eFamilyPro is a term life insurance plan with no savings element underwritten by Hang Seng Insurance Company Limited.

eFamilyPro Life Insurance Plan (the "Plan") is a life insurance plan which can be applied online. Application is easy – simply submit your application online, without the hassle of providing documentation and medical examination. The Plan provides the Life Insured with a lump-sum death benefit up to HKD3 million, apply at a younger age and enjoy lower premiums!

Plan Features
Death Benefit
Upon the unfortunate passing away of the
Life Insured, the
beneficiary(ies) will receive the total Death Benefit
Terminal Illness(1) Benefit
If the Life Insured is certified with a terminal illness(1), a lump sum amount equals to the Death Benefit is paid out in advance
Conversion Privilege
At which the Life Insured’s age is less than 60(2), this Policy may be converted to a new wholelife or endowment policy, without the need of the medical underwriting requirement
Premium is Fixed for First 10 Years and will only be Adjusted Every 10 Years
Premiums as low as HKD2(3) per day, fixed for first 10 years. Upon the policy is effective, it is renewable up to age 80 regardless of the Life Insured’s health status
4 Choices of Sum Insured
There are 4 choices of Sum Insured - HKD500,000, HKD1,000,000, HKD2,000,000 or HKD3,000,000(4)
Online Application without the hassle of Medical Examinations
Online application takes about 5 minutes only without the hassle of providing documentation and medical examinations

For details of the plan features and the relevant product risks, please refer to the product brochure.
For terms and conditions of the plan, please refer to the policy.

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  1. Certified with a medical condition by a registered doctor to be reasonably to result in death of the insured within twelve months
  2. Age at last birthday
  3. Based on an insured sum of HKD1 million of a 25-year-old non-smoking female
  4. The maximum aggregate sum insured that each life insured could apply for eFamilyPro Life Insurance Plan and eCancerPro Insurance Plan is HKD5 million for insured who is aged 50 or below and HKD3 million for insured who is aged above 50

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, 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.