Hang Seng Bank

Redirect to related Terms and Conditions:

Travelsure Protection Plan Annual Global Coverage
Travelsure Protection Plan Annual China Coverage
Home Care Plus Home Insurance Plan
Studysure Protection Plan

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

The promotional offers for selected customers of the Travelsure Protection Plan Annual Global Coverage (“Annual Global Coverage”) include the Premium Discount Offer and HKD200 e-Gift Voucher Offer (each a “Promotional Offer” and collectively the “Promotional Offers”).
The promotion period of these Promotional Offers is from 16 May 2025 to 30 June 2025 (both days inclusive) (“Promotion Period”).
The Promotional Offers are only applicable to selected customers who have not held, renewed or cancelled any Annual Global Coverage, which is distributed by Hang Seng Bank Limited (“Hang Seng Bank”), in the capacity of policyholders in the past 3 months and has/have received the relevant promotion materials from Hang Seng Bank (“Selected Customers”).
Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
Selected Customers should refer to the relevant terms and conditions below for details of the Promotional Offers.
Different Promotional Offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions for relevant Promotional Offers without prior notice to the Selected Customers. In case of any dispute, the decision of Hang Seng Bank and Chubb shall be final.
The Promotional Offers are not applicable to the staff of Hang Seng Bank or its subsidiaries, or those who are eligible for staff offers of Hang Seng Bank.
Unless otherwise specified, these Promotional Offers can be used together, but cannot be used in conjunction with other promotional offers.
No person other than the Selected Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
These terms and conditions are subject to prevailing regulatory requirements.

Terms and Conditions of the Premium Discount Offer:

Subject to these terms and conditions, during the Promotion Period, each Selected Customer can enjoy a 30% first-year premium discount upon successful application of the Annual Global Coverage (“Premium Discount Offer”).
The Premium Discount Offer is only available to any Selected Customer who successfully applies for the Annual Global Coverage on Chubb’s website via designated link on either the Hang Seng Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking.
If any Selected Customer cancels the Annual Global Coverage policy upon successful enrollment, Chubb shall apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Annual Global Coverage policy.

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

Subject to these terms and conditions, during the Promotion Period, each Selected Customer can enjoy a HKD200 e-Gift voucher of designated supermarket (“e-Gift voucher”) upon successful application for the Annual Global Coverage on Chubb’s website in the capacity of the policyholder via designated link on either the Hang Seng Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking with the premium being settled with the yearly payment method (“HKD200 e-Gift Voucher Offer”).
Each Selected Customer must input a valid promotion code that may be designated by Hang Seng Bank from time to time and provide a valid email address during the application of the Annual Global Coverage to enjoy the HKD200 e-Gift Voucher Offer.
The e-Gift voucher will be sent to the email address mentioned above within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
The e-Gift voucher is only available while stocks last.
Hang Seng Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift of which the value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of Hang Seng Bank and Chubb shall be final.
Hang Seng Bank and Chubb are not the suppliers of the e-Gift voucher and do not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher is solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
Should the policy be cancelled within the first policy year, Hang Seng Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with Hang Seng Bank without giving any prior notice.

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

The promotional offers for selected customers of the Travelsure Protection Plan Annual China Coverage (“Annual China Coverage”) include the Premium Discount Offer and HKD150 e-Gift Voucher Offer (each a “Promotional Offer” and collectively the “Promotional Offers”).
The promotion period of these Promotional Offers is from 16 May 2025 to 30 June 2025 (both days inclusive) (“Promotion Period”).
The Promotional Offers are only applicable to selected customers who have not held, renewed or cancelled any Annual China Coverage, which is distributed by Hang Seng Bank Limited (“Hang Seng Bank”), in the capacity of policyholders in the past 3 months and has/have received the relevant promotion materials from Hang Seng Bank (“Selected Customers”).
Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
Selected Customers should refer to the relevant terms and conditions below for details of the Promotional Offers.
Different Promotional Offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions for relevant Promotional Offers without prior notice to the Selected Customers. In case of any dispute, the decision of Hang Seng Bank and Chubb shall be final.
The Promotional Offers are not applicable to the staff of Hang Seng Bank or its subsidiaries, or those who are eligible for staff offers of Hang Seng Bank.
Unless otherwise specified, these Promotional Offers can be used together, but cannot be used in conjunction with other promotional offers.
No person other than the Selected Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
These terms and conditions are subject to prevailing regulatory requirements.

Terms and Conditions of the Premium Discount Offer:

Subject to these terms and conditions, during the Promotion Period, each Selected Customer can enjoy a 20% first-year premium discount upon successful application of the Annual China Coverage (“Premium Discount Offer”).
The Premium Discount Offer is only available to any Selected Customer who successfully applies for the Annual China Coverage on Chubb’s website via designated link on either the Hang Seng Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking.
If any Selected Customer cancels the Annual China Coverage policy upon successful enrollment, Chubb shall apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Annual China Coverage policy.

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

Subject to these terms and conditions, during the Promotion Period, each Selected Customer can enjoy a HKD150 e-Gift voucher of designated supermarket (“e-Gift voucher”) upon successful application for the Annual China Coverage on Chubb’s website in the capacity of the policyholder via designated link on either the Hang Seng Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking with the premium being settled with the yearly payment method (“HKD150 e-Gift Voucher Offer”).
Each Selected Customer must input a valid promotion code that may be designated by Hang Seng Bank from time to time and provide a valid email address during the application of the Annual China Coverage to enjoy the HKD150 e-Gift Voucher Offer.
The e-Gift voucher will be sent to the email address mentioned above within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
The e-Gift voucher is only available while stocks last.
Hang Seng Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift of which the value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of Hang Seng Bank and Chubb shall be final.
Hang Seng Bank and Chubb are not the suppliers of the e-Gift voucher and do not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher is solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
Should the policy be cancelled within the first policy year, Hang Seng Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with Hang Seng Bank without giving any prior notice.

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

The promotional offers for selected customers of the Home Care Plus Home Insurance Plan include the Premium Discount Offer and HKD400 e-Gift Voucher Offer (each a “Promotional Offer” and collectively the “Promotional Offers”).
The promotion period of these Promotional Offers is from 16 May 2025 to 30 June 2025 (both days inclusive) (“Promotion Period”).
The Promotional Offers are only applicable to selected customers who have not held, renewed or cancelled any Home Care Plus Home Insurance Plan, which is distributed by Hang Seng Bank Limited (“Hang Seng Bank”) (“Designated General Insurance Plan”), in the capacity of policyholders in the past 3 months and has/have received the relevant promotion materials from Hang Seng Bank (“Selected Customers”).
Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder upon application.
Selected Customers should refer to the relevant terms and conditions below for details of the Promotional Offers.
Different Promotional Offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions for relevant Promotional Offers without prior notice to the Selected Customers. In case of any dispute, the decision of Hang Seng Bank and Chubb shall be final.
The Promotional Offers are not applicable to the staff of Hang Seng Bank or its subsidiaries, or those who are eligible for staff offers of Hang Seng Bank.
Unless otherwise specified, these Promotional Offers can be used together, but cannot be used in conjunction with other promotional offers.
No person other than the Selected Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
These terms and conditions are subject to prevailing regulatory requirements.

Terms and Conditions of the Premium Discount Offer:

Subject to these terms and conditions, during the Promotion Period, each Selected Customer can enjoy a 20% first-year premium discount (applicable to both yearly and monthly premium payment method) upon successful application of the Designated General Insurance Plan (“Premium Discount Offer”).
The Premium Discount Offer is only available to any Selected Customer who successfully applies for the Designated General Insurance Plan on Chubb’s website via designated link on either the Hang Seng Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking.

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

Subject to these terms and conditions, during the Promotion Period, each Selected Customer can enjoy a HKD400 e-Gift voucher of designated supermarket (“e-Gift voucher”) upon successful application for the Designated General Insurance Plan on Chubb’s website in the capacity of the policyholder via designated link on ether the Hang Seng Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking with the premium being settled with either the yearly payment method or monthly payment method, with the monthly payment method requiring 7 consecutive months’ premium payment (“HKD400 e-Gift Voucher Offer”).
Each Selected Customer must input a valid promotion code that may be designated by Hang Seng Bank from time to time and provide a valid email address during the application of the Designated General Insurance Plan to enjoy the HKD400 e-Gift Voucher Offer.
For the policy paid by yearly payment method, the e-Gift voucher will be sent to the email address mentioned above within 3 months after the policy has been issued; for the policy paid by monthly payment method, the e-Gift voucher will be sent to the email address mentioned above within 3 months after the Selected Customer has paid 7 consecutive months of premium. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
The e-Gift voucher is only available while stocks last.
Hang Seng Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift of which the value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of Hang Seng Bank and Chubb shall be final.
Hang Seng Bank and Chubb are not the suppliers of the e-Gift voucher and do not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher is solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
Should the policy be cancelled within the first policy year, Hang Seng Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with Hang Seng Bank without giving any prior notice.

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

The promotional offers for selected customers of the Studysure Protection Plan include the Premium Discount Offer and e-Gift Voucher Offer (each a “Promotional Offer” and collectively the “Promotional Offers”).
The promotion period of these Promotional Offers is from 16 May 2025 to 30 June 2025 (both days inclusive) (“Promotion Period”).
The Promotional Offers are only applicable to selected customers who have not held, renewed or cancelled any Studysure Protection Plan, which is distributed by Hang Seng Bank Limited (“Hang Seng Bank”), in the capacity of policyholders in the past 3 months and has/have received the relevant promotion materials from Hang Seng Bank (“Selected Customers”).
Chubb Insurance Hong Kong Limited ("Chubb") has the sole and absolute discretion to decide whether or not to accept an insurance application based on the information provided by the policyholder and/or the insured upon application.
Selected Customers should refer to the relevant terms and conditions below for details of the Promotional Offers.
Different Promotional Offers may be provided for the same insurance plan through different enrollment methods. Hang Seng Bank and Chubb reserve the right to amend or terminate the terms and conditions for relevant Promotional Offers without prior notice to the Selected Customers. In case of any dispute, the decision of Hang Seng Bank and Chubb shall be final.
The Promotional Offers are not applicable to the staff of Hang Seng Bank or its subsidiaries, or those who are eligible for staff offers of Hang Seng Bank.
Unless otherwise specified, these Promotional Offers can be used together, but cannot be used in conjunction with other promotional offers.
No person other than the Selected Customer, Hang Seng Bank (which includes its successors and assigns) and Chubb (which includes its successors and assigns) has any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provision of these terms and conditions.
These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
These terms and conditions are subject to prevailing regulatory requirements.

Terms and Conditions of the Premium Discount Offer:

Subject to these terms and conditions, during the Promotion Period, each Selected Customer can enjoy a 25% first-year premium discount upon successful application of the Studysure Protection Plan (“Premium Discount Offer”).
The Premium Discount Offer is only available to any Selected Customer who successfully applies for the Studysure Protection Plan on Chubb’s website via designated link on either the Hang Seng Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking.
If any Selected Customer cancels the Studysure Protection Plan upon successful enrollment, Chubb shall apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Studysure Protection Plan policy.

Terms and Conditions of the e-Gift Voucher Offer:

Subject to these terms and conditions, during the Promotion Period, upon successful application for the Studysure Protection Plan on Chubb’s website in the capacity of the policyholder via designated link on either the Hang Seng Bank website, Hang Seng Personal Banking mobile app or Hang Seng Personal e-Banking:
- For Essential plan application: each Selected Customer can enjoy a HKD100 designated e-Gift voucher; and
- For Supreme plan application: each Selected Customer can enjoy a HKD500 designated e-Gift voucher (each an “e-Gift voucher”) (“e-Gift Voucher Offer”).
Each Selected Customer must input a valid promotion code that may be designated by Hang Seng Bank from time to time and provide a valid email address during the application of the Studysure Protection Plan to enjoy the e-Gift Voucher Offer.
The e-Gift voucher will be sent to the email address mentioned above within 3 months after the policy has been issued. The policy must remain effective and there must be no outstanding premium under the policy at the time when the e-Gift voucher is sent out. For enquiries, please contact Chubb’s Customer Service Hotline at (+852) 3191 6668 (9:00a.m. to 5:30p.m., Monday to Friday; closed on Saturday, Sunday and public holiday).
The e-Gift voucher is non-exchangeable, non-redeemable and no changes can be made. The e-Gift voucher will not be re-issued if lost or unused after the expiry date.
The e-Gift voucher is only available while stocks last.
Hang Seng Bank and Chubb reserve the right to replace the e-Gift voucher at any time and from time to time without prior notice with another gift of which the value and nature may differ from those of the e-Gift voucher. In case of any dispute, the decision of Hang Seng Bank and Chubb shall be final.
Hang Seng Bank and Chubb are not the suppliers of the e-Gift voucher and do not assume any liability in relation to the e-Gift voucher. The supplier of the e-Gift voucher is solely responsible for all issues related to the e-Gift voucher and the quality and availability of the relevant products and services. Any dispute arising in relation to the e-Gift voucher shall be resolved between the customer and the relevant supplier. For details of how to use the e-Gift voucher, please refer to the relevant terms and conditions from the supplier of the e-Gift voucher.
Should the policy be cancelled within the first policy year, Hang Seng Bank reserves the right to deduct the amount equivalent to the value of the e-Gift voucher from any credit card or bank account of the customer maintained with Hang Seng Bank without giving any prior notice.

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

The above general insurance plan ("this Plan") is underwritten by Chubb which is authorised and regulated in Hong Kong by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank is registered as an insurance agency by the Insurance Authority (Licence No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application of 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.