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Insurance & MPF

Our protection solutions

Discover a suitable protection solution

Find the best-suited plan to meet your protection needs

Hang Seng Bank offers you Qualifying Deferred Annuity Policy (“QDAP”), Voluntary Health Insurance Scheme (“VHIS”) Certified Plan and MPF Tax Deductible Voluntary Contributions (“TVC”) solutions, so you can protect yourself and your family while planning for a better future with up to HKD68,000 tax savings per tax assessment year. 

eIncomePro Deferred Annuity Plan (100% Guaranteed)

This plan is certified as Qualifying Deferred Annuity Policy and a life insurance underwritten by Hang Seng Insurance Company Limited. It offers you Monthly Guaranteed Annuity Income for 10 years and Life Protection with free Accidental Death Benefit. Short premium payment period of 5 years with 4 choices of premium, with monthly premium from HKD3,230. Aggregate maximum tax saving amount for both qualifying deferred annuity premiums and TVC is HKD60,000 per taxpayer per assessment year.
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Voluntary Health Insurance Scheme Series

Our certified VHIS plans, Bupa MyBasic VHIS Plan (Standard plan), Bupa Hero VHIS Plan and Global Prestige VHIS Plan (Flexi plans), are underwritten by Bupa, certified by the Food and Health Bureau and eligible for tax deduction. Tax deduction on qualifying premiums can be claimed up to a limit of HKD8,000 per insured person each year. Pre-existing conditions can be covered subject to underwriting and an additional premium.
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Hang Seng MPF Tax Deductible Voluntary Contributions

You can open a TVC account and make TVC without getting your employer involved. Hang Seng MPF offers flexible ways of contribution to suit your needs, with monthly contribution from HKD300 and lump-sum contribution from HKD1,000, so you can take control of how you invest your money with ease. The aggregate maximum tax saving amount for both qualifying deferred annuity premiums and TVC is HKD60,000 per taxpayer per assessment year.
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If you wish to have a desired retirement life, earlier planning is needed. We offer you various protection solutions, from annuity and wealth accumulation to medical protection, for you to get prepared and enjoy your fruitful rewards.

FortuneLife Deferred Annuity Life Insurance

This plan is a Qualifying Deferred Annuity Policy (QDAP) which provides flexible annuity options with stable Annuity Income - Annual and Special Guaranteed Bonus during the Annuity Period. You may enjoy a tax deduction for the premiums you pay.
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FutureEnrich Life Insurance Plan

It provides up to 10 years of Guaranteed Monthly Income with short payment terms, 3% per annum growth in Guaranteed Monthly Income to counteract the effects of inflation. Guaranteed Monthly Income and non-guaranteed Terminal Dividend are also offered for reaching the savings target
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Bupa Hero VHIS Plan

This plan provides full cover for eligible medical expenses including up to HKD40 million cancer treatments annually, with 4 deductible options. You can lower or remove your deductible without re-underwriting one time at any one of the following ages: 50, 55, 60, 65, 70, 75, 80 or 85, which provides more flexibility for budget planning after retirement.
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Upon starting work, you might put a lot of effort to build your career and become the breadwinner of your family. Therefore, it is important to prepare sufficient life and medical protection for you and your beloved family. We offer diversified protection plans with affordable premiums, to help you balancing expenditure efficiently while enjoying suitable protection with your budget.

EasyRefund 100% Global Hospital Cash Plan (3-Year)

The Plan provides Daily Hospital Cash Benefit and up to 103% refund of Total Premiums Paid upon 3-year policy maturity with no claim ever made to help you prepare for the unforeseen hospitalisation. You can still get full refund even if claims have been made. Extra Hospital Cash Benefit offered as free supplementary benefit with admission to Intensive Care Unit to let you have the medical treatment with ease. Simply apply online, no medical examination needed.
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eFamilyPro Life Insurance Plan

This plan provides nine levels of Sum Insured, from HKD500,000 to HKD 8,000,000 to suit various family needs. Monthly premium is fixed for 10-year terms and will be adjusted every 10 years. It also provides easy online application with simplified underwriting procedures.
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eCancerPro Insurance Plan

This plan provides eight levels of Sum Insured options with death/cancer protection up to age 80. Upon diagnosis of Carcinoma-in-situ or Early Stage Cancer, advanced benefit is payable up to 2 times. A child can share all the benefits of up to HKD 1,500,000 with no additional underwriting and premium required. It also provides easy online application with simplified underwriting procedures.
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Wealth needs to be accumulated gradually. We offer you a series of saving tools, not only to help you effectively grow wealth but provide you with life protection at the same time. So you can achieve your saving goals with ease and less impacted from market volatility.

QuickReward Endowment Life Insurance Plan (1-Year)

This plan provides a Guaranteed Cash Value upon maturity to get quick return and manage wealth effectively. Offering 1-Year short term endowment with various policy currency options.
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5-Year eEndowment Life Insurance Plan

This plan provides a Guaranteed Cash Value upon maturity for reaching saving goals and offers various currency options with a minimum premium of HKD600 per month.
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MaxiPlus Annuity Life Insurance Plan

This plan offers flexible annuity options. You can choose an accumulation period as short as 1 year with 3-year payment term for an Annuity Period up to 30 years. It also provides Annual and Special Guaranteed Bonus during the Annuity Period.
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We should arrange a comprehensive protection for our beloved family in order to avoid unpredictable shocks. We offer several protection solutions to meet family needs, helping you to not only balance your family expenditure but also to fully protect them and you.

eCancerPro Insurance Plan

This plan provides eight levels of Sum Insured options with death/cancer protection up to age 80. Upon diagnosis of Carcinoma-in-situ or Early Stage Cancer, advanced benefit is payable up to 2 times. A child can share all the benefits of up to HKD 1,500,000 with no additional underwriting and premium required. It also provides easy online application with simplified underwriting procedures.
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eFamilyPro Life Insurance Plan

This plan provides nine levels of Sum Insured, from HKD500,000 to HKD 8,000,000 to suit various family needs. Monthly premium is fixed for 10-year terms and will be adjusted every 10 years. It also provides easy online application with simplified underwriting procedures.
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Home Care Plus Home Insurance

This plan protects against damage to household contents caused by acts of God or other covered accidents, covers loss of rent, temporary accommodation, as well as worldwide personal liability. Also as a free upgrade to doubles the maximum benefit of Worldwide All-Risks Cover for Personal Belongings under “Home Care Plus Home Insurance” during the insured journey with a valid policy of the “Travelsure Protection Plan”.
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Everyone would hope to get appropriate treatment for any unfortunate illness, to grasp the best moment for cure. We offer different medical solutions with comprehensive protection to provide you and your family with the most reliable support.

EasyRefund 100% Global Hospital Cash Plan (3-Year)

The Plan provides Daily Hospital Cash Benefit and up to 103% refund of Total Premiums Paid upon 3-year policy maturity with no claim ever made to help you prepare for the unforeseen hospitalisation. You can still get full refund even if claims have been made. Extra Hospital Cash Benefit offered as free supplementary benefit with admission to Intensive Care Unit to let you have the medical treatment with ease. Simply apply online, no medical examination needed.
View details

eCancerPro Insurance Plan

This plan provides eight levels of Sum Insured options with death/cancer protection up to age 80. Upon diagnosis of Carcinoma-in-situ or Early Stage Cancer, advanced benefit is payable up to 2 times. A child can share all the benefits of up to HKD 1,500,000 with no additional underwriting and premium required. It also provides easy online application with simplified underwriting procedures.
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Voluntary Health Insurance Scheme Series

Our certified VHIS plans, Bupa MyBasic VHIS Plan (Standard plan), Bupa Hero VHIS Plan and Global Prestige VHIS Plan (Flexi plans), are certified by the government and eligible for tax deduction. You can choose from a range of annual benefit limits up to HKD40 million to prepare for your medical needs and give you peace of mind.
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Regardless of traveling overseas for business or pleasure, a well-prepared plan, including personal and your belongings protection, is necessary. We provide you with diversified protection solutions so you can feel at ease and enjoy every trip.

Travelsure Protection Plan

This plan provides a comprehensive travel protection plan. Insured age has no upper limit and incurs no additional premium for Single Trip Plan. Family plan covers 2 parents and their underage child(ren) with only 2 individual premiums for Annual Global and Annual China Plan.
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Home Care Plus Home Insurance Plan

This plan protects against damage to household contents caused by acts of God or other covered accidents, covers loss of rent, temporary accommodation, as well as worldwide personal liability. Also as a free upgrade to doubles the maximum benefit of Worldwide All-Risks Cover for Personal Belongings under “Home Care Plus Home Insurance” during the insured journey with a valid policy of the "Travelsure Protection Plan”.
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Personal Accident Insurance Plan

It provides maximum limit of HKD2,000,000 global coverage against death or permanent total disablement and all-inclusive shield against personal accidents, covering death or permanent total disablement caused by accidents, as well as accidental medical expenses, including Chinese bonesetting.
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Featured products

5-Year eEndowment Life Insurance Plan

  • Provides a Guaranteed Cash Value upon maturity for reaching saving goals
  • Various currency options with a minimum premium of HKD600 per month        
Apply now
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Terms and conditions apply, please note the relevant product risks. 5-Year eEndowment Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited.

eFamilyPro Life Insurance Plan

  • Nine levels of Sum Insured, from HKD500,000 to HKD8,000,000 to suit various family needs
  • Monthly premium is fixed for 10-year terms and will be adjusted every 10 years
Apply now
View details
Terms and conditions apply, please note the relevant product risks. eFamilyPro Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited.

Call us

Life Insurance

(852) 2198 7838

Service hours:

Mon to Fri: 9:00am to 5:30pm

Sat: 9:00am to 1:00pm

Closed on Sunday and Public Holidays

General Insurance

(852) 2998 9888

Service hours:

24 hours, enquiry only

Medical Insurance

(852) 2998 9886

Service hours:

Mon to Fri: 9:00am to 7:00pm

Sat: 9:00am to 1:00pm

Closed on Sunday and Public Holidays

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Footnote

Other point(s) to note

  1. Hang Seng Bank Limited shall have the right in accordance with the related guideline from regulators and relevant regulations to reject all insurance applications accepted retrospectively and to cease acting as agent of that policy accordingly.
  2. QBE General Insurance (Hong Kong) Limited shall have the right in accordance with the related guideline from regulators and relevant regulations to cancel all insurance applications of the concerned customers and / or to cancel the all insurance applications accepted retrospectively and no claim shall be paid arising from such policies concerned.
  3. All General Insurance products except Travelsure
    1. Hang Seng Bank Limited as agent shall not accept insurance application(s) from customer(s) with correspondence or residential address(es) in Japan.
    2. Hang Seng Bank Limited as agent shall accept insurance application(s) from customer with Japanese nationality only if the policy holder self-declares whom does not maintain any residential or correspondence address in Japan.
  4. For HomeCare, Household, Fire and Property All Risk Products:
  5. Hang Seng Bank Limited as agent shall not accept insurance application(s) where the insured property is in Japan.

Remarks