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Insurance & MPF > Life Insurance > 10-Year Renewable Term Plan
10-Year Renewable Term Plan


Guaranteed Renewal for Hassle-Free Protection. 10-Year Renewable Term Plan provides you and your family with comprehensive life insurance protection.

Remark: Please refer to the product brochure for detailed terms and conditions and exclusions.

  • Diversified Protection
    High coverage is offered by the Plan at an affordable premium. In the unfortunate event of death of the Life Insured, compensation will be payable in cash to provide immediate support.
  • Guaranteed Renewable
    The Plan is guaranteed renewable at the end of each 10-year term before the Insurance Age of 60, irrespective of the health conditions of the Life Insured.
  • Fixed Premium for More Budget Certainty
    The premium will be fixed during the 10-year term to give you more budget certainty. At the time of renewal, the premium will be re-determined based on the Insurance Age of the Life Insured and other underwriting criteria.
  • Supplemental Benefits
    Free supplemental benefits:
    • Waiver of Premium on Disability Benefit
    Optional supplemental benefits:
    • Accidental Death and Dismemberment Benefit

Remark: Please refer to the product brochure for detailed terms and conditions and exclusions.

Hotline Information
Application Hotline:
  • Life Insurance: (852) 2198 7838
  • Refundable Life Insurance: (852) 2998 8080
  • General Insurance: (852) 2998 9888
  • Medical Insurance (Bupa): (852) 2998 9886

Policy Enquiry Hotline:
  • Life Insurance: (852) 2596 6262
  • Travelsure, Home Care & other General Insurance (QBE): (852) 2828 3138
  • Medical Insurance (Bupa - Essential): (852) 2517 5588
  • Medical Insurance (Bupa - Excel / Global Supreme): (852) 2517 5688
Important Notes

The 10-Year Renewable Term Plan is underwritten by Hang Seng Insurance Company Limited, which is authorised 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 product is a product of Hang Seng Insurance Company Limited, 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.

The above information is intended as a general summary of information only. Please refer to the actual policy for the exact terms, conditions and exclusions of the Plan.

You understand that this Plan is underwritten by Hang Seng Insurance Company Limited. You have to pay premium to Hang Seng Insurance Company Limited for your application for this Plan. The premium includes various fees and charges such as insurance cost (e.g. cost of death benefit determined formulated according to the mortality rate that is affected by sex and age of the insured person) and policy administration charges, etc. You also understand that Hang Seng Insurance Company Limited will pay commissions and sales incentives to “Hang Seng Bank” for marketing this Plan. The current remuneration system that “Hang Seng Bank” adopts is a measurement of the staff’s overall performance instead of focusing on sales production only.