eCancerPro Insurance Plan

Please note the relevant product risks. The above life insurance plan is underwritten by Hang Seng Insurance Company Limited.

Plan overview

eCancerPro Insurance Plan is a term life insurance plan with no savings element underwritten by Hang Seng Insurance Company Limited. It provides the Life Insured with a lump-sum cancer benefit up to HKD5,000,000, which can be used to obtain timely cancer treatment and cover other expenses when unfortunate strikes. Application is easy - simply submit your application online, and with no hassle of medical examinations or documentation. Apply at a younger age and enjoy lower premiums.

Only 3 simple steps to apply online – Quote > Apply > Payment

Key features

If the Life Insured is diagnosed with Carcinoma-in-situ or Early Stage Cancer, we will pay an advanced benefit equivalent to 20% of the Sum Insured, enabling protection for receiving timely cancer treatment to ensure  speedy recovery. A maximum of two claims under different organs will be paid under the Plan.

If the Life Insured is diagnosed with cancer, a lump-sum benefit equal to the total or remaining balance of the Sum Insured will be paid under the Cancer Benefit, helping you cover hospital and cancer treatment expenses. Alternatively, upon the unfortunate passing away of the Life Insured, the beneficiary(ies) will receive the total or remaining balance of the Sum Insured as a Death Benefit instead, helping them through the difficult times.

Life Insured of eCancerPro Insurance Plan can share all benefits, including  the cancer protection of his/her eCancerPro plan with one child under age of 18, who can enjoy a coverage of up to HKD1,500,000 (Child Benefit). This benefit does not require additional underwriting and premiums. No waiting period and survival period are applied in this cancer insurance plan.

There are no waiting period or survival period for the cancer protection. The coverage is effective immediately after your application is approved. The Life Insured is eligible to submit a claim once diagnosed with cancer, as no survival period is applied.

Premium of eCancerPro Insurance Plan will only be adjusted every 10 years so you can plan your finances easily. Coverage of the eCancerPro is guaranteed to age 80, regardless of the Life Insured’s health status.

Enjoy the flexibility of choosing a Sum Insured suitable for your family: HKD100,000 / HKD250,000 / HKD500,000 / HKD1,000,000 / HKD1,500,000 / HKD2,000,000 / HKD3,000,000 / HKD5,000,000 [1].

If you wish to know more, please read the Product Brochure and Product Key Facts for details


  • eCancerPro Insurance Plan is only available to you if you hold a Hang Seng bank account or Hang Seng credit card[3].
  • You must also be between the Age of 18 and 60 and have a Hong Kong Identity Card to be insured in this cancer insurance plan.
  • Your monthly payment should be debited from your Hang Seng bank account or credit card account.

Career Starter :

Helen is an early career starter who also needs to support her parents. With a limited income, she is looking for a basic plan with cancer protection and life protection elements to provide herself and her family with adequate protection. Therefore, she enrolled in eCancerPro Insurance Plan The Sum Insured is HKD 1,000,000. She can manage her financial plan easily as the premium is affordable and will only be adjusted every 10 years.

  1. Year 1 

    She enrolled eCancerPro Insurance Plan

    Sum insured HKD 1,000,000

  2. Year 2

    She is diagnosed with Cervix Uteri Carcinoma-in-situ

    Claimed HKD 200,000

  3. Year 6

    She is diagnosed with early stage thyroid cancer

    Claimed HKD 200,000

  4. Year 12

    She is diagnosed with terminal stage colorectal cancer

    Claimed remaining HKD 600,000

eCancerPro Insurance Plan is affordable and fixed premium every 10 years means she can budget more effectively.

Helen is entitled to three claims under Carcinoma-in-situ/ Early Stage Cancer Benefit (twice) and Cancer Benefit (once) which she could obtain timely cancer treatments.

Young Parents :

May and Kenny are young parents with one son (age 1). May enrolled in this cancer insurance plan to secure cancer protection for both herself and her son.

  1. Year 1 

    May enrolled in eCancerPro Insurance Plan and named her son in the policy

    Sum insured HKD 1,500,000

  2. Year 2 

    May is diagnosed with Breast Carcinoma-in-situ

    Claimed HKD 300,000 from cancer insurance plan

  3. Year 7

    May’s son is diagnosed with acute leukemia 

    Claimed the remaining HKD 1,200,000 from cancer insurance plan

eCancerPro Insurance Plan's affordable and fixed premium for every 10 years

May and her son are entitled to two claims under Carcinoma-in-situ Benefit (May) and Cancer Benefit (May’s son) respectively.


Designed specifically to meet cancer protection needs, “eCancerPro” provides the Life Insured with life protection, along with a total of two lump-sum

claims under the Carcinoma-in-situ / Early Stage Cancer Benefit, Cancer Benefit and Child Benefit (where applicable), which can help cover cancer treatment and daily expenses. You can apply for “eCancerPro” via “Hang Seng Insurance’s” specially designed online application platform.

Through the platform, you can apply for this cancer insurance plan anytime, anywhere, making the process simple and convenient.

Once you complete the online eCancerPro Insurance Plan  application form, you will be asked to confirm and verify your details on a preview page. “Hang Seng Insurance” will send you a confirmation email on same day, assuring you that your application of this cancer insurance plan will be processed. We will notify you regarding the outcome by SMS after five to seven working days, and the policy will be delivered to your postal address once your application is approved. This simplified process frees you from the hassle of typical insurance applications. You can also call “eCancerPro”  hotline at 2998 8038 for queries.

The premium is guaranteed to remain unchanged for each 10-year term, and will be adjusted at the end of that term upon renewal according to the prevailing rate table applicable to this class of policies. Premiums for “eCancerPro” are payable monthly by direct transfer from your Hang Seng Bank account or by Hang Seng credit card, depending on your preference.

If the Life Insured is diagnosed with Carcinoma-in-situ or Early Stage Cancer, a lump-sum payment equivalent to 20% of the Sum Insured will be

paid in advance. A maximum of two claims under different organs can be paid under this benefit. If the Life Insured is diagnosed with Cancer or passes away, a lump-sum benefit equals to the total Sum Insured less any advance payment (if any) will be paid. All payments are made by check.

In general, a claim application together with supporting documents must be submitted to “Hang Seng Insurance” within 90 days after the Life Insured is diagnosed with an illness covered by eCancerPro Insurance Plan by a Registered Doctor. Before submitting the form, please check the coverage and exclusions of the respective policy. Should you have any queries relating to claims, please call “Hang Seng Insurance” eCancerPro Insurance Plan’s Claims Services Hotline at 2288 6992, and our customer service officer will be pleased to provide you with assistance.

Claims you receive from other insurance companies will not affect the benefit amount payable to you through “eCancerPro”.

“eCancerPro” does not have waiting period or survival period requirements, meaning if the Life Insured is diagnosed with a covered illness, he/she can make a claim immediately after his/her policy becomes effective. The Life Insured does not need to survive for a specified period from the date of diagnosis for the claim to be paid, allowing him/her to obtain timely cancer treatment. However, any covered illness diagnosed prior to the Issue Date of the policy is excluded from coverage. Please refer to the Key Exclusions section for details.


You can share the cancer protection benefits of your “eCancerPro” policy with one child by adding him/her to your policy as the Covered Child during the application process, or after your cancer insurance policy is issued, simply by providing your child’s personal information for processing. If you decide to add your child to your policy after the policy is issued, please contact “eCancerPro” hotline at 2998 8038 for details. Please note that only one child below age 18 can be added to each policy, and the Covered Child cannot be replaced once he/she is named in the policy. This Child Benefit does not require additional premiums,and the Covered Child will share all the benefits of “eCancerPro” with the Life Insured once the application is approved.

If you are not satisfied with your policy, you have a right to cancel it within 21-calendar days[2] cooling-off period by returning the policy surrender form and obtain a refund of any premiums and premium levy paid. After the cooling-off period, the Policyholder may request for policy surrender (i.e. policy cancellation) by returning the policy surrender form at any time, after which the policy will terminate. As there is no savings element (i.e. cash value) in the policy, no premiums paid will be refunded upon policy surrender.

You can call our hotline at 2596 6262 for queries. If you are a Hang Seng Bank e-Banking customer, you can also manage your policy(ies), check policy information and submit your application 24/7 via the Hang Seng Bank e-Banking website.

Make a claim

Claim procedures

Find details on how to submit your claim and more.

Download form

You can find all the forms and documents here for our insurance products.

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Other point(s) to note

  1. eCancerPro Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited 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 insurance products are products of Hang Seng Insurance Company Limited but 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.
  2. The above information is intended as a general summary of information for reference only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of Hang Seng Insurance Company Limited. Please refer to the actual policy for the exact terms, conditions and exclusions of the Plan.


  1. The maximum aggregate sum insured that each life insured could apply for eCancerPro Insurance Plan and eFamilyPro Life Insurance Plan is HKD8,000,000 for life insured who is aged 50 or below and HKD 3,500,000 for life insured who is aged above 50. Life insured aged 50 or below can apply eCancerPro Insurance Plan with sum insured up to HKD5,000,000 while Life insured aged above 50 can apply this plan with sum insured up to HKD3,000,000.
  2. If the last day of the period does not fall on a working day, the period will include the next working day.
  3. Only applicable to personal customer who is the principal cardholder of Hang Seng Credit Card, but not applicable to non-Hong Kong Dollar Credit Cards and Private Label Cards. Hang Seng credit card holder without Hang Seng bank account can only apply via (not applicable for eBanking).
  4. Calculation of the premium is based on a 25-year-old male non-smoker with a Sum Insured of HKD100,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.