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Insurance & MPF > Life Insurance > Refundable Critical Illness Life Insurance Plan
Refundable Critical Illness Life Insurance Plan
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Everyone wants to be healthy. Yet, illnesses do emerge out of the blue. Refundable Critical Illness Life Insurance Plan offers you the Critical Illness Benefit but also provides you with refundable amount equivalent to 103% of the Total Premium Paid upon the expiry of the 20-year Policy Term if the policy remains in force.

Remark: Please refer to the promotional leaflet for detailed terms and conditions and exclusions.

  • Guaranteed Acceptance
    Only open for enrolment by selected customers, without any requirement for medical proof or medical checkup at all.
  • 103% Premiums Refund upon Policy Maturity
    If the policy remains in force, 103% refund of the total premiums paid is payable upon policy maturity, even if any claim has been made on the Carcinoma-in-situ Benefit.
  • Critical Illness Benefit
    Up to HKD350,000 will be payable as lump sum compensation if the Life Insured is diagnosed, by a registered doctor, with any cancer, heart attack or stroke covered by the Plan.
  • Carcinoma-in-situ Benefit
    Equivalent to 10% of the Critical Illness Benefit, the Carcinoma-in-situ Benefit will be payable as an advance payment, if the Life Insured is diagnosed by a registered doctor with any carcinoma-in-situ covered by the Plan, after the policy has become effective for 90 days.
  • Protection Beyond the Premium Payment Term
    The Insured Person will enjoy protection against critical illness for 20 years upon payment of premiums for only 10 years.

Remark: Please refer to the promotional leaflet 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 Refundable 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.

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.

This Plan is exclusively offered to selected Hang Seng Bank customers only. For details, please call 2998 8080.