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

Gear You Up to Move Forward With Peace of Mind. The Plan allows you to enjoy life insurance protection along with fixed premium payments until the Life Insured's Insurance Age of 99. Even when encountered with unexpected changes in life, your loved ones will continue to benefit from steady financial support, as well as sufficient protection of their livelihood.

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.

  • Lifelong Comprehensive Coverage
    The Plan provides you and your family with reliable and comprehensive life protection. The flexibility is on your side to fix the Sum Insured based on your personal needs.
  • Various Choices for the Payment Term
    A variety of choices is available to suit your needs for more financial flexibility.
    Payment Term Life Insured’s Insurance Age at Enrolment^
    5 years 0 – 64 years old
    10 years 0 – 59 years old
    25 years 0 – 54 years old
    ^Insurance Age means, at any date, the age of the Life Insured or Policyholder (if applicable) on the most recent birthday prior to the Policy Date plus the number of completed Policy Years. If the Life Insured's or Policyholder's (if applicable) birthday is on the Policy Date, it will be calculated based on the age on such Policy Date.
  • Policy Dividends at Your Disposal
    During the policy term, you will receive projected policy dividends on each Policy Anniversary. It is your choice to withdraw the accumulated policy dividends to pay off the premium for the remaining payment term, or in cash, or to take up Paid-up Additions for enhancing protection.
  • Fixed Premium for Easy Planning
    From the start to the end of the payment term, the premiums will remain unchanged, allowing you to have better control of your financial planning.
  • Supplemental Benefits
    Optional supplemental benefits to suit your needs:
    • Accidental Death and Dismemberment Benefit
    • Major Illness PLUS Benefit
    • Renewable Term Life 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 Treasure Life II 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.