Hang Seng General Insurance Plan

Above information are for reference only. Please refer to the Plan Coverage and Policy Wording for details.

Remarks:

1. The maximum claim for Personal Accident coverage is HKD600,000 (Annual China Cover – Standard Plan)
2. The maximum claim for Medical Expenses Coverage is HKD600,000 (Annual China Cover – Standard Plan)
3. The Insured should check the hospital list and call the Chubb 24-Hour Emergency Hotline at (852) 3723 3030 for assistance. Chubb Assistance China Emergency Card and Travel document are needed to present to the appointed hospital in China. Please keep all hospital receipts and pass them onto Chubb Insurance Hong Kong Limited for claims handling within 30 days after you are discharged. All information provided on the hospital list is subject to change without prior notice. Please contact the 24-hour Chubb Emergency Hotline for assistance.
4. The maximum claim for personal property per insured person is HKD3,000 (Annual China Cover). An excess of 20% will be deducted for each and every successful claim for Mobile Phone. The maximum claim for each Mobile Phone is HKD1,500 (Annual China Cover).
5. Terms and Conditions apply to promotion offer. Offer promotion period is from 1 January 2025 to 30 June 2025. For the Terms and Conditions for Travelsure Protection Plan 2x / 10x +FUN Dollars Reward, please click here.
6. Promotional offers are subject to Terms and Conditions. The promotion period is from 30 April 2025 to 30 June 2025. For Terms and Conditions related to PayDay⁺ and Preferred Banking promotion, please click here.
7. Promotional offers are subject to Terms and Conditions. The promotion period is from 16 May 2025 to 30 June 2025. For Terms and Conditions related to Selected Hang Seng Credit Card customers promotion, please click here.

For the Terms and Conditions for Travelsure Protection Plan Annual China Cover promotion offers, please click hereclick here.

For the Policy Wording for Travelsure Protection Plan Annual China Cover, please click here.

For the Policy Wording for Travelsure Protection Plan Annual China Cover, please visit: Hang Seng Bank Website > Insurance & MPF > Travel > Travelsure Protection Plan > Useful information > Policy Wording (Annual China Cover)

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

The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License 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 to 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. The information provided in this document is a brief summary for quick and easy reference only.

The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.

Above information are for reference only. Please refer to the Plan Coverage and Policy Wording for details.

Remarks:

1. The maximum claim for Medical Expenses Coverage is HKD600,000 (Single Trip Cover – Basic Plan – Mainland China and Macau) or HKD1,000,000 (Single Trip Cover – Standard Plan – Asia and worldwide).
2. The maximum claim for personal property per insured person is HKD3,000 (Single Trip Cover – Basic Plan – Mainland China and Macau) or HKD15,000 (Single Trip Cover – Standard Plan – Asia and worldwide).
3. An excess of 20% will be deducted for each and every successful claim for Mobile Phone. The maximum claim for each Mobile Phone is HKD1,500 (Single Trip Cover – Basic Plan – Mainland China and Macau) or HKD3,000 (Single Trip Cover – Standard Plan – Asia and worldwide).
4. The local police or equivalent local law enforcement officials must be notified within twenty-four (24) hours of the occurrence of any event which may give rise to a claim under this coverage. The written Police report of such notification must also be provided to Chubb. The maximum claim for Loss of Travel Documents Coverage is HKD5,000 (Single Trip Cover – Basic Plan – Mainland China and Macau) or HKD10,000 (Single Trip Cover – Standard Plan – Asia and worldwide). Please refer to the Policy Wording for the detailed coverage and general exclusions.
5. The maximum claim for Trip Cancellation Coverage is HKD5,000 (Single Trip Cover – Basic Plan – Mainland China and Macau) or HKD30,000 (Single Trip Cover – Standard Plan – Asia and worldwide). Please refer to the Policy Wording for the detailed coverage and general exclusions.
6. This coverage is only applicable to Travelsure Protection Plan (Single Trip Cover – Standard Plan – Asia and worldwide). During the Period of Insurance when the Insured Person is on a journey, in the event of loss or damage to the Rental Vehicle caused by an Accident whilst the Rental Vehicle is under the control of the Insured Person during the rental period, Chubb will reimburse the respective excess or deductible of a comprehensive motor insurance which the Insured Person becomes legally liable to pay, up to HKD5,000 coverage. Please refer to the Policy Wording for the detailed coverage and general exclusions.
7. Terms and Conditions apply to promotion offer. Offer promotion period is from 1 January to 30 June 2025 . For the Terms and Conditions for Travelsure Protection Plan 2x / 10x +FUN Dollars Reward, please click hereclick here.

For the Terms and Conditions for Travelsure Protection Plan Single Trip Cover promotion offers, please click hereclick here.

For the Policy Wording for Travelsure Protection Plan Single Trip Cover, please click here.

For the Policy Wording for Travelsure Protection Plan Single Trip Cover, please visit: Hang Seng Bank Website > Insurance & MPF > Travel > Travelsure Protection Plan > Useful information > Policy Wording (Single Trip Cover)

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

The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License 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 to 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. The information provided in this document is a brief summary for quick and easy reference only.

The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.

Above information are for reference only. Please refer to the Plan Coverage and Policy Wording for details.

Remarks:

1. The maximum claim for Medical Expenses Coverage is HKD1,0000,000 (Annual Global Cover). Please refer to the Policy Wording for the detailed coverage and general exclusions.
2. The maximum claim for personal property per insured person is HKD15,000 (Annual Global Cover). An excess of 20% will be deducted for each and every successful claim for Mobile Phone. The maximum claim for each Mobile Phone is HKD5,000 (Annual Global Cover).
3. The local Police or equivalent local law enforcement officials must be notified within twenty-four (24) hours of the occurrence of any event which may give rise to a claim under this coverage. The written Police report of such notification must also be provided to Chubb. The maximum claim for Travel Documents Coverage is HKD10,000 (Annual Global Cover). Please refer to the Policy Wording for the detailed coverage and general exclusions.
4. This coverage is only applicable to Travelsure Protection Plan (Annual Global Cover). During the Period of Insurance when the Insured Person is on a journey, in the event of loss or damage to the Rental Vehicle caused by an Accident whilst the Rental Vehicle is under the control of the Insured Person during the rental period, Chubb will reimburse the respective excess or deductible of a comprehensive motor insurance which the Insured Person becomes legally liable to pay, up to HKD5,000 coverage. Please refer to the Policy Wording for the detailed coverage and general exclusions.
5. Terms and Conditions apply to promotion offer. Offer promotion period is from 1 January 2025 to 30 June 2025. For the Terms and Conditions for Travelsure Protection Plan 2x / 10x +FUN Dollars Reward, please click here.
6. Promotional offers are subject to Terms and Conditions. The promotion period is from 30 April 2025 to 30 June 2025. For Terms and Conditions related to PayDay⁺ and Preferred Banking promotion, please click here.
7. Promotional offers are subject to Terms and Conditions. The promotion period is from 16 May 2025 to 30 June 2025. For Terms and Conditions related to Selected Hang Seng Credit Card customers promotion, please click here.

For the Terms and Conditions for Travelsure Protection Plan Annual Global Cover promotion offers, please click hereclick here.

For the Policy Wording for Travelsure Protection Plan Annual Global Cover, please click here.

For the Policy Wording for Travelsure Protection Plan Annual Global Cover, please visit: Hang Seng Bank Website > Insurance & MPF > Travel > Travelsure Protection Plan > Useful information > Policy Wording (Annual Global Cover)

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

The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License 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 to 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. The information provided in this document is a brief summary for quick and easy reference only.

The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.

Remarks:

1. Up to HKD1 million Contents Cover is only applicable to premium plan. Home Contents are furniture, lightings, other collectibles, valuables and renovations or domestic structural improvements installed by the Insured Person that are not otherwise insured by the management corporation or another insurance policy. Please refer to the Home Care Plus Home Insurance Plan Policy Wording for the detailed coverage and general exclusions.
2. Excess for water damage to Contents Cover: For building age 40 years or below, an excess of HKD800. For building age 41-50 years, an excess of HKD5,000 or 10% of the assessed loss (whichever is higher) will be applied. For building age 51 years or above, an excess of HKD5,000 or 15% of the assessed loss (whichever is higher) will be applied .
3. Chubb will pay the Insured Person for physical accidental loss or damage to your contents while stored away from Insured Person’s premises at work situation or any situation owned, occupied or rented by Insured Person (including storage facility) within Hong Kong arising out of:
   1. fire, lightning, explosion, earthquake, Riot and Civil Commotion;
   2. Storm, Flood, malicious acts or vandalism, escape of water or oil or collision where the Household contents are situated in the Building at the time of loss or damage;
   3. theft or burglary from any Building provided that force is shown to be used to enter the Building;
   4. robbery or theft while the Contents are being carried or worn.
   Excess is HKD500. The maximum amount pay for any one (1) event of Sum Insured is specified in the Policy Schedule. Excess as stated in the Policy Schedule is applicable for each and every claim made.
4. For the financial loss from an unauthorized transaction made using the Insured Person’s Credit Card information without his/her consent where the Credit Card is still in the Insured Person’s possession, Chubb will reimburse Insured Person for the unauthorized transaction, for which Insured Person is responsible in the two (2) months prior to Insured Person’s first reporting the incident to the issuers. Please refer to the Home Care Plus Home Insurance Plan Policy Wording for the detailed coverage and general exclusions.
5. In the event of unforeseen or Accidental loss or damage to the home during renovation/alteration, if the covered total contract value does not exceed HK$500,000 and the aggregate period involved is not longer than ninety (90) consecutive days in duration. Chubb will not pay for the sum specified as Other Excess or Water Damage Excess in respect of each and every claim for loss or damage to contract works or any amount exceeding the Item Limit specified in the Policy Schedule.
6. No single item of Developer’s Fixtures and Fittings is deemed to have a Replacement Cost exceeding 10% of the Sum Insured.
7. Promotional offers are subject to Terms and Conditions. The promotion period is from 30 April 2025 to 30 June 2025. For Terms and Conditions related to PayDay⁺ and Preferred Banking promotion, please click here.
8. Promotional offers are subject to Terms and Conditions. The promotion period is from 16 May 2025 to 30 June 2025. For Terms and Conditions related to Selected Hang Seng Credit Card customers promotion, please click here.

For the Terms and Conditions for Home Care Plus Home Insurance Plan promotion offers, please click hereclick here.

For the Policy Wording for Home Care Plus Home Insurance Plan, please click here.

For the Policy Coverage for Home Care Plus Home Insurance Plan, please click here.

For the Policy Wording for Home Care Plus Home Insurance Plan, please visit: Hang Seng Bank Website > Insurance & MPF > Accident & Household > Home Care Plus Home Insurance Plan > Useful information > Policy Wording

For the Policy Coverage for Home Care Plus Home Insurance Plan, please visit: Hang Seng Bank Website > Insurance & MPF > Accident & Household > Home Care Plus Home Insurance Plan > Useful information > Product Disclosure Sheet

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

The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License 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 to 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. The information provided in this document is a brief summary for quick and easy reference only.

The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.

Above information are for reference only. Please refer to the Plan Coverage and Policy Wording for details.

Remarks:

1. Diagnosis details and official payment receipt for the relevant treatment are required to be submitted.
2. The insured (main insured and his/her spouse/ child if applicable) must be Hong Kong Resident and holder of valid Hong Kong Identity Card.
3. No payment will be made under the Policy for death, injury or medical and surgical expense directly or indirectly caused by, resulting from or in connection with any sports in a professional capacity or Dangerous and Hazardous Sports. Please refer to the Policy Wording for the detailed coverage and general exclusions.
4. Applicable to premium paid with yearly payment mode.
5. Receipts and Doctor’s certificate or documents are required to be submitted. The maximum claim for Accidental Medical Benefits per policy year is HKD10,000 (Personal Accident Insurance Plan – Plan A) or HKD20,000 (Personal Accident Insurance Plan – Plan B).
6. If the Insured Person suffers an Accidental Death or Permanent Disablement (not applicable to disablement less than 100%), while the Insured Person is travelling as a passenger in a Public Common Carrier or private car, the amount shown in the Policy Schedule at the time of the Accident for the Accidental Death and Permanent Disablement Benefit will be doubled. Please refer to the Policy Wording for the detailed coverage and general exclusions.
7. The maximum claim for Personal Liability Coverage is HKD300,000 (Personal Accident Insurance Plan – Plan A) or HKD500,000 (Personal Accident Insurance Plan – Plan B). Please refer to the Policy Wording for the detailed coverage and general exclusions.
8. In the event no claims are made, or any incidents that may lead to a claim occurring, under this Policy for a period of five (5) consecutive Policy Years from the Commencement Date, thirty percent (30%) of the premium received during this period by Chubb will be refunded to You without interest. If a claim is made within the five (5) year period, the eligibility period for a No Claim Premium Refund will re-start at the next Anniversary Date after the end of the five (5) year period. If a No Claim Premium Refund is paid to You, a new five (5) year eligibility period will begin. Please refer to the Policy Wording for the detailed coverage and general exclusions.

For the Terms and Conditions for Personal Accident Insurance Plan promotion offers, please click hereclick here.

For the Terms and Conditions for Personal Accident Insurance Plan promotion offers, please

For the Policy Wording for Personal Accident Insurance Plan, please click here.

For the Policy Coverage for Personal Accident Insurance Plan, please click here.

For the Policy Wording for Personal Accident Insurance Plan, please visit: Hang Seng Bank Website > Insurance & MPF > Accident & Household > Personal Accident Insurance Plan > Useful information > Policy Wording

For the Policy Coverage for Personal Accident Insurance Plan, please visit: Hang Seng Bank Website > Insurance & MPF > Accident & Household > Personal Accident Insurance Plan> Useful information > Product Disclosure Sheet

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

The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License 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 to 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. The information provided in this document is a brief summary for quick and easy reference only.

The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.

Remarks:

1. Please refer to the Plan Policy for the Domestic Helper Insurance Plan for exact terms, conditions and details of the exclusions.
2. Only applicable to Comprehensive Plan.

For the Terms and Conditions for Domestic Helper Insurance Plan promotion offers, please click hereclick here.

For the Policy Wording for Domestic Helper Insurance Plan, please click here.

For the Policy Coverage for Domestic Helper Insurance Plan, please click here.

For the Policy Wording for Domestic Helper Insurance Plan, please visit: Hang Seng Bank Website > Insurance & MPF > Accident & Household > Domestic Helper Insurance Plan> Useful information > Policy Wording

For the Policy Coverage for Domestic Helper Insurance Plan, please visit: Hang Seng Bank Website > Insurance & MPF > Accident & Household > Domestic Helper Insurance Plan > Useful information > Product Disclosure Sheet

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

The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License 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 to 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. The information provided in this document is a brief summary for quick and easy reference only.

The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.

Above information are for reference only. Please refer to the Plan Coverage and Policy Wording for details.

Remarks:

1. The maximum coverage for Medical Expenses is HKD1,000,000, which is only applicable to the Supreme Plan.
2. Original receipts and medical proof or supporting documents must be provided.
3. The Insured must report to the local police force or any other law enforcement agents within 24 hours of the occurrence of the relevant incident and provide the written police report regarding the loss to Chubb Insurance Hong Kong Limited when submitting the claim application. For details of the Loss of Travel Document Coverage, please refer to the terms and conditions for the Studysure Protection Plan.
4. Promotional offers are subject to Terms and Conditions. The promotion period is from 16 May 2025 to 30 June 2025. For Terms and Conditions related to Selected Hang Seng Credit Card customers promotion, please click here.

For details of the terms and conditions of the promotion offers for the Studysure Protection Plan, please click hereclick here.

For details of the Policy Wordings of the Studysure Protection Plan, please click here.

For the Policy Wording for Studysure Protection Plan , please visit: Hang Seng Bank Website > Insurance & MPF > Travel & Overseas Study > Studysure Protection Plan > Useful information > Policy Wording

For the Policy Coverage for Studysure Protection Plan , please visit: Hang Seng Bank Website > Insurance & MPF > Travel & Overseas Study > Studysure Protection Plan > Useful information > Product Disclosure Sheet

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

In the event of any discrepancy or inconsistency between the English version and the Chinese version of the above information, the English version shall apply and prevail.

The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in the Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License 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. The information provided in this document is a brief summary for quick and easy reference only.

The above information is intended to be a general summary for reference only. Please refer to the Policy Wordings for exact terms, conditions and details of the exclusions.