生銀行職員優惠之人士。
7. 除另有註明外，本推廣優惠可同時使用，但不可與其他推廣優惠同時使用。
8. 除特選客戶、恒生銀行（包括其繼承人及受讓人）及安達保險（包括其繼承人及受讓人）以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。
9. 本條款及細則受香港特別行政區（「香港」）法律所管轄，並按照香港法律詮釋。
10. 本條款及細則受現行監管規定約束。



有關保費折扣優惠之條款及細則：

11. 受本條款及細則所限，特選客戶凡於推廣期內經恒生銀行網頁、恒生銀行個人流動理財服務應用程式或恒生銀行個人e-Banking的指定連結於安達保險網頁成功投保指定計劃，該指定計劃可享以下其中一項保費首年折扣優惠（「保費折扣優惠」）（適用於以年繳及月繳保費方式之指定計劃）：
    1. 就以月繳保費方式之指定計劃： 首年9折保費折扣。
    2. 就以年繳保費方式之指定計劃： 首年85折保費折扣。



有關港幣150元電子購物禮券優惠之條款及細則：

12. 受本條款及細則所限，特選客戶凡滿足以下所有要求，可獲港幣150元超市電子購物禮券（「港幣150元電子購物禮券優惠」）：
    1. 於推廣期內經以下方式成功投保指定計劃：
       1. 以保單持有人身份；及
       2. 經恒生銀行網頁、恒生個人流動理財服務應用程式或恒生個人e-Banking的指定連結於安達保險網頁投保；
    2. 於投保時成功輸入下列資料：
       1. 由恒生銀行或安達保險可能在推廣期期間發出的優惠碼；及
       2. 有效電郵地址；及
    3. 以年繳或月繳方式繳付指定計劃保費（月繳保費方式須連續繳交滿7個月保費）。
13. 以年繳方式繳付保費的保單，安達保險將於保單簽發後3個月內將電子購物禮券電郵至上述電郵地址；以月繳方式繳付保費的保單，安達保險將於客戶連續繳交7個月保費後的3個月內將電子購物禮券電郵至上述電郵地址。該保單必須於電子購物禮券發出時仍然生效及已清繳保費，特選客戶方可獲贈電子購物禮券。如欲查詢，請致電安達保險之客戶服務熱線 (+852) 3191 6668（星期一至五，上午9時至下午5時30分；星期六、日及公眾假期休息）。
14. 特選客戶須確保上述電郵地址為最新及準確無誤。若因特選客戶的電郵地址不正確或電郵未能成功發出以致未能收到電子購物禮券，恒生銀行及安達保險將不再另外補發電子購物禮券，而該名特選客戶將視作放棄電子購物禮券（因恒生銀行及／或安達保險之失誤除外）。
15. 電子購物禮券不可轉換、不可兌換及不可更改。電子購物禮券如有遺失或到期後未使用，概不補發。
16. 電子購物禮券數量有限，送完即止。
17. 恒生銀行及安達保險保留隨時及不時以其他禮品取代電子購物禮券之權利而無須另行通知，而該禮品之價值及種類可能與電子購物禮券不相同。如有爭議，恒生銀行及安達保險保留最終決定的權利。
18. 恒生銀行及安達保險並非電子購物禮券之供應商，故不會承擔與電子購物禮券有關之任何責任。一切與電子購物禮券及其相關之產品及服務之質素及供應情況，概由電子購物禮券之供應商負責。一切有關電子購物禮券之爭議或投訴，均應由客戶與電子購物禮券之供應商自行解決。有關電子購物禮券之使用詳情，請參閱供應商電子購物禮券之條款及細則。
19. 若保單在首個保單年度內取消，恒生銀行保留從客戶之任何恒生銀行信用卡或銀行賬戶內扣除相等於已獲贈電子購物禮券之價值的金額的權利，而不會作任何事先通知。

「家庭僱傭保障計劃」特選客戶推廣優惠之條款及細則：

1. 「家庭僱傭保障計劃」特選客戶推廣優惠包括保費折扣優惠和港幣50元電子購物禮券優惠（「推廣優惠」）。
2. 推廣優惠之推廣期為2026年1月1日至2026年3月31日（包括首尾兩天）（「推廣期」）。
3. 本推廣優惠只適用於任何現在及╱或由相關申請日期計過去3個月內未曾以保單持有人身份持有、續保或取消由恒生銀行有限公司（「恒生銀行」）分銷的「家庭僱傭保障計劃」（「指定計劃」）之恒生銀行個人特選客戶（「特選客戶」）。
4. 安達保險香港有限公司（「安達保險」）有獨有絕對酌情決定權根據保單持有人及／或受保人於投保時所提供之資料而決定是否接受有關投保申請。
5. 同一保障計劃經不同投保方法可享的推廣優惠或有不同，恒生銀行及安達保險保留修訂或取消有關推廣優惠之條款及細則之權利，恕不另行通知特選客戶。如有任何爭議，恒生銀行及安達保險保留最終決定的權利。
6. 本推廣優惠不適用於任何恒生銀行及其附屬公司之職員，或任何有資格享有恒生銀行職員優惠之人士。
7. 除另有註明外，本推廣優惠可同時使用，但不可與其他推廣優惠同時使用。
8. 除特選客戶、恒生銀行（包括其繼承人及受讓人）及安達保險（包括其繼承人及受讓人）以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。
9. 本條款及細則受香港特別行政區（「香港」）法律所管轄，並按照香港法律詮釋。
10. 本條款及細則受現行監管規定約束。



有關保費折扣優惠之條款及細則：

11. 受本條款及細則所限，特選客戶凡於推廣期內經恒生銀行網頁、恒生銀行個人流動理財服務應用程式或恒生銀行個人e-Banking的指定連結於安達保險網頁成功投保指定計劃，該指定計劃可享保費首年85折優惠（「保費折扣優惠」）（適用於以年繳及月繳保費方式之指定計劃）。



有關港幣50元電子購物禮券優惠之條款及細則：

12. 受本條款及細則所限，特選客戶凡滿足以下所有要求，可獲港幣50元超市電子購物禮券（「港幣50元電子購物禮券優惠」）：
    1. 於推廣期內經以下方式成功投保指定計劃：
       1. 以保單持有人身份；及
       2. 經恒生銀行網頁、恒生個人流動理財服務應用程式或恒生個人e-Banking的指定連結於安達保險網頁投保；
    2. 於投保時成功輸入下列資料：
       1. 由恒生銀行或安達保險可能在推廣期期間發出的優惠碼；及
       2. 有效電郵地址；及
    3. 以年繳方式繳付指定計劃保費。
13. 安達保險將於保單簽發後3個月內將電子購物禮券電郵至上述電郵地址。該保單必須於電子購物禮券發出時仍然生效及已清繳保費，特選客戶方可獲贈電子購物禮券。如欲查詢，請致電安達保險之客戶服務熱線 (+852) 3191 6668（星期一至五，上午9時至下午5時30分；星期六、日及公眾假期休息）。
14. 特選客戶須確保上述電郵地址為最新及準確無誤。若因特選客戶的電郵地址不正確或電郵未能成功發出以致未能收到電子購物禮券，恒生銀行及安達保險將不再另外補發電子購物禮券，而該名特選客戶將視作放棄電子購物禮券（因恒生銀行及／或安達保險之失誤除外）。
15. 電子購物禮券不可轉換、不可兌換及不可更改。電子購物禮券如有遺失或到期後未使用，概不補發。
16. 電子購物禮券數量有限，送完即止。
17. 恒生銀行及安達保險保留隨時及不時以其他禮品取代電子購物禮券之權利而無須另行通知，而該禮品之價值及種類可能與電子購物禮券不相同。如有爭議，恒生銀行及安達保險保留最終決定的權利。
18. 恒生銀行及安達保險並非電子購物禮券之供應商，故不會承擔與電子購物禮券有關之任何責任。一切與電子購物禮券及其相關之產品及服務之質素及供應情況，概由電子購物禮券之供應商負責。一切有關電子購物禮券之爭議或投訴，均應由客戶與電子購物禮券之供應商自行解決。有關電子購物禮券之使用詳情，請參閱供應商電子購物禮券之條款及細則。
19. 若保單在首個保單年度內取消，恒生銀行保留從客戶之任何恒生銀行信用卡或銀行賬戶內扣除相等於已獲贈電子購物禮券之價值的金額的權利，而不會作任何事先通知。

「鐘點家傭保障計劃」推廣優惠之條款及細則：

1. 「鐘點家傭保障計劃」推廣優惠包括保費折扣優惠（「推廣優惠」）。
2. 推廣優惠之推廣期為2026年1月1日至2026年3月31日（包括首尾兩天）（「推廣期」）。
3. 本推廣優惠只適用於任何現在及╱或由相關申請日期計過去3個月內未曾以保單持有人身份持有、續保或取消由恒生銀行有限公司（「恒生銀行」）分銷的「鐘點家傭保障計劃」（「指定計劃」）之恒生銀行個人客戶（「指定客戶」）。
4. 安達保險香港有限公司（「安達保險」）有獨有絕對酌情決定權根據保單持有人及／或受保人於投保時所提供之資料而決定是否接受有關投保申請。
5. 同一保障計劃經不同投保方法可享的推廣優惠或有不同，恒生銀行及安達保險保留修訂或取消有關推廣優惠之條款及細則之權利，恕不另行通知指定客戶。如有任何爭議，恒生銀行及安達保險保留最終決定的權利。
6. 本推廣優惠不適用於任何恒生銀行及其附屬公司之職員，或任何有資格享有恒生銀行職員優惠之人士。
7. 除另有註明外，本推廣優惠不可與其他推廣優惠同時使用。
8. 除指定客戶、恒生銀行（包括其繼承人及受讓人）及安達保險（包括其繼承人及受讓人）以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。
9. 本條款及細則受香港特別行政區（「香港」）法律所管轄，並按照香港法律詮釋。
10. 本條款及細則受現行監管規定約束。



有關保費折扣優惠之條款及細則：

11. 受本條款及細則所限，指定客戶凡於推廣期內經恒生銀行網頁、恒生銀行個人流動理財服務應用程式或恒生銀行個人e-Banking的指定連結於安達保險網頁成功投保指定計劃，該指定計劃可享保費首年85折優惠（「保費折扣優惠」）（適用於以年繳及月繳保費方式之指定計劃）。

「海外留學保障計劃」特選客戶推廣優惠之條款及細則：

1. 「海外留學保障計劃」特選客戶推廣優惠包括保費折扣優惠和電子購物禮券優惠（「推廣優惠」）。
2. 推廣優惠之推廣期為2026年1月1日至2026年3月31日（包括首尾兩天）（「推廣期」）。
3. 本推廣優惠只適用於任何現在及╱或由相關申請日期計過去3個月內未曾以保單持有人身份持有、續保或取消由恒生銀行有限公司（「恒生銀行」）分銷的「海外留學保障計劃」（「指定計劃」）之恒生銀行個人特選客戶（「特選客戶」）。
4. 安達保險香港有限公司（「安達保險」）有獨有絕對酌情決定權根據保單持有人及／或受保人於投保時所提供之資料而決定是否接受有關投保申請。
5. 同一保障計劃經不同投保方法可享的推廣優惠或有不同，恒生銀行及安達保險保留修訂或取消有關推廣優惠之條款及細則之權利，恕不另行通知特選客戶。如有任何爭議，恒生銀行及安達保險保留最終決定的權利。
6. 本推廣優惠不適用於任何恒生銀行及其附屬公司之職員，或任何有資格享有恒生銀行職員優惠之人士。
7. 除另有註明外，本推廣優惠可同時使用，但不可與其他推廣優惠同時使用。
8. 除特選客戶、恒生銀行（包括其繼承人及受讓人）及安達保險（包括其繼承人及受讓人）以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。
9. 本條款及細則受香港特別行政區（「香港」）法律所管轄，並按照香港法律詮釋。
10. 本條款及細則受現行監管規定約束。



有關保費折扣優惠之條款及細則：

11. 受本條款及細則所限，特選客戶凡於推廣期內經恒生銀行網頁、恒生銀行個人流動理財服務應用程式或恒生銀行個人e-Banking的指定連結於安達保險網頁成功投保指定計劃，該指定計劃可享保費首年75折優惠（「保費折扣優惠」）（只適用於以年繳保費方式之指定計劃）。
12. 若特選客戶取消已成功投保的指定保單，安達保險將根據指定保單之條款的取消部份，按短期保險費率徵收已生效期內之保費。



有關電子購物禮券優惠之條款及細則：

13. 受本條款及細則所限，特選客戶凡滿足以下所有要求，可獲超市電子購物禮券（「電子購物禮券優惠」）：
    1. 於推廣期內經以下方式成功投保指定計劃：
       1. 以保單持有人身份；及
       2. 經恒生銀行網頁、恒生個人流動理財服務應用程式或恒生個人e-Banking的指定連結於安達保險網頁投保；及
    2. 於投保時成功輸入下列資料：
       1. 由恒生銀行或安達保險可能在推廣期期間發出的優惠碼；及
       2. 有效電郵地址；及
    3. 以年繳方式繳付指定計劃保費。
14. 就本優惠的投保：
    1. 若特選客戶投保基本計劃，可獲港幣300元電子購物禮券；及
    2. 若特選客戶投保尊貴計劃，可獲港幣550元電子購物禮券。
15. 安達保險將於保單簽發後3個月內將電子購物禮券電郵至上述電郵地址。該保單必須於電子購物禮券發出時仍然生效及已清繳保費，特選客戶方可獲贈電子購物禮券。如欲查詢，請致電安達保險之客戶服務熱線 (+852) 3191 6668（星期一至五，上午9時至下午5時30分；星期六、日及公眾假期休息）。
16. 特選客戶須確保上述電郵地址為最新及準確無誤。若因特選客戶的電郵地址不正確或電郵未能成功發出以致未能收到電子購物禮券，恒生銀行及安達保險將不再另外補發電子購物禮券，而該名特選客戶將視作放棄電子購物禮券（因恒生銀行及／或安達保險之失誤除外）。
17. 電子購物禮券不可轉換、不可兌換及不可更改。電子購物禮券如有遺失或到期後未使用，概不補發。
18. 電子購物禮券數量有限，送完即止。
19. 恒生銀行及安達保險保留隨時及不時以其他禮品取代電子購物禮券之權利而無須另行通知，而該禮品之價值及種類可能與電子購物禮券不相同。如有爭議，恒生銀行及安達保險保留最終決定的權利。
20. 恒生銀行及安達保險並非電子購物禮券之供應商，故不會承擔與電子購物禮券有關之任何責任。一切與電子購物禮券及其相關之產品及服務之質素及供應情況，概由電子購物禮券之供應商負責。一切有關電子購物禮券之爭議或投訴，均應由客戶與電子購物禮券之供應商自行解決。有關電子購物禮券之使用詳情，請參閱供應商電子購物禮券之條款及細則。
21. 若保單在首個保單年度內取消，恒生銀行保留從客戶之任何恒生銀行信用卡或銀行賬戶內扣除相等於已獲贈電子購物禮券之價值的金額的權利，而不會作任何事先通知。

中英文版本如有任何不一致之處，概以英文版本為準。

以上一般保險保障計劃(「本計劃」)由安達保險承保，該承保公司已獲保險業監管局授權在香港經營，並受其監管。安達保險保留最終保單批核權。恒生銀行已於保險業監管局註冊為保險代理機構(牌照號碼: FA3168)及獲安達保險授權分銷本計劃。本計劃為安達保險而非恒生銀行之產品。投保本計劃須向安達保險支付保費，安達保險會向恒生銀行就銷售本計劃提供佣金及業績獎金，而恒生銀行目前所採取之銷售員工花紅制度，已包含員工多方面之表現，並非只著重銷售金額。

對於恒生銀行與客戶之間因銷售過程或處理有關交易而產生的合資格爭議（定義見金融糾紛調解計劃的金融糾紛調解中心的職權範圍），恒生銀行須與客戶進行金融糾紛調解計劃程序；然而，對於有關產品的保單合約條款、核保、理賠及保單服務的任何爭議，應由安達保險與客戶直接解決。

有關適用保障、條款及不保事項，請參閱保單合約。

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Terms and Conditions for the Promotional Offer of Travelsure Protection Plan Single Trip Coverage:

1. The promotional offer of the Travelsure Protection Plan Single Trip Coverage includes the Premium Discount Offer (“Promotional Offer”).
2. The promotion period of the Promotional Offer is from 1 January 2026 to 31 March 2026 (both days inclusive) (“Promotion Period”).
3. The Promotional Offer is only applicable to any individual customer of Hang Seng Bank Limited (“Hang Seng Bank”) who has not held, renewed or cancelled any Travelsure Protection Plan Single Trip Coverage, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the date of the relevant application (“Customer”).
4. Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
5. Different promotional offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions of the Promotional Offer without prior notice to any customer. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
6. The Promotional Offer is not applicable to any staff of Hang Seng Bank or its subsidiaries, or any person who is eligible for any staff offer of Hang Seng Bank.
7. Unless otherwise specified, the Promotional Offer cannot be used in conjunction with any other promotional offer.
8. No person other than the Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
9. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
10. These terms and conditions are subject to prevailing regulatory requirements.



Terms and Conditions of the Premium Discount Offer:

11. Subject to these terms and conditions, each Customer who successfully applies for the Designated Plan on Chubb’s website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking during the Promotion Period can enjoy a 25% first-year premium discount in relation to the Designated Plan ("Premium Discount Offer").
12. No premium will be refunded if the Customer cancels the Designated Plan upon successful enrollment.

Terms and Conditions for the Promotional Offers for Selected Customers of Travelsure Protection Plan Annual Global Coverage (“Annual Global Coverage”):

1. The promotional offers for Selected Customers of the Travelsure Protection Plan Annual Global Coverage include the Premium Discount Offer and the HKD400 e-Gift Voucher Offer (“Promotional Offers”).
2. The promotion period of the Promotional Offers is from 1 January 2026 to 31 March 2026 (both days inclusive) (“Promotion Period”).
3. Each of the Promotional Offers is only applicable to any individual customer of Hang Seng Bank Limited (“Hang Seng Bank”) who has not held, renewed or cancelled any Travelsure Protection Plan Annual Global Coverage, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the date of the relevant application (“Selected Customer”).
4. Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
5. Different promotional offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions of any of the Promotional Offers without prior notice to any customer. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
6. Each of the Promotional Offers is not applicable to any staff of Hang Seng Bank or its subsidiaries, or any person who is eligible for any staff offer of Hang Seng Bank.
7. Unless otherwise specified, each of the Promotional Offers can be used together, but cannot be used in conjunction with any other promotional offer.
8. No person other than the Selected Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
9. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
10. These terms and conditions are subject to prevailing regulatory requirements.



Terms and Conditions of the Premium Discount Offer:

11. Subject to these terms and conditions, each Selected Customer who successfully applies for the Designated Plan on Chubb’s website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking during the Promotion Period can enjoy a 30% first-year premium discount in relation to the Designated Plan ("Premium Discount Offer")(applicable to yearly payment method only).
12. If any Selected Customer cancels the Designated Policy upon successful enrollment, Chubb will apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Designated Policy.



Terms and Conditions of the HKD400 e-Gift Voucher Offer:

13. Subject to these terms and conditions, each Selected Customer can enjoy a HKD400 supermarket e-Gift voucher upon fulfilling all of the following criteria ("HKD400 e-Gift Voucher Offer"):
    1. Successfully applying for the Designated Plan during the Promotion Period:
       1. In the capacity of the policyholder; and
       2. On Chubb's website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking;
    2. Successfully inputting the following items in the application:
       1. The promotion code as may be provided by Hang Seng Bank or Chubb during the Promotion Period; and
       2. A valid email address; and
    3. Settling the premium of the Designated Plan with yearly payment method.
14. The e-Gift voucher will be sent to the email address within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
15. Each Selected Customer must ensure that the email address is accurate and up to date. If the e-Gift voucher is not received by a Selected Customer because the Selected Customer’s email address is incorrect or the email is unsuccessfully delivered (except due to any fault or mistake of Hang Seng Bank and/or Chubb), Hang Seng Bank and Chubb will not reissue the e-Gift voucher, and the Selected Customer is deemed to have forfeited the e-Gift voucher.
16. The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
17. The e-Gift voucher is only available while stocks last.
18. Hang Seng Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift whose value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
19. Hang Seng Bank and Chubb are not the suppliers of the e-Gift voucher and do not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher is solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
20. If the policy is cancelled within the first policy year, Hang Seng Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with Hang Seng Bank without giving any prior notice.

Terms and Conditions for the Promotional Offers for Selected Customers of Travelsure Protection Plan Annual China Coverage ("Annual China Coverage"):

1. The promotional offers for Selected Customers of the Travelsure Protection Plan Annual China Coverage include the Premium Discount Offer and the HKD200 e-Gift Voucher Offer (“Promotional Offers”).
2. The promotion period of the Promotional Offers is from 1 January 2026 to 31 March 2026 (both days inclusive) (“Promotion Period”).
3. Each of the Promotional Offers is only applicable to any individual customer of Hang Seng Bank Limited (“Hang Seng Bank”) who has not held, renewed or cancelled any Travelsure Protection Plan Annual China Coverage, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the date of the relevant application (“Selected Customer”).
4. Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
5. Different promotional offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions of any of the Promotional Offers without prior notice to any customer. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
6. Each of the Promotional Offers is not applicable to any staff of Hang Seng Bank or its subsidiaries, or any person who is eligible for any staff offer of Hang Seng Bank.
7. Unless otherwise specified, each of the Promotional Offers can be used together, but cannot be used in conjunction with any other promotional offer.
8. No person other than the Selected Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
9. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
10. These terms and conditions are subject to prevailing regulatory requirements.



Terms and Conditions of the Premium Discount Offer:

11. Subject to these terms and conditions, each Selected Customer who successfully applies for the Designated Plan on Chubb’s website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking during the Promotion Period can enjoy a 20% first-year premium discount in relation to the Designated Plan ("Premium Discount Offer")(applicable to yearly payment method only).
12. If any Selected Customer cancels the Designated Policy upon successful enrollment, Chubb will apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Designated Policy.



Terms and Conditions of the HKD200 e-Gift Voucher Offer:

13. Subject to these terms and conditions, each Selected Customer can enjoy a HKD200 supermarket e-Gift voucher upon fulfilling all of the following criteria ("HKD200 e-Gift Voucher Offer"):
    1. Successfully applying for the Designated Plan during the Promotion Period:
       1. In the capacity of the policyholder; and
       2. On Chubb's website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking;
    2. Successfully inputting the following items in the application:
       1. The promotion code as may be provided by Hang Seng Bank or Chubb during the Promotion Period; and
       2. A valid email address; and
    3. Settling the premium of the Designated Plan with yearly payment method.
14. The e-Gift voucher will be sent to the email address within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
15. Each Selected Customer must ensure that the email address is accurate and up to date. If the e-Gift voucher is not received by a Selected Customer because the Selected Customer’s email address is incorrect or the email is unsuccessfully delivered (except due to any fault or mistake of Hang Seng Bank and/or Chubb), Hang Seng Bank and Chubb will not reissue the e-Gift voucher, and the Selected Customer is deemed to have forfeited the e-Gift voucher.
16. The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
17. The e-Gift voucher is only available while stocks last.
18. Hang Seng Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift whose value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
19. Hang Seng Bank and Chubb are not the suppliers of the e-Gift voucher and do not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher is solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
20. If the policy is cancelled within the first policy year, Hang Seng Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with Hang Seng Bank without giving any prior notice.

Terms and Conditions for the Promotional Offers for Selected Customers of Home Care Plus Home Insurance Plan:

1. The promotional offers for Selected Customers of the Home Care Plus Home Insurance Plan include the Premium Discount Offer and the HKD400 e-Gift Voucher Offer (“Promotional Offers”).
2. The promotion period of the Promotional Offers is from 1 January 2026 to 31 March 2026 (both days inclusive) (“Promotion Period”).
3. Each of the Promotional Offers is only applicable to any individual customer of Hang Seng Bank Limited (“Hang Seng Bank”) who has not held, renewed or cancelled any Home Care Plus Home Insurance Plan, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the date of the relevant application (“Selected Customer”).
4. Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
5. Different promotional offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions of any of the Promotional Offers without prior notice to any customer. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
6. Each of the Promotional Offers is not applicable to any staff of Hang Seng Bank or its subsidiaries, or any person who is eligible for any staff offer of Hang Seng Bank.
7. Unless otherwise specified, each of the Promotional Offers can be used together, but cannot be used in conjunction with any other promotional offer.
8. No person other than the Selected Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
9. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
10. These terms and conditions are subject to prevailing regulatory requirements.



Terms and Conditions of the Premium Discount Offer:

11. Subject to these terms and conditions, each Selected Customer who successfully applies for the Designated Plan on Chubb’s website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking during the Promotion Period can enjoy a 20% first-year premium discount in relation to the Designated Plan ("Premium Discount Offer") (applicable to both yearly and monthly payment methods).



Terms and Conditions of the HKD400 e-Gift Voucher Offer:

12. Subject to these terms and conditions, each Selected Customer can enjoy a HKD400 supermarket e-Gift voucher upon fulfilling all of the following criteria ("HKD400 e-Gift Voucher Offer"):
    1. Successfully applying for the Designated Plan during the Promotion Period:
       1. In the capacity of the policyholder; and
       2. On Chubb's website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking;
    2. Successfully inputting the following items in the application:
       1. The promotion code as may be provided by Hang Seng Bank or Chubb during the Promotion Period; and
       2. A valid email address; and
    3. Settling the premium of the Designated Plan with yearly payment method or monthly payment method (monthly payment method requires 7 consecutive months premium payment).
13. For the policy paid by yearly payment method, the e-Gift voucher will be sent to the email address within 3 months after the policy has been issued; for the policy paid by monthly payment method, the e-Gift voucher will be sent to the email address provided within 3 months after the Selected Customer has paid the premium for 7 consecutive months. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
14. Each Selected Customer must ensure that the email address is accurate and up to date. If the e-Gift voucher is not received by a Selected Customer because the Selected Customer’s email address is incorrect or the email is unsuccessfully delivered (except due to any fault or mistake of Hang Seng Bank and/or Chubb), Hang Seng Bank and Chubb will not reissue the e-Gift voucher, and the Selected Customer is deemed to have forfeited the e-Gift voucher.
15. The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
16. The e-Gift voucher is only available while stocks last.
17. Hang Seng Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift whose value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
18. Hang Seng Bank and Chubb are not the suppliers of the e-Gift voucher and do not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher is solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
19. If the policy is cancelled within the first policy year, Hang Seng Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with Hang Seng Bank without giving any prior notice.

Terms and Conditions for the Promotional Offers for Selected Customers of Personal Accident Insurance Plan:

1. The promotional offers for Selected Customers of the Personal Accident Insurance Plan include the Premium Discount Offer and the HKD150 e-Gift Voucher Offer (“Promotional Offers”).
2. The promotion period of the Promotional Offers is from 1 January 2026 to 31 March 2026 (both days inclusive) (“Promotion Period”).
3. Each of the Promotional Offers is only applicable to any individual customer of Hang Seng Bank Limited (“Hang Seng Bank”) who has not held, renewed or cancelled any Personal Accident Insurance Plan, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the date of the relevant application (“Selected Customer”).
4. Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
5. Different promotional offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions of any of the Promotional Offers without prior notice to any customer. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
6. Each of the Promotional Offers is not applicable to any staff of Hang Seng Bank or its subsidiaries, or any person who is eligible for any staff offer of Hang Seng Bank.
7. Unless otherwise specified, each of the Promotional Offers can be used together, but cannot be used in conjunction with any other promotional offer.
8. No person other than the Selected Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
9. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
10. These terms and conditions are subject to prevailing regulatory requirements.



Terms and Conditions of the Premium Discount Offer:

11. Subject to these terms and conditions, each Selected Customer who successfully applies for the Designated Plan on Chubb’s website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking during the Promotion Period can enjoy either of the following first-year premium discounts in relation to the Designated Plan ("Premium Discount Offer") (applicable to both yearly and monthly payment methods):
    1. With monthly payment method: first-year 10% premium discount; or
    2. With yearly payment method: first-year 15% premium discount.



Terms and Conditions of the HKD150 e-Gift Voucher Offer:

12. Subject to these terms and conditions, each Selected Customer can enjoy a HKD150 supermarket e-Gift voucher upon fulfilling all of the following criteria ("HKD150 e-Gift Voucher Offer"):
    1. Successfully applying for the Designated Plan during the Promotion Period:
       1. In the capacity of the policyholder; and
       2. On Chubb's website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking;
    2. Successfully inputting the following items in the application:
       1. The promotion code as may be provided by Hang Seng Bank or Chubb during the Promotion Period; and
       2. A valid email address; and
    3. Settling the premium of the Designated Plan with yearly payment method or monthly payment method (with monthly payment method requiring 7 consecutive months' premium payment).
13. For the policy paid by yearly payment method, the e-Gift voucher will be sent to the email address within 3 months after the policy has been issued; for the policy paid by monthly payment method, the e-Gift voucher will be sent to the email address provided within 3 months after the Selected Customer has paid the premium for 7 consecutive months. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
14. Each Selected Customer must ensure that the email address is accurate and up to date. If the e-Gift voucher is not received by a Selected Customer because the Selected Customer’s email address is incorrect or the email is unsuccessfully delivered (except due to any fault or mistake of Hang Seng Bank and/or Chubb), Hang Seng Bank and Chubb will not reissue the e-Gift voucher, and the Selected Customer is deemed to have forfeited the e-Gift voucher.
15. The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
16. The e-Gift voucher is only available while stocks last.
17. Hang Seng Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift whose value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
18. Hang Seng Bank and Chubb are not the suppliers of the e-Gift voucher and do not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher is solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
19. If the policy is cancelled within the first policy year, Hang Seng Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with Hang Seng Bank without giving any prior notice.

Terms and Conditions for the Promotional Offers for Selected Customers of Domestic Helper Insurance Plan:

1. The promotional offers for Selected Customers of the Domestic Helper Insurance Plan include the Premium Discount Offer and the HKD50 e-Gift Voucher Offer (“Promotional Offers”).
2. The promotion period of the Promotional Offers is from 1 January 2026 to 31 March 2026 (both days inclusive) (“Promotion Period”).
3. Each of the Promotional Offers is only applicable to any individual customer of Hang Seng Bank Limited (“Hang Seng Bank”) who has not held, renewed or cancelled any Domestic Helper Insurance Plan, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the date of the relevant application (“Selected Customer”).
4. Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
5. Different promotional offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions of any of the Promotional Offers without prior notice to any customer. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
6. Each of the Promotional Offers is not applicable to any staff of Hang Seng Bank or its subsidiaries, or any person who is eligible for any staff offer of Hang Seng Bank.
7. Unless otherwise specified, each of the Promotional Offers can be used together, but cannot be used in conjunction with any other promotional offer.
8. No person other than the Selected Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
9. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
10. These terms and conditions are subject to prevailing regulatory requirements.



Terms and Conditions of the Premium Discount Offer:

11. Subject to these terms and conditions, each Selected Customer who successfully applies for the Designated Plan on Chubb’s website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking during the Promotion Period can enjoy a 15% first-year premium discount in relation to the Designated Plan ("Premium Discount Offer").



Terms and Conditions of the HKD50 e-Gift Voucher Offer:

12. Subject to these terms and conditions, each Selected Customer can enjoy a HKD50 supermarket e-Gift voucher upon fulfilling all of the following criteria ("HKD50 e-Gift Voucher Offer"):
    1. Successfully applying for the Designated Plan during the Promotion Period:
       1. In the capacity of the policyholder; and
       2. On Chubb's website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking;
    2. Successfully inputting the following items in the application:
       1. The promotion code as may be provided by Hang Seng Bank or Chubb during the Promotion Period; and
       2. A valid email address; and
    3. Settling the premium of the Designated Plan with yearly payment method.
13. The e-Gift voucher will be sent to the email address within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
14. Each Selected Customer must ensure that the email address is accurate and up to date. If the e-Gift voucher is not received by a Selected Customer because the Selected Customer’s email address is incorrect or the email is unsuccessfully delivered (except due to any fault or mistake of Hang Seng Bank and/or Chubb), Hang Seng Bank and Chubb will not reissue the e-Gift voucher, and the Selected Customer is deemed to have forfeited the e-Gift voucher.
15. The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
16. The e-Gift voucher is only available while stocks last.
17. Hang Seng Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift whose value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
18. Hang Seng Bank and Chubb are not the suppliers of the e-Gift voucher and do not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher is solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
19. If the policy is cancelled within the first policy year, Hang Seng Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with Hang Seng Bank without giving any prior notice.

Terms and Conditions for the Promotional Offer of Part-time Domestic Helper Insurance Plan:

1. The promotional offer of the Part-time Domestic Helper Insurance Plan includes the Premium Discount Offer (“Promotional Offer”).
2. The promotion period of the Promotional Offer is from 1 January 2026 to 31 March 2026 (both days inclusive) (“Promotion Period”).
3. The Promotional Offer is only applicable to any individual customer of Hang Seng Bank Limited (“Hang Seng Bank”) who has not held, renewed or cancelled any Part-time Domestic Helper Insurance Plan, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the date of the relevant application (“Customer”).
4. Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
5. Different promotional offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions of the Promotional Offer without prior notice to any customer. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
6. The Promotional Offer is not applicable to any staff of Hang Seng Bank or its subsidiaries, or any person who is eligible for any staff offer of Hang Seng Bank.
7. Unless otherwise specified, the Promotional Offer cannot be used in conjunction with any other promotional offer.
8. No person other than the Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
9. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
10. These terms and conditions are subject to prevailing regulatory requirements.



Terms and Conditions of the Premium Discount Offer:

11. Subject to these terms and conditions, each Customer who successfully applies for the Designated Plan on Chubb’s website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking during the Promotion Period can enjoy a 15% first-year premium discount in relation to the Designated Plan ("Premium Discount Offer")(applicable to both yearly and monthly payment methods).

Terms and Conditions for the Promotional Offers for Selected Customers of Studysure Protection Plan:

1. The promotional offers for Selected Customers of the Studysure Protection Plan include the Premium Discount Offer and the e-Gift Voucher Offer (“Promotional Offers”).
2. The promotion period of the Promotional Offers is from 1 January 2026 to 31 March 2026 (both days inclusive) (“Promotion Period”).
3. Each of the Promotional Offers is only applicable to any individual customer of Hang Seng Bank Limited (“Hang Seng Bank”) who has not held, renewed or cancelled any Studysure Protection Plan, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the date of the relevant application (“Selected Customer”).
4. Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
5. Different promotional offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions of any of the Promotional Offers without prior notice to any customer. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
6. Each of the Promotional Offers is not applicable to any staff of Hang Seng Bank or its subsidiaries, or any person who is eligible for any staff offer of Hang Seng Bank.
7. Unless otherwise specified, each of the Promotional Offers can be used together, but cannot be used in conjunction with any other promotional offer.
8. No person other than the Selected Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
9. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
10. These terms and conditions are subject to prevailing regulatory requirements.



Terms and Conditions of the Premium Discount Offer:

11. Subject to these terms and conditions, each Selected Customer who successfully applies for the Designated Plan on Chubb’s website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking during the Promotion Period can enjoy a 25% first-year premium discount in relation to the Designated Plan ("Premium Discount Offer")(applicable to yearly payment method only).
12. If any Selected Customer cancels the Designated Policy upon successful enrollment, Chubb will apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Designated Policy.



Terms and Conditions of the e-Gift Voucher Offer:

13. Subject to these terms and conditions, each Selected Customer can enjoy a supermarket e-Gift voucher upon fulfilling all of the following criteria ("e-Gift Voucher Offer"):
    1. Successfully applying for the Designated Plan during the Promotion Period:
       1. In the capacity of the policyholder; and
       2. On Chubb's website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking; and
    2. Successfully inputting a valid email address in the application.
14. For the application under this offer:
    1. If the Selected Customer applies for the essential plan, the Selected Customer can enjoy a HKD300 e-Gift voucher; and
    2. If the Selected Customer applies for the supreme plan, the Selected Customer can enjoy a HKD550 e-Gift voucher.
15. The e-Gift voucher will be sent to the email address within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
16. Each Selected Customer must ensure that the email address is accurate and up to date. If the e-Gift voucher is not received by a Selected Customer because the Selected Customer’s email address is incorrect or the email is unsuccessfully delivered (except due to any fault or mistake of Hang Seng Bank and/or Chubb), Hang Seng Bank and Chubb will not reissue the e-Gift voucher, and the Selected Customer is deemed to have forfeited the e-Gift voucher.
17. The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
18. The e-Gift voucher is only available while stocks last.
19. Hang Seng Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift whose value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of Hang Seng Bank and Chubb is final.
20. Hang Seng Bank and Chubb are not the suppliers of the e-Gift voucher and do not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher is solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
21. If the policy is cancelled within the first policy year, Hang Seng Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with Hang Seng Bank without giving any prior notice.

The English version prevails if there is any inconsistency between the English and Chinese versions.

The above general insurance plan ("this Plan") is underwritten by Chubb, which is authorised and regulated in Hong Kong by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank is registered as an insurance agency by the Insurance Authority (Licence No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application for this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable.

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