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Insurance & MPF > Life Insurance > PreciousLife Critical Illness Life Insurance Plan
PreciousLife Critical Illness Life Insurance Plan
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Protecting your beloved family must be something always on your mind. PreciousLife Critical Illness Life Insurance Plan protects you against 128 critical illnesses at different stages, for you and your family to enjoy comprehensive critical illness and life protection.

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.

  • Diversified Protection Against Severe Illnesses
    The Plan protects you against 128 illnesses (including 60 Critical Illnesses, 56 Early Stage Critical Illnesses and 12 Severe Child Illnesses), covering all three major severe diseases, i.e. cancer, heart attack and stroke, as well as common elderly diseases such as Parkinson’s disease and Alzheimer’s disease.
  • Enjoy Life Protection for Total Peace of Mind
    The Plan has also built in life protection. In the unfortunate event of the death of the Life Insured when the policy is in force, the beneficiary(ies) will be paid a Death Benefit. Such financial assistance can help alleviate the immediate influence on the family’s livelihood.
  • Protection and Savings All-in-One
    Payment Term Protection Period Life Insured’s Insurance Age at the time of enrolment
    5 years, 10 years, 15 years or 20 years Up to the Insurance Age of 99 90 days to age 65
    The annual projected policy dividends, when distributed, can be, at the choice of the Life Insured, either withdrawn in cash or retained in the policy to accumulate with interest. Moreover, the Cash Value at maturity will be payable at the end of the policy term. Hence, in addition to offering medical protection against severe illnesses, the Plan can also serve as a long-term family fund.
  • Simplified Application Procedures
    Application is simple and easy. Upon fulfilling the designated criteria, you can enjoy application without any requirement for medical examination. Applicants from the Mainland China will not be subject to any extra loading on the premium in the basis of nationality.
  • Supplemental Benefits
    Optional supplemental benefits:
    • Unemployment Benefit
    • Waiver of Premium on Disability Benefit
    • Payor’s 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

The PreciousLife Critical Illness 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.

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.