Terms and Conditions for the Promotional Offer of Home Care Plus Home Insurance Plan:

  1. The promotional offers of the Home Care Plus Home Insurance Plan include the Premium Discount Offer and the HKD200 e-Gift Voucher Offer (“Promotional Offers”).
  2. The promotion period of these Promotional Offers is from 1 July 2025 to 30 September 2025 (both days inclusive) (“Promotion Period”).
  3. Each of the Promotional Offers is only applicable to any individual customer of Hang Seng Bank Limited (“Hang Seng Bank”) who has not held, renewed or cancelled any Home Care Plus Home Insurance Plan, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the application date of the relevant application (“Selected Customer”).
  4. 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.
  5. 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 of any of the Promotional Offers without prior notice to any customer. In case of any dispute, the decision of Hang Seng Bank and Chubb shall be final.
  6. Each of the Promotional Offers is not applicable to any staff of Hang Seng Bank or its subsidiaries, or any person who is eligible for any staff offer of Hang Seng Bank.
  7. Unless otherwise specified, each of these Promotional Offers cannot be used in conjunction with any other promotional offer.
  8. 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.
  9. These terms and conditions are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (“Hong Kong”).
  10. These terms and conditions are subject to prevailing regulatory requirements.

Terms and Conditions of the Premium Discount Offer:

  1. Subject to these terms and conditions, each Selected Customer who successfully applies for the Designated Plan on Chubb’s website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking during the Promotion Period can enjoy a 20% first-year premium discount in relation to the Designated Plan (“Premium Discount Offer”).

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

  1. Subject to these terms and conditions, each Selected Customer can enjoy a HKD200 supermarket e-Gift voucher (“e-Gift voucher”) upon fulfilling all of the following criteria (“HKD200 e-Gift Voucher Offer”):
    1. Successfully applying for the Designated Plan during the Promotion Period:
      1. In the capacity of the policyholder; and
      2. On Chubb’s website via the designated link at either the Hang Seng Bank website, Hang Seng Bank Personal Banking mobile app or Hang Seng Bank Personal e-Banking;
    2. Successfully inputting the following items in the application:
      1. The promotion code as may be provided by Hang Seng Bank or Chubb during the Promotion Period; and
      2. A valid email address; and
    3. Settling the premium of the Designated Plan with yearly payment method or monthly payment method (monthly payment method requires 7 consecutive months premium payment).
  2. For the policy paid by yearly payment method, the e-Gift voucher will be sent to the email address 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 provided within 3 months after the customer has paid the premium for 7 consecutive months. 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).
  3. Each Selected Customer must ensure that the email address is accurate and up to date. If the e-Gift voucher is not received by a Selected Customer because the Selected Customer’s email address is incorrect or the email is unsuccessfully delivered (except due to any fault or mistake of Hang Seng Bank and/or Chubb), Hang Seng Bank and Chubb will not reissue the e-Gift voucher, and the Selected Customer is deemed to have forfeited the e-Gift voucher.
  4. 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.
  5. The e-Gift voucher is only available while stocks last.
  6. 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 whose 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 is final.
  7. 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.
  8. If the policy is 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 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.