The following plans are life insurance plans and are not equivalent or similar to any kind of bank deposit. This product is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”). Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited.
The above information is intended as a general summary of information for reference only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance Company Limited. Please refer to the actual policy for the exact terms, conditions and exclusions of the Plan.
A breakthrough in online insurance tradition grow your wealth while receiving monthly pocket money(37) CouponPower Guaranteed Life Insurance Plan
Provides you with 10 years of guaranteed income stream in the form of monthly pocket money(37), along with life protection and coverage for 2 common cancer types, to help you and your family maintain a desired quality of life while supporting your financial goals.
The Plan comes with a guaranteed breakeven period of as short as 3 years. Successfully apply for the CouponPower Guaranteed Life Insurance Plan with the promo code “PROMO1” to enjoy an up to 4.14% annualised guaranteed rate of return plus a reward of up to 390,000 Olive Points(40).
#Breakthroughinonlineinsurance   #Passiveimcome   #3yrsbreakeven
Program features
Guaranteed monthly income(37)
Up to 4.14%(40) Annualised Guaranteed Rate of Return
Guaranteed breakeven period of as short as 3 years
Supplementary cancer(38) and accidental death(39) coverage
>  Learn more
Get a free quote and apply online now at
hangseng.com/couponpower
Fabulous offer
QuickReward Endowment Life Insurance Plan (1-Year)
4.38% guaranteed annual rate of return is on your hand
Apply with designated promotion code <INCOME> to enjoy guaranteed return of up to 4.38%(15) upon successful application of QuickReward Endowment Life Insurance Plan (1-Year)!
>  Get a free quote and apply now
Get a free quote and apply online now at
hangseng.com/quickreward-plan
eIncomePro Deferred Annuity Plan (100% Guaranteed)(10)
Provides you with, aside from life protection, an annuity income with a guaranteed internal rate of return(13) of 3.02% - 3.30%. Your qualifying premiums paid are also eligible for application for a tax deduction(14)! Upon successful application with an eligible Hang Seng Credit Card, you can even enjoy 3x +FUN Dollars or Yuu Points(7).
>  Get a free quote and apply now
Get a free quote and apply online now at
hangseng.com/eincomepro-plan
Learn more about Hang Seng online insurance products or get a free quote
Short term endowment
QuickReward Endowment Life Insurance Plan (1-Year)
Extremely short term saving insurance.
Provide guaranteed return of up to 4.38%(15) in a year to help you reach savings goal quickly
> Details
Promotion Offer
  • Apply with designated promotion code: INCOME to enjoy guaranteed return of up to 4.38%(15)
  • Hang Seng Olive VIP Gold / Silver members enjoy extra HK$50 HKTVmall e-Gift Voucher(21) upon successful application
Get a free quote and apply online now
Get a free quote and apply online now at
hangseng.com/apply-quickreward
Cancer Protection
eCancerPro Insurance Plan
With cancer and life protection, enjoy coverage against hefty medical bills
> Details
Promotion Offer
  • Upon successful application, you can enjoy a 3-month premium waiver(1)
    Required to input the designated promotion code: 3JUSC3
  • Pay the premiums with a Hang Seng Credit Card to earn +FUN Dollars Rebate or Yuu Points(7)
Get a free quote and apply online now
Get a free quote and apply online now at
hangseng.com/ecancerpro-plan
Guaranteed monthly income(37)
CouponPower Guaranteed Life Insurance Plan
A breakthrough in insurance tradition, providing you with a guaranteed monthly income for 10 years to level up life for you and your family
> Details
Promotion Offer
  • Successfully apply for CouponPower Guaranteed Life Insurance Plan with the promo code "PROMO1"  to enjoy an annualised guaranteed rate of return up to 4.14% and a reward of up to 390,000 Olive Points(40).
Get a free quote and apply online now
Get a free quote and apply online now at
hangseng.comcouponpower
Wealth Accumulation
5-Year eEndowment Life
Insurance Plan+
An annualized guaranteed rate of return of 3.9%(22) with life insurance protection.
Your key to achieving short-term financial goals!
> Details
Get a free quote and apply online now
Get a free quote and apply online now at
hangseng.com/endowment-plan
+5-Year eEndowment Life Insurance Plans – The Choice 5-Year Life Insurance Plan (HKD) / (USD) are life insurance plans with saving element underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).
Life Protection
eFamilyPro Life Insurance Plan
Helps you safeguard the future of your loved one with up to HK$8 million sum insured, daily premiums as low as HK$0.4(4).
> Details
Promotion Offer
  • Upon successful application, you can enjoy a 8-month premium waiver(2)
    Required to input the designated promotion code: 3MASF8
  • Pay the premiums with a Hang Seng Credit Card to earn +FUN Dollars Rebate or Yuu Points(7)
Get a free quote and apply online now
Get a free quote and apply online now at
hangseng.com/efamilypro-plan
Deferred Annuity
(may apply for tax deductions)
eIncomePro Deferred Annuity Plan (100% Guaranteed)(10)
100% guaranteed 3.02%-3.3% annuity return! Apply online insurance plan to build up 10 years passive income(11) and the chance of tax deduction(10)^. Earn and save your cost at the same time!
> Details
Promotion Offer
  • Enjoy 3X +FUN Dollars or Yuu Points(7) by successfully applying for the eIncomePro Deferred Annuity Plan(100% Guaranteed) with an eligible Hang Seng Credit Card and entering the designated promo code “3IPM03” .
Get a free quote and apply online now
Get a free quote and apply online now at
hangseng.com/eincomepro-plan
^Please note that only the net premium paid, after accounting for any marketing offers such as discounts or premium waivers, may qualify for tax concessions. The actual tax advantages of this policy will vary depending on an individual's tax situation, which includes factors like salary income and assessable profits. If you have any uncertainties, it is recommended that you seek guidance from a professional tax advisor.
Hospital Cash Benefits
EasyRefund 100% Global Hospital Cash Plan (3-Year)
No matter where you are, EasyRefund 100% Global Hospital Cash Plan (3-Year) offers you a Daily Hospital Cash Benefit(27) and full return on premium paid at policy maturation. Unclaimed policies could yield up to 103% of the Total Premiums Paid(29) upon maturity
> Details
Promotion Offer
  • Upon successful application, you can enjoy a Free Wellness Service once (worth HK$870)(31)
  • Pay the premiums with a Hang Seng Credit Card to earn +FUN Dollars Rebate or Yuu Points(7)
Get a free quote and apply online now
Get a free quote and apply online now at
hangseng.com/apply-easyrefund
Terms and conditions apply. Please note the relevant product and credit risks. The above Life Insurance Plans are underwritten by Hang Seng Insurance Company Limited. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited.
Take a look at these examples to help you figure out which plans suit you best!
Get protected on a limited budget And work towards your goals, worry-free!
Society freshman
Good coverage will help you get you through any mortgage setbacks.
New house-owner
Plan ahead for your daughter and yourself — and safeguard those plans!
Perfect Mom
Never a worry for financial freedom with early retirement!
Breadwinning middle-managers
The above examples are for reference only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation of any products. Customer should explore short term endowment life insurance based on their insurance needs and affordability, and no advice has been given by Hang Seng Bank.
Why choosing Hang Seng Online Insurance Plan?
Online-to-Offline Comprehensive Support
Get 24/7 round-the-clock assistance with our AI chatbot HARO, pre- and after-sales hotlines and 270 service outlets
All it takes is 5 minutes
Only 3 steps for application — health check-up and documentations are not required
Manage your insurance policies and assets in one bank
Log on to Hang Seng Personal e-Banking or Mobile App to access our latest products and manage your assets
Get a free quote and apply online now Get a free quote and apply online now
Need more help? Please call 2998 8038
Learn about what insurance plans do people like you hold
Insurance Explorer
Please visit
The Hang Seng Bank Website >
Insurance & MPF >
Insurance Explorer
Identity
Society freshman
Gender
Male
Age
25
Target Suggested Hang Seng Insurance plan How the insurance plan help you Premium Insurance amount
Save money and enjoy life insurance protection 5-Year eEndowment Life Insurance Plan
Get a free quote and
apply online now
1
Build-up money saving habits
2
Earn 100% guaranteed passive income
3
Achieve financial freedom as soon as possible
HK$600
Per month
-
Safeguard family and ourself eFamilyPro Life Insurance Plan
Get a free quote and
apply online now
Obtain insurance coverage for any emergency needs, reduce family burden accordingly HK$0.4(4)
Per day*
HK$500,000
eCancerPro
Insurance Plan
Get a free quote and
apply online now
HK$0.3(9)
Per day*
HK$100,000
* The premium is fixed for the first 10 years
# The actual premiums vary from person to person. Premiums will be calculated based on the underwriting decision. The above Life Insurance Plans are underwritten by Hang Seng Insurance Company Limited. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited.
The above life insurance plans information is intended as a general summary of Hang Seng Insurance for reference only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation of any products. Customer should explore life insurance plans based on their insurance needs and affordability, and no advice has been given by Hang Seng Bank.
Identity
New house-owner
Gender
Female
Age
35
Target Suggested Hang Seng Insurance plan How the insurance plan help you Premium Insurance amount
Reduce financial burden for your family when facing illness and accidents eFamilyPro Life Insurance Plan
Get a free quote and
apply online now
Even if you pass away unfortunately, the beneficiary could receive the sum insured (HK$5,000,000) compensation without worrying about the outstanding mortgage HK$5.7(24)
Per day*
HK$5,000,000
eCancerPro Insurance Plan
Get a free quote and
apply online now
Once you are diagnosed with cancer, you will be able to receive a one-off and unlimited usage cash protection compensation, which helps getting your treatment without further worries. HK$6.2(25)
Per day*
HK$1,000,000
EasyRefund 100% Global Hospital Cash Plan (3-Year)
Get a free quote and
apply online now
The daily hospital cash benefit per year will be up to HK$150,000(28)(32) with the condition of hospitality no matter where you are(27). You will obtain a full premium refund even if you have made a claim before. 103% premium rebate for those who have not claimed before(29) HK$61
Per day
up to HK$150,000 daily hospital cash benefit per year(28)(32)
* The above premium is fixed for the first 10 years and offers protection up to age 80 regardless of the Life Insured’s health status.
# The actual premiums vary from person to person. Premiums will be calculated based on the underwriting decision. The above Life Insurance Plans are underwritten by Hang Seng Insurance Company Limited. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited.
The above life insurance plans information is intended as a general summary of Hang Seng Insurance for reference only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation of any products. Customer should explore life insurance plans based on their insurance needs and affordability, and no advice has been given by Hang Seng Bank.
Identity
Perfect Mom
Gender
Female
Age
35
Target Suggested Hang Seng Insurance plan How the insurance plan help you Premium Insurance amount
Arrange your daughter’s future studies with a sufficient fund support for going abroad or staying in HK with life insurance protection enjoyed. 5-Year eEndowment Life Insurance Plan
Get a free quote and apply online now
100% guaranteed return, helping you to save money steadily as well as earning 3.9% annual rate of return HK$60,000
Per year
-
Safeguarding your health without any disruption of your life planning eCancerPro Insurance Plan
Get a free quote and apply online now
1
You do not have to worry about medical or living expenses upon receiving a one-time compensation from having cancer
2
Your daughter also share all protection as yours
HK$9.3(36)
Per day*
HK$1,500,000
* The above premium is fixed for the first 10 years and offers protection up to age 80 regardless of the Life Insured’s health status.
# The actual premiums vary from person to person. Premiums will be calculated based on the underwriting decision. The above Life Insurance Plans are underwritten by Hang Seng Insurance Company Limited. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited.
The above life insurance plans information is intended as a general summary of Hang Seng Insurance for reference only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation of any products. Customer should explore life insurance plans based on their insurance needs and affordability, and no advice has been given by Hang Seng Bank.
Identity
Breadwinning middle-managers
Gender
Male
Age
40
Target Suggested Hang Seng Insurance plan How the insurance plan help you Premium Insurance amount
Retirement at the age of 55 eIncomePro Deferred Annuity Plan (100% Guaranteed)
Get a free quote and
apply online now
1
You may apply for tax reduction, you are expected to save HK$6,460 tax during the premium payment period
2
Monthly guaranteed annuity income of HK$2,835 during 55-64 years old
HK$38,003.20
Annually 5 years premium payment period
-
Obtain stable value-added profit with life protection in a short period of time QuickReward Endowment Life Insurance Plan (1-Year)
Get a free quote and
apply online now
4.38% guaranteed return in only a year US$22,500 -
Receive your medical treatment in a private hospital for any illness EasyRefund 100% Global Hospital Cash Plan (3-Year)
Get a free quote and
apply online now
1
Up to HK$150,000 hospital cash protection annually(28)(32)
2
Receive your full premium refund upon 3 years policy maturity even if you have a made a claim before
3
103% premium rebate for those who have not claimed before(29)
HK$71
Per day
up to HK$150,000 global hospital cash benefit in each policy year(28)(32)
# The actual premiums vary from person to person. Premiums will be calculated based on the underwriting decision. The above Life Insurance Plans are underwritten by Hang Seng Insurance Company Limited. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited.
The above life insurance plans information is intended as a general summary of Hang Seng Insurance for reference only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation of any products. Customer should explore life insurance plans based on their insurance needs and affordability, and no advice has been given by Hang Seng Bank.
Short term
Endowment
QuickReward Endowment Life Insurance Plan (1-Year) is a life insurance plan and is not equivalent or similar to any kind of bank deposit. This product is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”).
Extremely short term saving insurance. QuickReward Endowment Life Insurance Plan (1-Year) help you reach savings goal quickly
  • Guaranteed return of up to 3.90%(15) in a year
    Annualized guaranteed rate of return (16)
    HKD 2.75%
    USD 3.90%
    RMB 2.00%
  • Different currency options: HKD / RMB / USD
  • Provides Death Benefit(19) and Accidental Death Benefit(20)
  • Limited quota(17)(18)
Terms and conditions apply, subject to the credit risk of Hang Seng Insurance and surrender loss, please note the relevant product and credit risks.
For details of the plan features and the relevant product risks, please refer to the product brochure. For terms and conditions of the plan, please refer to the policy.
Promotion Offer
  • Successfully apply with the designated promotion code: INCOME to enjoy guaranteed return of up to 4.38%(15)
    Annualized guaranteed rate of return(16)
    HKD 3.50%
    USD 4.38%
    RMB 2.40%
  • Hang Seng Olive VIP Gold / Silver members enjoy extra HK$50 HKTVmall e-Gift Voucher(21) upon successful application
Get a free quote and apply online now
Visit hangseng.com/apply-quickreward
to get a free quote and apply online now!
Do not have a Hang Seng bank account? Download Hang Seng Mobile App to create your account now!
QR code
Need more help? Please call 2198 7838
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.
Cancer
Protection
eCancerPro is a term life insurance plan with no savings element underwritten by Hang Seng Insurance Company Limited.
eCancerPro Insurance Plan provides coverage for life and cancer protection to help you meet unexpected expenses with ease
  • Coverage including various common types of cancer(8)
    • Male: Prostate Cancer / Testicular Cancer
    • Female: Cervical Cancer / Ovarian Cancer
  • Carcinoma-in-situ / Early Stage Cancer advanced benefit(8) with a maximum of two claims, each claim amount equivalent to 20% of the sum insured
  • Fixed for 10-year terms with daily premiums as low as HK$0.3(9)
  • 8 choices of Sum Insured(5) from HK$100,000 to HK$5,000,000
  • A child under age of 18 (including a newborn) shares all the benefits with no additional premium required (maximum Sum Insured amount of child benefit is HK$1.5 million)
For details of the plan features and the relevant product risks, please refer to the product brochure. For terms and conditions of the plan, please refer to the policy.
Promotion Offer
  • Upon successful application, you can enjoy a 3-month premium waiver(1)
    Required to input the designated promotion code: 3JUSC3
  • Pay the premiums with a Hang Seng Credit Card to earn +FUN Dollars Rebate or Yuu Points(7)
Get a free quote and apply online now
Visit hangseng.com/ecancerpro-plan
to get a free quote and apply online now!
Do not have a Hang Seng bank account? Download Hang Seng Mobile App to create your account now!
QR code
Need more help? Please call 2998 8038
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.
Life
Protection
eFamilyPro is a term life insurance plan with no savings element underwritten by Hang Seng Insurance Company Limited.
eFamilyPro Life Insurance Plan helps you safeguard the future of your loved ones
  • Daily premiums as low as HK$0.4(4)
  • Fixed for first 10 years. Upon the policy is effective, it is renewable up to age 80 regardless of the Life Insured’s health status
  • 9 choices of Sum Insured(5) from HK$500,000 to HK$8,000,000
  • Upon the unfortunate passing away, the beneficiary(ies) will receive a lump sum Death Benefit
  • Before the Life Insured’s age reaches 60 (6), the policy may be converted to a new whole of life or endowment policy
  • Application takes about 5 minutes(3) only without the hassle of providing documentation and medical examinations
For details of the plan features and the relevant product risks, please refer to the product brochure. For terms and conditions of the plan, please refer to the policy.
Promotion Offer
  • Upon successful application, you can enjoy a 8-month premium waiver(2)
    Required to input the designated promotion code: 3MASF8
  • Pay the premiums with a Hang Seng Credit Card to earn +FUN Dollars Rebate or Yuu Points(7)
Get a free quote and apply online now
Visit hangseng.com/efamilypro-plan
to get a free quote and apply online now!
Do not have a Hang Seng bank account? Download Hang Seng Mobile App to create your account now!
QR code
Need more help? Please call 2998 8038
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.
Deferred
Annuity
(may apply for tax deductions)
eIncomePro Deferred Annuity Plan (100% Guaranteed) ("eIncomePro" or "the Plan") is a life insurance plan and is not equivalent or similar to any kind of bank deposit. This product information does not contain the full terms of the policy and the full terms can be found in the relevant policy document. It is underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance"). "eIncomePro" has been certified by the Insurance Authority ("IA") as Qualifying Deferred Annuity Policy ("QDAP"). For more information about "QDAP", please visit www.ia.org.hk.
eIncomePro Deferred Annuity Plan (100% Guaranteed)(10) helps you plan early for your passive income and apply for tax deductions(10)^
  • Provides 10-year extra fixed income(11) with a guaranteed internal rate of return of 3.02%-3.3%(13)
  • The Plan is certified by the Insurance Authority ("IA") as a Qualifying Deferred Annuity Policy and the relevant premiums may be eligible for a tax deduction(10). The maximum limit is HK$60,000(14) per assessment year.
    If you choose to pay an annual premium
    HK$60,000 x tax rate of 17% = Each taxpayer can save tax for up to HK$10,200 in each tax assessment year(10)(14)
  • Multiple choices of premium option and payment mode#
    Annual mode: HKD38,000-HKD180,000 / USD4,760-USD22,500
    Monthly mode: HKD3,230-HKD15,300 / USD405-USD1,913
^Please note that only the net premium paid, after accounting for any marketing offers such as discounts or premium waivers, may qualify for tax concessions. The actual tax advantages of this policy will vary depending on an individual's tax situation, which includes factors like salary income and assessable profits. If you have any uncertainties, it is recommended that you seek guidance from a professional tax advisor.
#There will be within 0.5% difference between the actual premium figures and the premium options selection due to rounding up of the system setting.
Terms and conditions apply, subject to the credit risk of Hang Seng Insurance and surrender loss, please note the relevant product and credit risks.
For details of the plan features and the relevant product risks, please refer to the product brochure. For the terms and conditions of the plan, please refer to the policy.
Promotion Offer
  • Enjoy 3X +FUN Dollars or Yuu Points(7) by successfully applying for the eIncomePro Deferred Annuity Plan(100% Guaranteed) with an eligible Hang Seng Credit Card and entering the designated promo code “3IPM03” .
Get a free quote and apply online now
Visit hangseng.com/eincomepro-plan
to get a free quote and apply online now!
Do not have a Hang Seng bank account? Download Hang Seng Mobile App to create your account now!
QR code
Need more help? Please call 2198 7838
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.
To borrow or not to borrow? Borrow only if you can repay!
Wealth
Accumulation
5-Year eEndowment Life Insurance Plan – The Choice 5-Year Life Insurance Plan (HKD / USD) are life insurance plans with saving element underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”). These plans are neither bank deposit nor banking saving plans.
5-Year eEndowment Life Insurance Plan achieves your saving goals with a premium payment period of only 2 years
  • Guaranteed cash value of up to 118.7%(22) of the Total Premium Paid upon maturity
    Guaranteed cash value percentage*
    (compare Total Premium Paid)
    Annual rate of return
    HKD Plan Monthly 112.6% 2.99%
    Annually 115.7% 3.30%
    USD Plan Monthly 115.5% 3.65%
    Annually 118.7% 3.90%
    *includes first year premium discount
  • Monthly premium as low as HKD600 / USD75
  • 2-year premium payment period and provide flexible payment mode: Monthly / Annual
  • Life Protection and Free Extended Coverage
  • Limited quota(23)
By choosing the Plan denominated in currencies other than local currency, you are subject to exchange rate risks. Exchange rate fluctuates from time to time. Upon the currency conversion, you may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of the exchange rate fluctuations. You have considered the aforesaid exchange rate risk factors, conversion arrangement and the potential loss associated before applying for the Plan.
Terms and conditions apply, subject to the credit risk of Hang Seng Insurance and surrender loss, please note the relevant product and credit risks.
For details of the plan features and the relevant product risks, please refer to the product brochure. For terms and conditions of the plan, please refer to the policy.
Get a free quote and apply online now
Visit hangseng.com/endowment-plan
to get a free quote and apply online now!
Do not have a Hang Seng bank account? Download Hang Seng Mobile App to create your account now!
QR code
Need more help? Please call 2198 7838
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.
Hospital Cash
Benefits
EasyRefund 100% Global Hospital Cash Plan (3-Year) (“EasyRefund” or “The Plan”) is a life insurance plan with premium refund and global hospital cash benefits, but it is not equivalent or similar to any kind of bank deposit. It is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”). This product information does not contain the full terms of the policy and the full terms can be found in the relevant policy document.
No matter where you are, EasyRefund 100% Global Hospital Cash Plan (3-Year) offers you Daily Hospital Cash Benefit when you need to be treated in hospital(27)(28). You can even get a refund of 103% of the Total Premiums Paid(29) upon maturity.
  • 3-Year global hospital cash benefits
  • Guaranteed to receive a full premium refund upon the maturity, up to 103% of the Total Premiums Paid(29) as a refund upon the maturity if no claim has been made for any Supplementary Benefits(30)
  • Four choices of Daily Hospital Cash Benefits level: from HK$300 to HK$1,500, provides up to HK$150,000 global hospital cash benefit(32) in each policy year
  • Offer Extra Hospital Cash Benefit(33)(With admission to Intensive Care Unit(ICU)), Death and Accidental Death Benefit
  • Application without the hassle of providing documentation and medical examinations
For details of the plan features and the relevant product risks, please refer to the product brochure. For terms and conditions of the plan, please refer to the policy.
Promotion offer
  • Upon successful application, you can enjoy a Free Wellness Service once (worth HK$870)(31)
    Please contact customer service officer for more details
  • Pay the premiums with a Hang Seng Credit Card to earn +FUN Dollars Rebate or Yuu Points(7)
Get a free quote and apply online now
Visit hangseng.com/apply-easyrefund
to get a free quote and apply online now!
Do not have a Hang Seng bank account? Download Hang Seng Mobile App to create your account now!
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Need more help? Please call 2198 7838
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.
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.
Guaranteed
monthly income(37)
The following plans are life insurance plans and are not equivalent or similar to any kind of bank deposit. This product is underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”). Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited.
The above information is intended as a general summary of information for reference only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance Company Limited. Please refer to the actual policy for the exact terms, conditions and exclusions of the Plan.
Coupon Power Guaranteed Life Insurance Plan
  • Provides you with a guaranteed income(37) stream for 10 years
  • Annualised guaranteed rate of return up to 4.14%(40)
  • Guaranteed breakeven period of as short as 3 years
  • Life protection plus coverage for 2 common cancer types(38)
  • Guaranteed acceptance without any requirement for medical examination
Terms and conditions apply, surrender may result in loss. Please note the relevant product and credit risks. For details Insurance Plan features and the relevant product risks, please refer to the product brochure. For terms and conditions of the Insurance Plan, please refer to the relevant policy provisions.
Promotion offer
  • Successfully apply for CouponPower Guaranteed Life Insurance Plan with the promo code "PROMO1"  to enjoy an annualised guaranteed rate of return up to 4.14% and a reward of up to 390,000 Olive Points(40).
Get a free quote and apply online now
Visit hangseng.com/couponpower
to get a free quote and apply online now!
Do not have a Hang Seng bank account? Download Hang Seng Mobile App to create your account now!
QR code
Need more help? Please call 2198 7838
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.
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.
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