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Insurance & MPF > Life Insurance > Refundable Accident Protection Life Insurance Plan
Refundable Accident Protection Life Insurance Plan
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A life without any hiccup is what everybody wants. In the unfortunate event of an accident, you may need to pay a heavy bill for medical and other expenses. This may mess up your financial plan, and may take a toll on your family’s daily life as well. Refundable Accident Protection Life Insurance Plan specially offered to selected customers of Hang Seng Bank, and provides the Life Insured with an accidental protection for 15 years.

In addition, a 100% refund of the total premiums paid is payable upon maturity if the policy remains in force, irrespective of any claim made under the Plan.

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.
  • 100% Premiums Refund upon Policy Maturity
    100% refund of the total premiums paid will be payable upon policy maturity if the policy remains in force, even if any claim has been made on the Accidental Disability and Dismemberment Benefit (provided that the total claim amount is less than 100% of the benefit amount), Accidental Medical Expense Benefit or Accidental Fracture Cash Benefit.
  • Accidental Death, Disability and Dismemberment Benefits
    Up to HKD800,000 will be payable in accordance with the Benefit Schedule, in the unfortunate event of the Insured Person’s death, disability or dismemberment caused by an accident.

    If such accident happens while the Life Insured is riding as a fare paying passenger on any public common carrier, the Accidental Death Benefit or Accidental Disability and Dismemberment Benefit payable will be doubled, subject to a maximum of HKD1,600,000.
  • Double Indemnity Benefit
    If such accident happens while the Life Insured is riding as a fare paying passenger on any public common carrier, the Accidental Death Benefit or Accidental Disability and Dismemberment Benefit payable will be doubled.
  • Accidental Medical Expense and Fracture Cash Benefits
    If the Life Insured sustains any injury due to an accident and requires medically necessary treatments or services, including surgery, x-ray, chiropractic and physiotherapy, the actual expenses paid will be reimbursed under the Plan.
  • Protection Beyond the Premium Payment Term
    The Insured Person will enjoy protection against accidents for 15 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 Accident Protection 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.