1. Please click here for the Terms and Conditions for eCancerPro Insurance Plan 3-month Premium Waiver Offer in the first policy year.
2. Please click here for the Terms and Conditions for eFamilyPro Life Insurance Plan 8-month Premium Waiver Offer in the first policy year.
3. The actual time required maybe affected by various factors, including the internet environment, device, etc.
4. Calculation of the premium is based on a 25-year-old male non-smoker with a Sum Insured of HKD500,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
5. The maximum aggregate sum insured that each life insured could apply for eFamilyPro Life Insurance Plan and eCancerPro Insurance Plan is HKD8,000,000 for insured who is aged 50 or below and HKD 3,500,000 for insured who is aged above 50.
6. Age at last birthday.
7. The promotion period is from 1 July 2025 to 30 September 2025. Please click here for the Terms and Conditions of 3x +FUN Dollars /yuu Points Offer. Please note relevant product risks, to which the promotion is subject.
8. For the definition of Cancer, Carcinoma-in-situ and Early Stage Cancer, and the exclusions of the Plan, please refer to the policy provision which shall be considered as final.
9. Calculation of the premium is based on a 25-year-old male non-smoker with a Sum Insured of HKD100,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
10. eIncomePro Deferred Annuity Plan (100% Guaranteed) is certified by the Insurance Authority ("IA") as a Qualifying Deferred Annuity Policy ("QDAP"). However, the IA certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all policyholders nor is it an endorsement of its suitability for any particular policyholder or class of policyholders. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy. The QDAP status of this product does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. This product’s QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of the HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. Please note that the amount of net premium due and paid qualified for tax deduction purpose does not include levy and it is after deducting any marketing offers (e.g. premium discount, premium waiver, credit card reward points, other gift and rewards under tactical programs, etc.) and the actual tax benefits of this policy would depends on personal tax position (e.g. salaries income and assessable profits) and you should always consult with a professional tax advisor if you have any doubts. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We have no responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAPs may be found at .
11. Monthly Guaranteed Annuity Income is payable on each monthiversary starting from the commencement date of the Annuity Period⁽¹²⁾. The Monthly Guaranteed Annuity Income will be directly deposited into the designated Hang Seng Bank saving account.
12. Annuity Period refers to the period during which Monthly Guaranteed Annuity Income is payable. The Annuity Period of "eIncomePro" is 10 years.
13. IRR depends on your chosen accumulation period and payment mode.
14. Assumptions:
    • You are a Hong Kong taxpayer having income chargeable to tax;
    • Qualifying deferred annuity premiums of HKD60,000 are paid by you in a tax assessment year;
    • You do not have any other tax deductible MPF voluntary contributions account during the tax assessment year;
    • The maximum total tax deductions for qualifying deferred annuity premiums and tax deductible MPF voluntary contributions for each taxpayer for the applicable tax assessment year is HKD60,000;
    • The highest rate of the progressive tax rate applicable to the taxpayer is 17%
15. This annualized guaranteed rate of return is calculated based on the USD plan. Terms and conditions apply. Limited Quota apply.
16. The calculation of the annualized guaranteed rate of return is based on premium discount and your selected on premium option. This amount is for reference only and levy is not included.
17. QuickReward Endowment Life Insurance Plan (1-Year) (“QuickReward” or “the Plan”) is a product with limited quota. “Hang Seng Insurance” reserves the right to stop online applications of the Plan without prior notice and the right to accept or decline any applications for the Plan based on the information provided by the Life Insured and / or Policyholder during online enrolment.
18. You may apply online for more than 1 Hang Seng Insurance’s QuickReward Endowment Life Insurance Plan (1-Year) policy with RMB premium option. Yet QuickReward offers limited quota and if you would like to apply for more than 1 QuickReward Endowment Life Insurance Plan (1-Year) policy with RMB premium option, please note that your total premium paid for all life insurance plans in Hang Seng Insurance cannot exceed RMB11,000,000.
19. In the unfortunate event of the death of the Life Insured while the Policy is in force, the beneficiary(ies) will receive a lump-sum payment of Death Benefit equals to 101% of the Total Premium Paid for the Basic Plan as at the date of the death of the Life Insured.
20. In the unfortunate event of the accidental death of the Life Insured before the end of the policy term, in addition to the above Death Benefit, the beneficiary(ies) will receive the Accidental Death Benefit, which equals to 10% of the Total Premium Paid under the Basic Plan.
21. This is the return rate in USD annual payment mode with first year premium discount included.
22. 5-Year eEndowment Life Insurance Plan (Online Version) (the "Plan") is limited offer only. "Hang Seng Insurance" reserves the right to stop online applications for the Plan without prior notice. "Hang Seng Insurance" reserves the right to accept or decline any application for the Plan based on the information provided by the Life Insured and / or Policyholder during online enrolment.
23. Calculation of the premium is based on a 35-year-old female non-smoker with a Sum Insured of HKD5,000,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
24. Calculation of the premium is based on a 35-year-old female non-smoker with a Sum Insured of HKD1,000,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
25. Such Hospital Confinement has to be certified by a Registered Doctor to be Medically Necessary. “Medically Necessary” means medical services and Hospital Confinement which are necessary for the care or treatment of the Bodily Injury, Sickness, Disease or Illness and which are: (i) consistent with the diagnosis and customary medical treatment for medical condition; and (ii) in accordance with good and prudent medical practice; and (iii) not for the convenience of the Policyholder, the Life Insured or any individual who cares for him or any individual who is part of his family.
26. A Sickness, Disease or Illness occurring at least 30 days after the Policy Date or effective date of reinstatement of the Policy, whichever is later.
27. The Policyholder will be entitled to a refund of 103% of Total Premiums Paid (for policy with annual payment mode) while the Policy must be still in force upon the Benefit Cessation Date of Basic Plan, and no benefit have been paid or become payable under any Supplementary Benefits⁽²⁸⁾. Other cases please refer to EasyRefund 100% Global Hospital Cash Plan (3-Year) at-a-Glance Summary.
28. Supplementary Benefits include Daily Hospital Cash Benefit, Extra Hospital Cash Benefit, and Accidental Death Benefit.
29. Please click here for the Terms and Conditions of the Free Wellness Service Offer upon successful application for the EasyRefund 100% Global Hospital Cash Plan (3-Year).
30. During the whole Policy Term of the Plan, this benefit will be paid up to 300 days for all Hospital Confinements per policy, with limit at 100 days per policy year. The benefit of Daily Hospital Cash Benefit will be terminated automatically upon the payment of 300 days of the Daily Hospital Cash Benefit. If in the case where the Hospital Confinement⁽³³⁾ occurs in a place other than listed as a Benefit Area⁽³²⁾, the Daily Hospital Cash Benefit will be limited to 50% of the protection amount and the benefit will only be paid up to 30 days for Hospital Confinement per policy.
31. The Extra Hospital Cash Benefit, up to 60 days during the whole Policy Term, shall be paid.  The Extra Hospital Cash Benefit will immediately and automatically cease once (i) Hang Seng Insurance has paid Extra Hospital Cash Benefit for 60 days; or (ii) Hang Seng Insurance has paid Daily Hospital Cash Benefit for 300 days (whichever is earlier).  If in the case where the Hospital Confinement⁽³³⁾ occurs in a place other than listed as a Benefit Area⁽³²⁾, the Extra Hospital Cash Benefit will be limited to 50% of the protection amount and the benefit will only be paid up to 30 days for Hospital Confinement per policy.
32. “Benefit Area” means the following places: Hong Kong SAR, Macau SAR, Taiwan, Singapore, Malaysia, Thailand, Japan, South Korea, Canada, United States of America, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom, Australia, New Zealand.
33. If the Hospital Confinement occurs in mainland China (excluding the Hong Kong SAR, the Macau SAR and Taiwan), Hang Seng Insurance will only pay Daily Hospital Cash Benefit under this policy if the medical services are provided in the hospitals that are formally assessed and rated by the National Health Commission of the People's Republic of China or local governments’ health commissions of the People's Republic of China as a “Class III Grade A” hospital or above.
34. Calculation of the premium is based on a 35-year-old female non-smoker with a Sum Insured of HKD1,500,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
35. CouponPower will provide Monthly Guaranteed Income on every Monthiversary starting from the 2nd Monthiversary of the policy term until policy maturity (i.e. 10th Policy Anniversary).
36. If the Life Insured is diagnosed with breast or lung cancer by a registered doctor, he/she will receive a lump sum payout for the designated cancer benefit. If the Life Insured is diagnosed by a Registered Doctor as suffering from Cancer or Carcinoma-in-situ in mainland China (excluding the Hong Kong SAR, the Macau SAR and Taiwan), we will only pay the Designated Cancer Benefit under this Policy if the Cancer or Carcinoma-in-situ is diagnosed by a Registered Doctor in a hospital that is formally assessed and rated by the National Health Commission of the People’s Republic of China or local governments’ health commissions of the People’s Republic of China as a “Class III Grade A” hospital or above. Notwithstanding that, in case the Life Insured suffers from more than one Cancer or Carcinoma-in-situ, this Supplementary Benefit will only be paid once in respect of the Life Insured under each Policy. In no event shall the Company pay both the Death Benefit and Designated Cancer Benefit at the same time under this Policy. Accidental Death Benefit will be automatically terminated (i) when such Accidental Death Benefit is paid out, or (ii) on the date the Policy of the Basic Plan lapses, terminates, expires, becomes void, is cancelled or is surrendered7, or (iii) on the Benefit Cessation Date of this Supplementary Benefit (whichever is the earliest).
37. Accidental Death Benefit will be automatically terminated (i) when such Accidental Death Benefit is paid out, or (ii) on the date the Policy of Basic Plan lapses, terminates, expires, becomes void, is cancelled or is surrendered, or (iii) on the Benefit Cessation Date of this Supplementary Benefit (whichever is the earliest).
38. This annualised guaranteed rate of return is subject to payment mode, policy currency and premium discount.
39. Unemployment Benefit is only applicable to individuals who hold a valid Hong Kong Identity Card. To be eligible to claim this Benefit, the Policyholder should be unemployed for at least 30 consecutive days and be qualified for payment of severance benefits under the Employment Ordinance of the Hong Kong Special Administrative Region. Unemployment Benefit will be automatically terminated when (i) the Policyholder’s Insurance Age⁽⁴⁰⁾ reaches 65, or (ii) the end of the payment term, or (iii) on the date the Policy of basic plan lapses, terminates, expires, becomes void, is surrender or cancelled (whichever is the earliest). Please refer to the policy provisions for the exceptions and full details and conditions.
40. Insurance Age means, at any date, the age of the Life Insured or Policyholder (if applicable) on the most recent birthday prior to the Policy Date plus the number of completed Policy Years. If the Life Insured’s or Policyholder’s (if applicable) birthday is on the Policy Date, it will be calculated based on the age on such Policy Date.

Information Disclosure
The above information is intended as a general summary of information and is for reference only. Please refer to the relevant leaflet or factsheet for exact contents, product risk, credit risk, terms, conditions and exclusions of the relevant Life Insurance Plan, and the policy of the relevant Life Insurance Plan shall be considered as final.

The above Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorized and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited and the insurance products are products of Hang Seng Insurance Company Limited but not Hang Seng Bank. 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 you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly. Policyholders are subject to the credit risk of Hang Seng Insurance Company Limited and early surrender loss. T&Cs apply, please note the relevant product risks.

If you surrender the Policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of this Plan for the projected surrender values. All details regarding policy surrender should be referred to the relevant policy provisions.