Terms and Conditions of Exclusive HASE Insurance promotion offer for Prestige World Mastercard

1. The promotion period is from 1 January 2026 to 31 March 2026 (both days inclusive) (“Promotion Period”).
2. Subject to clause 10, this promotion is only applicable for principal card of Prestige World Mastercard (“Eligible Credit Card”) issued by Hang Seng Bank Limited (“Hang Seng”).
3. This promotion is applicable to personal customers but not applicable to corporate customers of Hang Seng.
4. Subject to these terms and conditions, during the Promotion Period, any customer who applies for any Eligible Life Insurance Plan via branch as the policyholder and settles the initial premium of the relevant policy with the Eligible Credit Card (“Designated Policy”) can enjoy +FUN Dollars reward (“Reward”). The Reward is calculated by the total premiums of all Designated Policies of each Eligible Credit Card before applying relevant premium discount (if any) as shown in the below table (“Total Premiums”):

   Total Premiums	+FUN Dollars reward
   From HK$ 1,000,000 to HK$ 2,999,999	$100 +FUN Dollars
   From HK$ 3,000,000 to HK$ 4,999,999	$200 +FUN Dollars
   HK$ 5,000,000 or above	$500 +FUN Dollars

   
   Example:

   Insurance Plans	Is the initial premium of the relevant policy settled with the Eligible Credit Card via branch within the Promotion Period	Total Premiums	Payment Term	Reward
   LegendPower 2	Yes	HK$ 5,000,000	10 years（Monthly Mode）	$500 +FUN Dollars
   FamilyPower 2	Yes	HK$ 3,000,000	3 years（Annual Mode）	$200 +FUN Dollars
   LegendPower Supreme	No	HK$ 5,000,000	5 years（Annual Mode）	Inapplicable for the Reward

5. “Eligible Life Insurance Plans” means the Power Series: IncomePower, PhoenixPower, DragonPower, LegendPower 2, LegendPower Supreme, and FamilyPower 2, except for any life insurance plan whose policy currency does not allow for settlement of premium by credit card.
6. The Designated Policy must be successfully issued within 45 days (for guaranteed acceptance or simplified underwriting policies) or 90 days (for full underwriting or premium financing policies) after the date of application.
7. Eligible Life Insurance Plans with single premium do not qualify for this promotion.
8. If a customer selects any of the following foreign currencies as the policy currency, the applicable Total Premium for calculating the Reward is the amount of total premium in the selected foreign currency converted into Hong Kong Dollars by the following respective conversion rates: US Dollar by 8; RMB by 1.25.
9. Each credit card account can enjoy the Reward at most 1 time only under this promotion.
10. Supplementary card account is not eligible to receive the Reward. However, if both Eligible Credit Card’s principal card and any supplementary card are used to settle the initial premiums of Designated Policies within the Promotion Period, and the relevant cards share the same credit limit, the Total Premiums of all such Designated Policies will be calculated on a combined basis, and the Reward will be credited to the principal card account only.
11. Any application towards any Eligible Life Insurance Plan with unposted / cancelled / refunded premium will not qualify as eligible application for the purpose of this promotion.
12. The +FUN Dollars will be credited into the Eligible Credit Card account by September 2026. Such credit card account should remain valid and in good standing when the relevant +FUN Dollars are credited.
13. The +FUN Dollars reward rewarded will be rounded down to the nearest dollar. The +FUN Dollars reward of less than $1 +FUN Dollar will not be rewarded. All rewarded +FUN Dollars rebate cannot be transferred or converted into cash under any circumstances. Use of +FUN Dollars is subject to the terms and conditions of Hang Seng Credit Card Membership Rewards Programme. Please call our 24-hour Hang Seng Credit Card Marketing Enquiry Hotline 2998 6899 for details.
14. Any transaction which is eventually cancelled, returned or found to be fraudulent is considered as ineligible transaction for this promotion and reward will not be rewarded.
15. This promotion is jointly offered by Hang Seng and Hang Seng Insurance Company Limited (“Hang Seng Insurance”).
16. Hang Seng Insurance has the right to decide whether or not to accept the insurance application based on information provided by the policyholder(s) or the life insured(s) upon application.
17. Hang Seng reserves the right to vary or convert +FUN Dollars reward to other forms of rewards (including but not limited to points or cash reward) equivalent to the same values / amounts / earnings ratio of the +FUN Dollars to any eligible customer from time to time without prior notice.
18. Unless otherwise specified, this promotion cannot be used in conjunction with any Hang Seng staff privileges and other +FUN Dollars promotions.
19. No person other than the customer, Hang Seng (which includes its successors and assigns) and Hang Seng Insurance (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.
20. Hang Seng and Hang Seng Insurance reserve the right to suspend, vary or terminate this promotion and the offers and to amend these terms and conditions at any time and from time to time without prior notice.
21. Hang Seng and Hang Seng Insurance reserve the right of final decision on all matters relating to the above offers, which is binding on all parties concerned.
22. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
23. These terms and conditions are subject to prevailing regulatory requirements.
24. In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version prevails.

To borrow or not to borrow? Borrow only if you can repay!

This document by itself is not and should not be considered as an offer, recommendation or solicitation to deal in any of the insurance products or services mentioned herein. Please refer to the promotion leaflets/ flyers and policy provisions for the important information such as detailed coverage, exact terms and conditions and exclusions of the relevant Eligible Life Insurance Plans. Please refer to the product brochures for the relevant product risks.

The above Eligible Life Insurance Plans are underwritten by Hang Seng Insurance. Hang Seng Insurance is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng is an insurance agency authorised by Hang Seng Insurance for distribution of these plans, and the insurance products are products of Hang Seng Insurance but not Hang Seng. Upon application for these plans, insurance premium will be payable to Hang Seng Insurance and Hang Seng Insurance will provide Hang Seng with commission and performance bonus as remuneration for distribution of these plans. The existing staff remuneration policy on sales offered by Hang Seng 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 and you out of the selling process or processing of the related insurance product transactions, Hang Seng 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 and you directly.

The benefits and/or returns mentioned throughout this material are not guaranteed and for illustrative purpose only. The actual future amounts of benefits and/or returns may be lower than or higher than the currently quoted benefits and/or returns. The policyholder is subject to the credit risk of “Hang Seng Insurance”. If the policyholder discontinues and/or surrenders this policy in early policy years, the amount of benefits you will get back may be considerably less than the total premiums you have paid. All details regarding policy surrender should be referred to the relevant policy provisions.