轉至相關條款及細則：

Redirect to related Terms and Conditions:

转至相关条款及细则：


「旅遊綜合保障計劃」全年環球保障特選客戶推廣優惠之條款及細則：

  1. 「旅遊綜合保障計劃」全年環球保障特選客戶推廣優惠包括保費折扣優惠和港幣400元電子購物禮券優惠（「推廣優惠」）。
  2. 推廣優惠之推廣期為2025年9月22日至2025年10月31日（包括首尾兩天）（「推廣期」）。
  3. 本推廣優惠只適用於任何現在及╱或由相關申請日期計過去3個月內未曾以保單持有人身份持有、續保或取消由恒生銀行有限公司（「恒生銀行」）分銷的「旅遊綜合保障計劃」全年環球保障（「指定計劃」）之恒生銀行個人特選客戶（「特選客戶」）。
  4. 安達保險香港有限公司（「安達保險」）有獨有絕對酌情決定權根據保單持有人及／或受保人於投保時所提供之資料而決定是否接受有關投保申請。
  5. 同一保障計劃經不同投保方法可享的推廣優惠或有不同，恒生銀行及安達保險保留修訂或取消有關推廣優惠之條款及細則之權利，恕不另行通知特選客戶。如有任何爭議，恒生銀行及安達保險保留最終決定的權利。
  6. 本推廣優惠不適用於任何恒生銀行及其附屬公司之職員，或任何有資格享有恒生銀行職員優惠之人士。
  7. 除另有註明外，本推廣優惠可同時使用，但不可與其他推廣優惠同時使用。
  8. 除特選客戶、恒生銀行（包括其繼承人及受讓人）及安達保險（包括其繼承人及受讓人）以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。
  9. 本條款及細則受香港特別行政區（「香港」）法律所管轄，並按照香港法律詮釋。
  10. 本條款及細則受現行監管規定約束。

有關保費折扣優惠之條款及細則：

  1. 受本條款及細則所限，特選客戶凡於推廣期內經恒生銀行網頁、恒生銀行個人流動理財服務應用程式或恒生銀行個人e-Banking的指定連結於安達保險網頁成功投保指定計劃，該指定計劃可享保費首年7折優惠（「保費折扣優惠」）。
  2. 若特選客戶取消已成功投保的指定保單，安達保險將根據指定保單之條款的取消部份，按短期保險費率徵收已生效期內之保費。

有關港幣400元電子購物禮券優惠之條款及細則：

  1. 受本條款及細則所限，特選客戶凡滿足以下所有要求，可獲港幣400元超市電子購物禮券（「港幣400元電子購物禮券優惠」）：
    1. 於推廣期內經以下方式成功投保指定計劃：
      1. 以保單持有人身份；及
      2. 經恒生銀行網頁、恒生個人流動理財服務應用程式或恒生個人e-Banking的指定連結於安達保險網頁投保；
    2. 於投保時成功輸入下列資料：
      1. 由恒生銀行或安達保險可能在推廣期期間發出的優惠碼；及
      2. 有效電郵地址；及
    3. 以年繳方式繳付指定計劃保費。
  2. 安達保險將於保單簽發後3個月內將電子購物禮券電郵至上述電郵地址。該保單必須於電子購物禮券發出時仍然生效及已清繳保費，特選客戶方可獲贈電子購物禮券。如欲查詢，請致電安達保險之客戶服務熱線 (+852) 3191 6668（星期一至五，上午9時至下午5時30分；星期六、日及公眾假期休息）。
  3. 特選客戶須確保上述電郵地址為最新及準確無誤。若因特選客戶的電郵地址不正確或電郵未能成功發出以致未能收到電子購物禮券，恒生銀行及安達保險將不再另外補發電子購物禮券，而該名特選客戶將視作放棄電子購物禮券（因恒生銀行及／或安達保險之失誤除外）。
  4. 電子購物禮券不可轉換、不可兌換及不可更改。電子購物禮券如有遺失或到期後未使用，概不補發。
  5. 電子購物禮券數量有限，送完即止。
  6. 恒生銀行及安達保險保留隨時及不時以其他禮品取代電子購物禮券之權利而無須另行通知，而該禮品之價值及種類可能與電子購物禮券不相同。如有爭議，恒生銀行及安達保險保留最終決定的權利。
  7. 恒生銀行及安達保險並非電子購物禮券之供應商，故不會承擔與電子購物禮券有關之任何責任。一切與電子購物禮券及其相關之產品及服務之質素及供應情況，概由電子購物禮券之供應商負責。一切有關電子購物禮券之爭議或投訴，均應由客戶與電子購物禮券之供應商自行解決。有關電子購物禮券之使用詳情，請參閱供應商電子購物禮券之條款及細則。
  8. 若保單在首個保單年度內取消，恒生銀行保留從客戶之任何恒生銀行信用卡或銀行賬戶內扣除相等於已獲贈電子購物禮券之價值的金額的權利，而不會作任何事先通知。

「旅遊綜合保障計劃」全年中國保障特選客戶推廣優惠之條款及細則：

  1. 「旅遊綜合保障計劃」全年中國保障特選客戶推廣優惠包括保費折扣優惠和港幣200元電子購物禮券優惠（「推廣優惠」）。
  2. 推廣優惠之推廣期為2025年9月22日至2025年10月31日（包括首尾兩天）（「推廣期」）。
  3. 本推廣優惠只適用於任何現在及╱或由相關申請日期計過去3個月內未曾以保單持有人身份持有、續保或取消由恒生銀行有限公司（「恒生銀行」）分銷的「旅遊綜合保障計劃」全年中國保障（「指定計劃」）之恒生銀行個人特選客戶（「特選客戶」）。
  4. 安達保險香港有限公司（「安達保險」）有獨有絕對酌情決定權根據保單持有人及／或受保人於投保時所提供之資料而決定是否接受有關投保申請。
  5. 同一保障計劃經不同投保方法可享的推廣優惠或有不同，恒生銀行及安達保險保留修訂或取消有關推廣優惠之條款及細則之權利，恕不另行通知特選客戶。如有任何爭議，恒生銀行及安達保險保留最終決定的權利。
  6. 本推廣優惠不適用於任何恒生銀行及其附屬公司之職員，或任何有資格享有恒生銀行職員優惠之人士。
  7. 除另有註明外，本推廣優惠可同時使用，但不可與其他推廣優惠同時使用。
  8. 除特選客戶、恒生銀行（包括其繼承人及受讓人）及安達保險（包括其繼承人及受讓人）以外，並無其他人士有權按《合約（第三者權利）條例》強制執行本條款及細則的任何條文，或享有本條款及細則的任何條文下的利益。
  9. 本條款及細則受香港特別行政區（「香港」）法律所管轄，並按照香港法律詮釋。
  10. 本條款及細則受現行監管規定約束。

有關保費折扣優惠之條款及細則：

  1. 受本條款及細則所限，特選客戶凡於推廣期內經恒生銀行網頁、恒生銀行個人流動理財服務應用程式或恒生銀行個人e-Banking的指定連結於安達保險網頁成功投保指定計劃，該指定計劃可享保費首年8折優惠（「保費折扣優惠」）。
  2. 若特選客戶取消已成功投保的指定保單，安達保險將根據指定保單之條款的取消部份，按短期保險費率徵收已生效期內之保費。

有關港幣200元電子購物禮券優惠之條款及細則：

  1. 受本條款及細則所限，特選客戶凡滿足以下所有要求，可獲港幣200元超市電子購物禮券（「港幣200元電子購物禮券優惠」）：
    1. 於推廣期內經以下方式成功投保指定計劃：
      1. 以保單持有人身份；及
      2. 經恒生銀行網頁、恒生個人流動理財服務應用程式或恒生個人e-Banking的指定連結於安達保險網頁投保；
    2. 於投保時成功輸入下列資料：
      1. 由恒生銀行或安達保險可能在推廣期期間發出的優惠碼；及
      2. 有效電郵地址；及
    3. 以年繳方式繳付指定計劃保費。
  2. 安達保險將於保單簽發後3個月內將電子購物禮券電郵至上述電郵地址。該保單必須於電子購物禮券發出時仍然生效及已清繳保費，特選客戶方可獲贈電子購物禮券。如欲查詢，請致電安達保險之客戶服務熱線 (+852) 3191 6668（星期一至五，上午9時至下午5時30分；星期六、日及公眾假期休息）。
  3. 特選客戶須確保上述電郵地址為最新及準確無誤。若因特選客戶的電郵地址不正確或電郵未能成功發出以致未能收到電子購物禮券，恒生銀行及安達保險將不再另外補發電子購物禮券，而該名特選客戶將視作放棄電子購物禮券（因恒生銀行及／或安達保險之失誤除外）。
  4. 電子購物禮券不可轉換、不可兌換及不可更改。電子購物禮券如有遺失或到期後未使用，概不補發。
  5. 電子購物禮券數量有限，送完即止。
  6. 恒生銀行及安達保險保留隨時及不時以其他禮品取代電子購物禮券之權利而無須另行通知，而該禮品之價值及種類可能與電子購物禮券不相同。如有爭議，恒生銀行及安達保險保留最終決定的權利。
  7. 恒生銀行及安達保險並非電子購物禮券之供應商，故不會承擔與電子購物禮券有關之任何責任。一切與電子購物禮券及其相關之產品及服務之質素及供應情況，概由電子購物禮券之供應商負責。一切有關電子購物禮券之爭議或投訴，均應由客戶與電子購物禮券之供應商自行解決。有關電子購物禮券之使用詳情，請參閱供應商電子購物禮券之條款及細則。
  8. 若保單在首個保單年度內取消，恒生銀行保留從客戶之任何恒生銀行信用卡或銀行賬戶內扣除相等於已獲贈電子購物禮券之價值的金額的權利，而不會作任何事先通知。

中英文版本如有任何不一致之處，概以英文版本為準。


以上一般保險保障計劃(「本計劃」)由安達保險承保，該承保公司已獲保險業監管局授權在香港經營，並受其監管。安達保險保留最終保單批核權。恒生銀行已於保險業監管局註冊為保險代理機構(牌照號碼: FA3168)及獲安達保險授權分銷本計劃。本計劃為安達保險而非恒生銀行之產品。投保本計劃須向安達保險支付保費，安達保險會向恒生銀行就銷售本計劃提供佣金及業績獎金，而恒生銀行目前所採取之銷售員工花紅制度，已包含員工多方面之表現，並非只著重銷售金額。


對於恒生銀行與客戶之間因銷售過程或處理有關交易而產生的合資格爭議（定義見金融糾紛調解計劃的金融糾紛調解中心的職權範圍），恒生銀行須與客戶進行金融糾紛調解計劃程序；然而，對於有關產品的保單合約條款、核保、理賠及保單服務的任何爭議，應由安達保險與客戶直接解決。


有關適用保障、條款及不保事項，請參閱保單合約。

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

  1. The promotional offers for Selected Customers of the Travelsure Protection Plan Annual Global Coverage include the Premium Discount Offer and the HKD400 e-Gift Voucher Offer (“Promotional Offers”).
  2. The promotion period of the Promotional Offers is from 22 September 2025 to 31 October 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 Travelsure Protection Plan Annual Global Coverage, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the 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 is 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 the Promotional Offers can be used together, but 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 30% first-year premium discount in relation to the Designated Plan ("Premium Discount Offer").
  2. If any Selected Customer cancels the Designated Policy upon successful enrollment, Chubb will apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Designated Policy.

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

  1. Subject to these terms and conditions, each Selected Customer can enjoy a HKD400 supermarket e-Gift voucher upon fulfilling all of the following criteria ("HKD400 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.
  2. The e-Gift voucher will be sent to the email address 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).
  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.

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

  1. The promotional offers for Selected Customers of the Travelsure Protection Plan Annual China Coverage include the Premium Discount Offer and the HKD200 e-Gift Voucher Offer (“Promotional Offers”).
  2. The promotion period of the Promotional Offers is from 22 September 2025 to 31 October 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 Travelsure Protection Plan Annual China Coverage, which is distributed by Hang Seng Bank (“Designated Plan”), in the capacity of the policyholder in the past 3 months from the 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 is 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 the Promotional Offers can be used together, but 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").
  2. If any Selected Customer cancels the Designated Policy upon successful enrollment, Chubb will apply the short period rate to the premium for the period the policy has been in force, according to the Cancellation Clause under the Designated Policy.

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 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.
  2. The e-Gift voucher will be sent to the email address 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).
  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.

「旅游综合保障计划」全年环球保障特选客户推广优惠之条款及细则：

  1. 「旅游综合保障计划」全年环球保障特选客户推广优惠包括保费折扣优惠和港币400元电子购物礼券优惠（「推广优惠」） 。
  2. 推广优惠之推广期为2025年9月22日至2025年10月31日（包括首尾两天）（「推广期」） 。
  3. 本推广优惠只适用于任何现在及╱或由相关申请日期计过去3个月内未曾以保单持有人身份持有、续保或取消由恒生银行有限公司（「恒生银行」）分销的「旅游综合保障计划」全年环球保障（「指定计划」）之恒生银行个人特选客户（「特选客户」） 。
  4. 安达保险香港有限公司（「安达保险」）有独有绝对酌情决定权根据保单持有人及／或受保人于投保时所提供之资料而决定是否接受有关投保申请。
  5. 同一保障计划经不同投保方法可享的推广优惠或有不同，恒生银行及安达保险保留修订或取消有关推广优惠之条款及细则之权利，恕不另行通知特选客户。如有任何争议，恒生银行及安达保险保留最终决定的权利。
  6. 本推广优惠不适用于任何恒生银行及其附属公司之职员，或任何有资格享有恒生银行职员优惠之人士。
  7. 除另有注明外，本推广优惠可同时使用，但不可与其他推广优惠同时使用。
  8. 除特选客户、恒生银行（包括其继承人及受让人）及安达保险（包括其继承人及受让人）以外，并无其他人士有权按《合约（第三者权利）条例》强制执行本条款及细则的任何条文，或享有本条款及细则的任何条文下的利益。
  9. 本条款及细则受香港特别行政区（「香港」）法律所管辖，并按照香港法律诠释。
  10. 本条款及细则受现行监管规定约束。

有关保费折扣优惠之条款及细则：

  1. 受本条款及细则所限，特选客户凡于推广期内经恒生银行网页、恒生银行个人流动理财服务应用程式或恒生银行个人e-Banking的指定连结于安达保险网页成功投保指定计划，该指定计划可享保费首年7折优惠（「保费折扣优惠」） 。
  2. 若特选客户取消已成功投保的指定保单，安达保险将根据指定保单之条款的取消部份，按短期保险费率征收已生效期内之保费。

有关港币400元电子购物礼券优惠之条款及细则：

  1. 受本条款及细则所限，特选客户凡满足以下所有要求，可获港币400元超市电子购物礼券（「港币400元电子购物礼券优惠」） ：
    1. 于推广期内经以下方式成功投保指定计划：
      1. 以保单持有人身份；及
      2. 经恒生银行网页、恒生个人流动理财服务应用程式或恒生个人e-Banking的指定连结于安达保险网页投保；
    2. 于投保时成功输入下列资料：
      1. 由恒生银行或安达保险可能在推广期期间发出的优惠码；及
      2. 有效电邮地址；及
    3. 以年缴方式缴付指定计划保费。
  2. 安达保险将于保单签发后3个月内将电子购物礼券电邮至上述电邮地址。该保单必须于电子购物礼券发出时仍然生效及已清缴保费，特选客户方可获赠电子购物礼券。如欲查询，请致电安达保险之客户服务热线(+852) 3191 6668 （星期一至五，上午9时至下午5时30分；星期六、日及公众假期休息） 。
  3. 特选客户须确保上述电邮地址为最新及准确无误。若因特选客户的电邮地址不正确或电邮未能成功发出以致未能收到电子购物礼券，恒生银行及安达保险将不再另外补发电子购物礼券，而该名特选客户将视作放弃电子购物礼券（因恒生银行及／或安达保险之失误除外） 。
  4. 电子购物礼券不可转换、不可兑换及不可更改。电子购物礼券如有遗失或到期后未使用，概不补发。
  5. 电子购物礼券数量有限，送完即止。
  6. 恒生银行及安达保险保留随时及不时以其他礼品取代电子购物礼券之权利而无须另行通知，而该礼品之价值及种类可能与电子购物礼券不相同。如有争议，恒生银行及安达保险保留最终决定的权利。
  7. 恒生银行及安达保险并非电子购物礼券之供应商，故不会承担与电子购物礼券有关之任何责任。一切与电子购物礼券及其相关之产品及服务之质素及供应情况，概由电子购物礼券之供应商负责。一切有关电子购物礼券之争议或投诉，均应由客户与电子购物礼券之供应商自行解决。有关电子购物礼券之使用详情，请参阅供应商电子购物礼券之条款及细则。
  8. 若保单在首个保单年度内取消，恒生银行保留从客户之任何恒生银行信用卡或银行账户内扣除相等于已获赠电子购物礼券之价值的金额的权利，而不会作任何事先通知。

「旅游综合保障计划」全年中国保障特选客户推广优惠之条款及细则：

  1. 「旅游综合保障计划」全年中国保障特选客户推广优惠包括保费折扣优惠和港币200元电子购物礼券优惠（「推广优惠」） 。
  2. 推广优惠之推广期为2025年9月22日至2025年10月31日（包括首尾两天）（「推广期」） 。
  3. 本推广优惠只适用于任何现在及╱或由相关申请日期计过去3个月内未曾以保单持有人身份持有、续保或取消由恒生银行有限公司（「恒生银行」）分销的「旅游综合保障计划」全年中国保障（「指定计划」）之恒生银行个人特选客户（「特选客户」） 。
  4. 安达保险香港有限公司（「安达保险」）有独有绝对酌情决定权根据保单持有人及／或受保人于投保时所提供之资料而决定是否接受有关投保申请。
  5. 同一保障计划经不同投保方法可享的推广优惠或有不同，恒生银行及安达保险保留修订或取消有关推广优惠之条款及细则之权利，恕不另行通知特选客户。如有任何争议，恒生银行及安达保险保留最终决定的权利。
  6. 本推广优惠不适用于任何恒生银行及其附属公司之职员，或任何有资格享有恒生银行职员优惠之人士。
  7. 除另有注明外，本推广优惠可同时使用，但不可与其他推广优惠同时使用。
  8. 除特选客户、恒生银行（包括其继承人及受让人）及安达保险（包括其继承人及受让人）以外，并无其他人士有权按《合约（第三者权利）条例》强制执行本条款及细则的任何条文，或享有本条款及细则的任何条文下的利益。
  9. 本条款及细则受香港特别行政区（「香港」）法律所管辖，并按照香港法律诠释。
  10. 本条款及细则受现行监管规定约束。

有关保费折扣优惠之条款及细则：

  1. 受本条款及细则所限，特选客户凡于推广期内经恒生银行网页、恒生银行个人流动理财服务应用程式或恒生银行个人e-Banking的指定连结于安达保险网页成功投保指定计划，该指定计划可享保费首年8折优惠（「保费折扣优惠」） 。
  2. 若特选客户取消已成功投保的指定保单，安达保险将根据指定保单之条款的取消部份，按短期保险费率征收已生效期内之保费。

有关港币200元电子购物礼券优惠之条款及细则：

  1. 受本条款及细则所限，特选客户凡满足以下所有要求，可获港币200元超市电子购物礼券（「港币200元电子购物礼券优惠」） ：
    1. 于推广期内经以下方式成功投保指定计划：
      1. 以保单持有人身份；及
      2. 经恒生银行网页、恒生个人流动理财服务应用程式或恒生个人e-Banking的指定连结于安达保险网页投保；
    2. 于投保时成功输入下列资料：
      1. 由恒生银行或安达保险可能在推广期期间发出的优惠码；及
      2. 有效电邮地址；及
    3. 以年缴方式缴付指定计划保费。
  2. 安达保险将于保单签发后3个月内将电子购物礼券电邮至上述电邮地址。该保单必须于电子购物礼券发出时仍然生效及已清缴保费，特选客户方可获赠电子购物礼券。如欲查询，请致电安达保险之客户服务热线(+852) 3191 6668 （星期一至五，上午9时至下午5时30分；星期六、日及公众假期休息） 。
  3. 特选客户须确保上述电邮地址为最新及准确无误。若因特选客户的电邮地址不正确或电邮未能成功发出以致未能收到电子购物礼券，恒生银行及安达保险将不再另外补发电子购物礼券，而该名特选客户将视作放弃电子购物礼券（因恒生银行及／或安达保险之失误除外） 。
  4. 电子购物礼券不可转换、不可兑换及不可更改。电子购物礼券如有遗失或到期后未使用，概不补发。
  5. 电子购物礼券数量有限，送完即止。
  6. 恒生银行及安达保险保留随时及不时以其他礼品取代电子购物礼券之权利而无须另行通知，而该礼品之价值及种类可能与电子购物礼券不相同。如有争议，恒生银行及安达保险保留最终决定的权利。
  7. 恒生银行及安达保险并非电子购物礼券之供应商，故不会承担与电子购物礼券有关之任何责任。一切与电子购物礼券及其相关之产品及服务之质素及供应情况，概由电子购物礼券之供应商负责。一切有关电子购物礼券之争议或投诉，均应由客户与电子购物礼券之供应商自行解决。有关电子购物礼券之使用详情，请参阅供应商电子购物礼券之条款及细则。
  8. 若保单在首个保单年度内取消，恒生银行保留从客户之任何恒生银行信用卡或银行账户内扣除相等于已获赠电子购物礼券之价值的金额的权利，而不会作任何事先通知。

中英文版本如有任何不一致之处，概以英文版本为准。


以上一般保险保障计划( 「本计划」 )由安达保险承保，该承保公司已获保险业监管局授权在香港经营，并受其监管。安达保险保留最终保单批核权。恒生银行已于保险业监管局注册为保险代理机构(牌照号码: FA3168)及获安达保险授权分销本计划。本计划为安达保险而非恒生银行之产品。投保本计划须向安达保险支付保费，安达保险会向恒生银行就销售本计划提供佣金及业绩奖金，而恒生银行目前所采取之销售员工花红制度，已包含员工多方面之表现，并非只着重销售金额。


对于恒生银行与客户之间因销售过程或处理有关交易而产生的合资格争议（定义见金融纠纷调解计划的金融纠纷调解中心的职权范围），恒生银行须与客户进行金融纠纷调解计划程序；然而，对于有关产品的保单合约条款、核保、理赔及保单服务的任何争议，应由安达保险与客户直接解决。


有关适用保障、条款及不保事项，请参阅保单合约。