1. Please click here for the Terms and Conditions for eCancerPro Insurance Plan Eight-month Premium Waiver Offer in the first policy year.
2. Please click here for the Terms and Conditions for eFamilyPro Life Insurance Plan Eight-month Premium Waiver Offer in the first policy year.
3. Please click here for the terms and conditions for the 15X Cash Dollars Rebate / yuu Points.
4. The actual time required maybe affected by various factors, including the environment, network, device, etc.
5. Calculation of the premium is based on a 25-year-old male non-smoker with a Sum Insured of HKD500,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
6. The maximum aggregate sum insured that each life insured could apply for eFamilyPro Life Insurance Plan and eCancerPro Insurance Plan is HKD8,000,000 for insured who is aged 50 or below and HKD 3,500,000 for insured who is aged above 50.
7. Age at last birthday.
8. yuu Points only applicable to enJoy Cards. Terms and Conditions apply. To borrow or not to borrow? Borrow only if you can repay!
9. For the definition of Cancer, Carcinoma-in-situ and Early Stage Cancer, and the exclusions of the Plan, please refer to the policy provision which shall be considered as final.
10. Calculation of the premium is based on a 25-year-old male non-smoker with a Sum Insured of HKD100,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
11. eIncomePro is certified by the Insurance Authority ("IA") as a Qualifying Deferred Annuity Policy ("QDAP"). However, the IA certification is not a recommendation or endorsement of the policy nor does it guarantee the commercial merits of the policy or its performance. It does not mean the policy is suitable for all policyholders nor is it an endorsement of its suitability for any particular policyholder or class of policyholders. The policy has been certified by the IA but such certification does not imply official recommendation. The IA does not take any responsibility for the contents of the product brochure of the policy, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the product brochure of the policy. The QDAP status of this product does not necessarily mean you are eligible for tax deduction available for QDAP premiums paid. This product’s QDAP status is based on the features of the product as well as certification by the IA and not the facts of your own situation. You must also meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of the HKSAR before you can claim these tax deductions. Any general tax information provided is for your reference only, and you should not make any tax-related decisions based on such information alone. Please note that only the premium paid net of any marketing offers (e.g. discount, premium waiver, etc.) might be eligible for tax concession and the actual tax benefits of this Policy depend on your personal tax position (e.g. salaries income and assessable profits) and you should always consult a professional tax advisor if you have any doubts. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We have no responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to QDAPs may be found at wwwiaorghk.
12. Monthly Guaranteed Annuity Income is payable on each monthiversary starting from the commencement date of the Annuity Period⁽¹³⁾. The Monthly Guaranteed Annuity Income will be directly deposited into the designated Hang Seng Bank saving account.
13. Annuity Period refers to the period during which Monthly Guaranteed Annuity Income is payable. The Annuity Period of "eIncomePro" is 10 years.
14. IRR depends on your chosen accumulation period and payment mode.
15. Assumptions:
    • You are a Hong Kong taxpayer having income chargeable to tax;
    • Qualifying deferred annuity premiums of HKD60,000 are paid by you in a tax assessment year;
    • You do not have any other tax deductible MPF voluntary contributions account during the tax assessment year;
    • The maximum total tax deductions for qualifying deferred annuity premiums and tax deductible MPF voluntary contributions for each taxpayer for the applicable tax assessment year is HKD60,000;
    • The highest rate of the progressive tax rate applicable to the taxpayer is 17%
16. The description of "Insurance Plan with (the) Shortest Maturity in Town" is based on comparison of Policy term of similar life insurance plans publicly offered to individual customers by life insurance companies in Hong Kong as of 24 August 2022.
17. This is a rate of Guaranteed Cash Value upon maturity of RMB plan. Terms and conditions apply. Limited Quota.
18. The calculation of the annualized guaranteed rate of return is based on premium discount and your selected on premium option. This amount is for reference only and levy is not included.
19. QuickReward offers limited quota. Each policyholder can only hold up to 1 policy of with plan currency of either HKD or USD. “Hang Seng Insurance” reserves the right to stop online applications of the Plan without prior notice and the right to accept or decline any applications for the Plan based on the information provided by the Life Insured and / or Policyholder during online enrollment.
20. You may apply online for more than 1 Hang Seng Insurance’s QuickReward Endowment Life Insurance Plan (1-Year) policy with RMB premium option. Yet QuickReward offers limited quota and if you would like to apply for more than 1 QuickReward Endowment Life Insurance Plan (1-Year) policy with RMB premium option, please note that your total premium paid for all life insurance plans in Hang Seng Insurance cannot exceed RMB11,000,000.
21. In the unfortunate event of the death of the Life Insured while the Policy is in force, the beneficiary(ies) will receive a lump-sum payment of Death Benefit equals to 101% of the Total Premium Paid for the Basic Plan as at the date of the death of the Life Insured.
22. In the unfortunate event of the accidental death of the Life Insured before the end of the policy term, in addition to the above Death Benefit, the beneficiary(ies) will receive the Accidental Death Benefit, which equals to 10% of the Total Premium Paid under the Basic Plan.
23. The promotion period is from 1 January 2023 to 31 March 2023. Please click here for the Terms and Conditions for the Reward of an e-Gift Voucher for Hang Seng Olive Members upon successful application for the QuickReward Endownment Life Insurance Plan (1 Year). This offer is only available to customers who complete a successful application via the Hang Seng Bank website and have already downloaded the Hang Seng Olive Wellness App (the updated version is required for customers to enjoy the e-Gift Voucher).
24. This is the return rate in RMB annual payment mode with first year premium discount included.
25. 5-Year eEndowment Life Insurance Plan (Online Version) (the "Plan") is limited offer only. "Hang Seng Insurance" reserves the right to stop online applications for the Plan without prior notice. "Hang Seng Insurance" reserves the right to accept or decline any application for the Plan based on the information provided by the Life Insured and / or Policyholder during online enrolment.
26. Calculation of the premium is based on a 35-year-old female non-smoker with a Sum Insured of HKD5,000,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
27. Calculation of the premium is based on a 35-year-old female non-smoker with a Sum Insured of HKD1,000,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.
28. The promotion period is from 1 January 2023 to 31 March 2023. Please click here for the Terms and Conditions of Deliveroo e-Gift Voucher Reward for Hang Seng Olive Membership Upgrade.
29. Such Hospital Confinement has to be certified by a Registered Doctor to be Medically Necessary. “Medically Necessary” means medical services and Hospital Confinement which are necessary for the care or treatment of the Bodily Injury, Sickness, Disease or Illness and which are: (i) consistent with the diagnosis and customary medical treatment for medical condition; and (ii) in accordance with good and prudent medical practice; and (iii) not for the convenience of the Policyholder, the Life Insured or any individual who cares for him or any individual who is part of his family.
30. A Sickness, Disease or Illness occurring at least 30 days after the Policy Date or effective date of reinstatement of the Policy, whichever is later.
31. The Policyholder will be entitled to a refund of 103% of Total Premiums Paid (for policy with annual payment mode) while the Policy must be still in force upon the Benefit Cessation Date of Basic Plan, and no benefit have been paid or become payable under any Supplementary Benefits⁽³⁴⁾. Other cases please refer to EasyRefund 100% Global Hospital Cash Plan (3-Year) at-a-Glance Summary.
32. Supplementary Benefits include Daily Hospital Cash Benefit, Extra Hospital Cash Benefit, and Accidental Death Benefit.
33. Please click here for the Terms and Conditions of the Free Wellness Service Offer upon successful application for the EasyRefund 100% Global Hospital Cash Plan (3-Year).
34. During the whole Policy Term of the Plan, this benefit will be paid up to 300 days for all Hospital Confinements per policy, with limit at 100 days per policy year. The benefit of Daily Hospital Cash Benefit will be terminated automatically upon the payment of 300 days of the Daily Hospital Cash Benefit. If in the case where the Hospital Confinement⁽³⁷⁾ occurs in a place other than listed as a Benefit Area⁽³⁶⁾, the Daily Hospital Cash Benefit will be limited to 50% of the protection amount and the benefit will only be paid up to 30 days for Hospital Confinement per policy.
35. The Extra Hospital Cash Benefit, up to 60 days during the whole Policy Term, shall be paid.  The Extra Hospital Cash Benefit will immediately and automatically cease once (i) Hang Seng Insurance has paid Extra Hospital Cash Benefit for 60 days; or (ii) Hang Seng Insurance has paid Daily Hospital Cash Benefit for 300 days (whichever is earlier).  If in the case where the Hospital Confinement⁽³⁷⁾ occurs in a place other than listed as a Benefit Area⁽³⁶⁾, the Extra Hospital Cash Benefit will be limited to 50% of the protection amount and the benefit will only be paid up to 30 days for Hospital Confinement per policy.
36. “Benefit Area” means the following places: Hong Kong SAR, Macau SAR, Taiwan, Singapore, Malaysia, Thailand, Japan, South Korea, Canada, United States of America, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom, Australia, New Zealand.
37. If the Hospital Confinement occurs in mainland China (excluding the Hong Kong SAR, the Macau SAR and Taiwan), Hang Seng Insurance will only pay Daily Hospital Cash Benefit under this policy if the medical services are provided in the hospitals that are formally assessed and rated by the National Health Commission of the People's Republic of China or local governments’ health commissions of the People's Republic of China as a “Class III Grade A” hospital or above.

Information Disclosure
The above information is intended as a general summary of information and is for reference only. Please refer to the relevant leaflet or factsheet for exact contents, product risk, credit risk, terms, conditions and exclusions of the relevant Life Insurance Plan, and the policy of the relevant Life Insurance Plan shall be considered as final.

The above Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorized and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorised by Hang Seng Insurance Company Limited and the insurance products are products of Hang Seng Insurance Company Limited but not Hang Seng Bank. 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 you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly.

If you surrender the Policy after the expiry of the cooling-off period, the surrender proceeds to be received may be significantly less than the Total Premiums Paid. Please refer to the illustration summary of this Plan for the projected surrender values. All details regarding policy surrender should be referred to the relevant policy provisions.