Protection

Apply Now! Open a Preferred Banking account with relevant transactions to enjoy fabulous welcome offer. Please note that investment involves risks. Terms and conditions apply. You can refer to our branch staff or call our 24-hour Preferred Banking Manned hotline 2822 8228 for details.

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Wealth

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Get access to the latest health insurance promotions and get insured with just a few clicks.

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Daily Banking

Go online and manage your bill payments, money transfers, credit cards and more with ease.

- Life Insurance
- - A comprehensive selection of products¹ to suit every stage of your life:
    
    Wealth Accumulation
    
    Education
    
    Retirement
    
    Life Protection
    
    Medical and Critical Illness
  - Visit our branches and understand the insurance solutions suitable for you through a Needs Analysis.
- Medical Insurance
- - Partnering with renowned international healthcare specialist, Bupa (Asia) Limited (‘Bupa’), we offer comprehensive medical protection² with these special features:
    
    Full coverage for hospitalization and surgical expenses and additional family benefit
    
    Access to Bupa’s HealthPro Concierge Service³ offering you professional 7x24 healthcare support and assistance at all times.
    
    Cashless treatment at all private hospitals and Bupa appointed clinics in Hong Kong via Bupa medical card
    
    Hang Sang Bupa Card offers you preferential privileges at participating wellness merchants and Quality Healthcare
  - Click here to see our medical product suite.
- General Insurance
- - A host of comprehensive personal general insurance plans⁴ to protect you, your family and your hard-earned assets.
    
    Travel Insurance
    
    Home Care Plus Home Insurance
    
    Personal Accident Insurance
    
    Domestic Helper insurance
  - Simply apply online or call our Customer Service Hotline.

Join Now

Starting from 1 August 2019, there is no below balance fee for Preferred Banking. Enjoy all the privileges and services offered by Preferred Banking for free by simply maintaining a Total Relationship Balance of HKD200,000 or hold the below products:

Product Holdings Required	Total Relationship Balance⁵ Requirement
Life Insurance plan⁶ / Investment account with holding⁷ / Auto-payroll service through Preferred Banking Account⁸	HKD20,000
Mortgage-Link Loan Scheme⁹	HKD50,000

New Customer

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Existing Customer

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- Notes
- - (1)The life insurance plans are underwritten by Hang Seng Insurance Company Limited which is authorised and regulated by the Commissioner of Insurance of the HKSAR. Hang Seng Bank Limited ("the Bank") is an insurance agent authorised by Hang Seng Insurance Company Limited.
  - (2)This scheme is underwritten by Bupa which is authorised and regulated by the Commissioner of Insurance of the HKSAR. Hang Seng Bank Limited (‘Hang Seng Bank’) is an insurance agent authorised by Bupa for the exclusive distribution of this scheme. Subscription will be payable to Bupa upon enrolment of this scheme. Bupa would provide Hang Seng Bank the relevant commission and performance bonus in accordance to the selling of this scheme. The existing sales staff remuneration policy offered by Hang Seng Bank would take into account various aspects of the staff performance but not solely on the sales amount. HealthPro Concierge Service is provided by Bupa.
    
    In respect of an eligible dispute arising between the Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer.
  - (3)The HealthPro Concierge Service does not apply to Essential Health Insurance Scheme.
  - (4)The above general insurance plan (“Plan”) is underwritten by QBE General Insurance (Hong Kong) Limited which is authorised and regulated by the Commissioner of Insurance of the HKSAR. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited for the distribution of this Plan. Premiums will be payable to QBE General Insurance (Hong Kong) Limited upon application of this Plan. QBE General Insurance (Hong Kong) Limited would provide Hang Seng Bank commission and performance bonus accordingly in respect of the selling of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
    
    In respect of an eligible dispute arising between the Hang Seng Bank Limited and the customer out of the selling process or processing of the related transaction, Hang Seng Bank Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly QBE General Insurance (Hong Kong) Limited and the customer.
  - (5)The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilised overdraft facilities, credit card cash advances, outstanding balance of personal loans and the accumulated premiums paid for the designated life insurance plans distributed by the Bank as an agent as well as Hang Seng MPF balance for the customers. For sole-named Integrated Account holders, their other joint-named account(s) will also be included.
  - (6)The designated life insurance plan must still be valid at each month end. For joint-named Preferred Banking Account, each account holder must hold a valid life insurance plan.
  - (7)Holdings (include designated Securities or Investment Fund) in the subsidiary Investment Account of Preferred Banking must be transacted at or before month end, and deposited to the account for not less than one day.
  - (8)As a valid Auto-payroll account, Integrated Account of Preferred Banking must have Auto-payroll transactions for at least two months within the three continuous months' period.
  - (9)Customers must have a designated HKD savings account, a sub-account under the Preferred Banking Account, is used as the mortgage repayment account under the “HKD Mortgage-Link Loan Scheme” or the “RMB/HKD Mortgage-Link Loan Scheme” to which the preferential interest shall accrue and with the Total Relationship Balance (“TRB”) not less than the designated amount.