Note:

1. Psychologist means a practitioner of clinical psychology duly registered at the place where he or she renders psychotherapy or counselling services but excluding one who is the Insured, the Insured Person, or the Partner or relative or the employer of the Insured / Insured Person. In the event of a claim being made or arising under this Policy, please note the impact on the 30% No Claim Premium Refund Benefit. Other terms, conditions and exclusions are subject to the Personal Accident Policy wording.
2. Based on Family Plan A (yearly payment) with a family of 4, first year premium discount is included.
3. Based on calculation of yearly payment mode, which consists of 15% premium discount and one month premium waiver.
4. The Proposer and Spouse must be aged 18 or above but under 60.
5. “Proposer and All Children" refers to Proposer, and dependant unmarried children aged 6 months to 21 years old and to 23 years old if they are full-time students.
6. "Proposer and Family" refers to Proposer, his/her spouse and dependant unmarried children aged 6 months to 21 years old and to 23 years old if they are full-time students.
7. Coverage and benefit amount of Proposer's spouse are the same as the Proposer's. Death, disablement, medical benefit amount for each child is half of the Proposer's benefit amount, or up to HKD100,000, whichever is lower.

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In the event of any discrepancy or inconsistency between the English version and the Chinese version of the above information, the English version shall apply and prevail.

The above is intended as a general summary of information for reference only. Please refer to the English version of the policy for the plan coverage, exact terms and conditions and exclusions.

The above general insurance plan (“Plan”) is underwritten by QBE General Insurance (Hong Kong) Limited which is authorised and regulated in Hong Kong by the Insurance Authority. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited for the distribution of this Plan. Premiums will be payable to QBE General Insurance (Hong Kong) Limited upon application of this Plan. QBE General Insurance (Hong Kong) Limited would provide Hang Seng Bank 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 arising between the Hang Seng Bank Limited and the customer out of the selling process or processing of the related transaction, Hang Seng Bank Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between QBE General Insurance (Hong Kong) Limited and the customer.