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Insurance & MPF > Life Insurance > HarvestLife (RMB) Life Insurance Plan
HarvestLife (RMB) Life Insurance Plan
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HarvestLife is a life insurance plan ("The Plan") and is not a bank deposit. It is underwritten by Hang Seng Insurance Company Limited("Hang Seng Insurance"). 

Fuel Your Future Now. The Plan helps you capitalise on the market potential of Renminbi. Over a saving period of 8 years or 10 years, you will enjoy Monthly Income during Income Period to lay the cornerstone for a rosy future.

Remark: Please refer to the product leaflet for detailed terms and conditions and exclusions. And please refer to the Notes on Participating Policy for details of dividend philosophy, investment strategy and historical fulfilment ratio of dividend distribution.

  • Renminbi Policy.
    With the Renminbi as the policy currency, the potential opportunities associated with the Renminbi will be within your grasp. If you have a Renminbi bank account, you can also pay the premiums in Renminbi directly without having to worry about currency conversion restrictions.
  • Monthly Income.
    You only have to pay the premiums for 3 or 5 years and the policy cash value will keep growing well before the commencement of the Income Period, together with policy dividends which are distributed annually. During the Income Period, you can enjoy the Monthly Income every month or select any of the other income withdrawal options to suit your savings goals.
  • Guaranteed Acceptance.
    Application is quick and easy. Subject to compliance with the designated criteria, guaranteed acceptance without any requirement for medical examination, irrespective of your underwriting records, occupation, health and financial conditions.
  • Supplemental Benefits
    Free supplemental benefits:
    • Terminal Illness Benefit
    • Accidental Death Benefit
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

By choosing plans denominated in currencies other than the local currency, you are subject to exchange rate risks. Exchange rates fluctuate from time to time. Upon the currency conversion, you may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of the exchange rate fluctuations. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. The CNY is currently not freely convertible and conversion of CNY may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.

The HavestLife (RMB) Life Insurance 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.