Terms and Conditions for the promotion offers of the health insurance schemes under Hang Seng Bupa PreciousHealth Series:

  1. The promotion period is from 1 March 2023 to 31 May 2023, both dates inclusive ( “Promotion Period”).
  2. The health insurance schemes (“Relevant Schemes”) under Hang Seng Bupa PreciousHealth Series includes Essential Health Insurance Scheme (“Essential”), Excel Health Insurance Scheme (“Excel”) and Excel Plus Health Insurance Scheme (“Excel Plus”).
  3. Hang Seng Bank Limited (“Hang Seng Bank”) and Bupa (Asia) Limited (“Bupa”) reserve the right to suspend, vary or terminate the relevant offers and to amend the relevant offers and the relevant terms and conditions at any time without prior notice. The decision of Hang Seng Bank and Bupa on all matters relating to the relevant offers shall be final and binding on all parties concerned. In case of any disputes, the decisions of Hang Seng Bank and Bupa shall be final.
  4. No person other than the customer, Hang Seng Bank (which includes its successors and assigns) and Bupa (which includes its successors and assigns) will have 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.
  5. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  6. These Terms and Conditions are subject to prevailing regulatory requirements.
  7. In the event of any discrepancy in respect of the meaning between the Chinese version and the English version, the English version shall prevail.

Terms and Conditions of the first-year premium discount:

  1. The quotation date of the Relevant Schemes on the application form must fall within the Promotion Period and the relevant policy must be successfully approved and effective on or before 1 July 2023. Hang Seng Bank and Bupa reserve the right to make final decisions on the enrolment in the Relevant Schemes.
  2. During the Promotion Period, New Customers who successfully enrol in the Relevant Schemes in annual premium payment mode via the designated enrolment methods below can enjoy the following first year premium discount:
    Relevant Plans First-year premium discount Designated Enrolment Method(s)
    Essential 10% Hang Seng Bupa Medical Insurance Hotline 2998 9886*
    Excel 10% Hang Seng Bupa Medical Insurance Hotline 2998 9886*
    Excel Plus 10% Hang Seng Bupa Medical Insurance Hotline 2998 9886*
    HKD300 Visit Hang Seng Bank Branches
    * For enquiries and applications relating to the Hang Seng Bupa Health Insurance Schemes, the call will be transferred to a Bupa Health Management Consultant, who will provide you with more comprehensive information.
  3. The first-year premium discount is not applicable to levy. Premium discount is applicable to the total premium of the first year, and is calculated according to the premium after Family discount or Child discount (if applicable).
  4. The amount to which the first-year premium discount applies shall be the amount shown on the application form. The first-year premium discount will be calculated according to the amount shown on the signed application form, regardless of whether the final premium is changed for any reason.
  5. A new customer means an applicant who has not hold any Health Insurance Schemes underwritten by Bupa through any channel in the past 6 months prior to the first date of the Promotion Period (“New Customer”).
  6. The offers are not applicable to anyone who is entitled to staff offers of Hang Seng Bank and staff of Hang Seng Bank and its subsidiaries.
  7. The offers cannot be used in conjunction with other promotion offers.
  8. The offers are not transferable, and cannot be redeemed or exchanged for cash or other discounts.

The health insurance schemes under PreciousHealth Series are products of Bupa but not Hang Seng Bank.

The Relevant Health Insurance Schemes are underwritten by Bupa (Asia) Limited (“Bupa”), which is authorized and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by Bupa for the exclusive distribution of the above schemes. Subscription will be payable to Bupa upon enrolment in the Relevant Schemes. Bupa will provide Hang Seng Bank with the relevant commission and performance bonus in accordance with the selling of the Relevant Schemes. The existing sales staff remuneration policy offered by Hang Seng Bank will take into account various aspects of the staff performance but not solely the sales amount. HealthPro Concierge Service is provided by Bupa. In respect of an eligible dispute arising between the 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 policy terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer.

The above information is a product summary for reference only. Please refer to the contract for detailed coverage, exact Terms and Conditions and exclusions.