eCancerPro Insurance Plan

Apply online with no medical examinations required up to HKD 1.5 million sum insured

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

What is covered for you in this Plan?

A childe shares all the benefits for free

No additional underwriting, premium or waiting period for the covered child under age of 18.

 

Carcinoma-in-situ / Early Stage Cancer Benefit

If the Life Insured is diagnosed with Carcinoma-in-situ or Early Stage Cancer (including such as penis. testis tumor, uterus tumor, ovary tumor), we will pay an advanced benefit equivalent to 20% of the Sum Insured. A maximum of two claims under different organs will be paid under the Plan.

 

Cancer Benefit plus Death Benefit

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. 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.

 

No Waiting Period or Survival Period

The coverage is in effect immediately after the policy is approved. Premium will only be adjusted every 10 years so you can plan your finances easily. Renewal of the plan is guaranteed to age 79, regardless of the Life Insured's health status.

 

Online application takes about 5 minutes only without the hassle of providing documentation or medical examinations.

Who is eligible? What is the requirement?

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

What are the major exclusions?

Please note that eCancerPro Insurance Plan will not cover any Cancer, Carcinoma-in-situ or Early Stage Cancer that result from any of the following: i) intoxication by alcohol or drugs not prescribed by a Registered Doctor; ii) any congenital conditions or genetic disorder or developmental conditions, which has manifested or was diagnosed before the Life Insured or the Covered Child (where applicable) attains 18 years of Insurance Age; or iii) any pre-existing condition or illness.

Pre-existing Condition means any condition or illness, any signs or symptoms of condition or illness, any laboratory test or investigation that shows the likely presence of the condition or illness, any cause or triggering condition to Cancer, Carcinoma-in-situ or Early Stage Cancer that exist before the policy takes effect.

 

For details of exclusions of this plan, please refer to the Product Brochure and Policy Provisions .

For details of COVID-19 Benefit, please refer to Terms and Conditions and Policy Endorsement.

For product features, please refer to Product Summary in Product Brochure.

For full terms and conditions, please refer to Policy Provisions .

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AVulnerable Customer assessment
Start your Vulnerable Customer
Assessment
Hang Seng Bank Limited ("the Bank") and Hang Seng Insurance Company Limited ("Hang Seng Insurance") are committed to exercising care and providing additional protection measures to Vulnerable Customers in insurance application. This assessment is provided by Hang Seng Insurance and the Bank as authorized insurance agent of Hang Seng Insurance and is intended to help you understand whether you are a Vulnerable Customer based on your personal circumstances, including your insurance application experience.
Start
Your answers
Have you completed Secondary 3 or above?
Are your total net liquid assets maintained in the Bank, or other financial institutions and your personal holdings is valued more than or equal to HKD 50,000 or equivalent?
Do you have any regular source of income?
Do you have any experience in applying for life insurance products (not limited to Hang Seng Insurance life insurance)?
(a) Have you applied for any Annuity Insurance Products
over the past 5 years, giving you the relevant insurance experience?
(b) Have you applied for any Non-Investment-Linked Long Term Insurance Products
over the past 5 year, giving you the relevant insurance experience?

Assessment result
According to the information you provided in the assessment, you are assessed as:
Your Vulnerable Customer Assessment Result:
Original VC Status (Annuity Products)
Original VC Status (Non-Investment-Linked Long Term Insurance Products)
Do you agree with the above result?
Reason

Your final Vulnerable Customer Assessment status is assessed as:
Your final Vulnerable Customer Assessment status is assessed as:
Final VC Status (Annuity Products)
Final VC Status (Non-Investment-Linked Long Term Insurance Products)

Declaration
The information you provided below will form the basis for underwriting and assessing any claims in the future.
If you have any changes, please Get a new quote.
Medical questions
Have you been diagnosed with Cancer, Heart Disease or Stroke?
In past 5 years, have you been disagnosed or suffered from Diabetes, HIV related conditions, AIDS or any condition(s) affecting your brain, thyroid, blood, heart, lungs, gastric, breast, liver, kidney, uterus, ovaries, colon, prostate?
Are the results of all investigation performed on any of the decalred signs or symptoms abnormal and that treatment more than 30 days or ongoing follow up was required?
In the past year, have you had any symptoms such as unexplained bleeding or fever, weight loss, lumps or growth for which are yet to receive investigation or medical advice?
Do you have two or more natural parents or siblings with heart disease, diabetes, renal failure, or cancer of breast, ovaries, nose, throat, or colon before aged 50?
Please input all the below details in English
Applicant/ insured information
Contact details
Covered child information
Gender
Beneficiary
Beneficiary would receive the death benefits in the form of a cash payment. You may add, remove or change beneficiaries after your policy has been issued.
Add beneficiary
Important Note: Please note that additional document(s) is/are required for processing your application as verification is necessary for the nomination of your beneficiary relationship(s), you will receive a follow up letter regarding the required additional document(s). Please call our eCancerPro Hotline at 2998 8038 if you have any questions.
Please input your payment account details below. Your application will undergo approval process which takes 7 working days to work on, we will not debit the premium amount from your account before it is approved. The monthly premium and levy payment of HKD {#monthlyTotalPremium} will be debited from your account after the application has been approved successfully.
Please input your payment account details below. Your application will undergo approval process which takes 7 working days to work on, we will not debit the premium amount from your account before it is approved. The monthly premium and levy payment of HKD {#monthlyTotalPremium} will be debited from your account starting from the {#premiumsStartMonth}th month.
The applicant and payment account holder must be the same person.
Payment details
Payment account
You can review and edit your responses before submitting your final application.
Note
Note
Please review and verify the following details, and click 'Confirm' to proceed.
The online application will be processed and approved after verification of the information you have submitted. We'll notify you on the progress of your application within seven working days by sending you a SMS message.

Please be reminded that the coverage of your applied insurance plan(s) has not been effective yet. Your policy effective date will be dated back to your online application submission date should your application is approved.

If you have any question, please contact our eCancerPro Hotline at 2998 8038.
Premium details1
Sum insured
HKD
Initial premium & levy
HKD (HKD + HKD initial levy)
Special offer
month(s) premium waiver2 (promo code offer)
month(s) premium waiver2 (“Hang Seng Olive” offer)
Understanding this product
Does this plan meet your objectives for having both life protection and cancer protection in case of death and diagnosis of cancer?
Does this plan meet your cancer protection needs for having a lump-sum cancer benefit payment (i.e. non-reimbursement) ?
Vulnerable Customer assessment
Medical details Edit Save
Medical questions
Have you been diagnosed with Cancer, Heart Disease or Stroke?
In past 5 years, have you been disagnosed or suffered from Diabetes, HIV related conditions, AIDS or any condition(s) affecting your brain, thyroid, blood, heart, lungs, gastric, breast, liver, kidney, uterus, ovaries, colon, prostate?
Are the results of all investigation performed on any of the decalred signs or symptoms abnormal and that treatment more than 30 days or ongoing follow up was required?
In the past year, have you had any symptoms such as unexplained bleeding or fever, weight loss, lumps or growth for which are yet to receive investigation or medical advice?
Do you have two or more natural parents or siblings with heart disease, diabetes, renal failure, or cancer of breast, ovaries, nose, throat, or colon before aged 50?
Your personal details Edit Save
Applicant/ insured information
Last name
First name
HKID number
Date of birth
Place of birth
Gender
Smoking habit
Contact details
E-mail address
Covered child information
Last name
First name
Birth cert No. / HKID number
Date of birth
Gender
Beneficiary
Type of beneficiary
Premium payment Edit Save
Payment details
Payment account
Hang Seng Saving Account No.
Hang Seng Credit Card Account No.
Expiry date
Declaration
Need more help?

eCancerPro Hotline:

(852) 2998 8038

Operating hours:

Mon to Fri - 9:00am to 8:00pm, Sat - 9:00am to 1:00pm

Closed on Sundays and Public Holidays

Need more help?

eCancerPro Hotline:

(852) 2998 8038

Operating hours:

Mon to Fri - 9:00am to 8:00pm, Sat - 9:00am to 1:00pm

Closed on Sundays and Public Holidays

Remarks
  1. Premium is fixed for the first 10 years. To read about your future premiums payable for this plan, please refer to Premium Illustration.
  2. the {#formattedFreeAllMonthly} month premium is waived for the first year, please read the Promotion Terms & Conditions.

Pleae read and check the box below

  1. I, as Policy Applicant and payment account holder, confirm that I am not acting on behalf of any other person, and that I authorize Hang Seng Bank Limited ("HASE") to debit from the specified account for initial and subsequent premiums and applicable levy due as shall be instructed by Hang Seng Insurance Company Limited ("HSIC") from time to time.
  2. I am in Hong Kong at the time of making this online application.
  3. I understand that my personal information supplied in this application will be used in accordance with Personal Information Collection Statement and that any request to change my personal information in HSIC's records must be made through branches of HASE or as specified under Clause 5 of the said Statement.
  4. All the statements and answers in this application are to the best of my knowledge and belief, true and complete and that the application will form the basis and become part of any policy issued by HSIC. I acknowledge if any of the statements and answers given in the application are inaccurate or any material facts* have not been disclosed or verification of my identity cannot be completed within a reasonable time as determined by HSIC (during which HSIC will have the sole discretion to suspend or defer any transactions under the policy), HSIC will be entitled to cancel, terminate or suspend the policy or where HSIC considers it appropriate, to re-issue the policy with modifications even after the policy has been issued.
    * Note: If you are in doubt as to whether or not particular information or facts are material, they should be disclosed.
  5. All personal information that I have most recently provided to HASE such as ID documents, nationality, mobile number and payment account correspondence address is accurate and up to date and I consent to HASE providing my personal information to HSIC or any member of the HSBC Group ("HSBC Group" means HSBC Holdings plc, its affiliates, subsidiaries, associated entities and any of their branches and offices (together or individually) and "member of the HSBC Group" has the same meaning) and any agents, contractors, sub-contractors, service providers for the purpose of evaluating and processing this application. I understand that updated personal information such as ID documentation may be requested by HSIC if necessary, and the policy may not be issued if any such requested information or documents are not provided within a specified time.
  6. I understand that submission of this application does not guarantee its approval, and that a policy will only be approved after (i) the satisfaction of HSIC's prevailing eligibility requirements and principles of underwriting rules and (ii) the first premium payment has been processed. If the application is approved, the policy will be made effective from the date a valid application was submitted.
  7. Cancellation Rights and Refund of Premium(s) within Cooling-off Period:  I, the Policyholder, understand that I have the right to cancel the policy and obtain a refund of any premium(s) paid {#wellnesssDeclarationAddText} (less any market value adjustment for investment-linked or non-linked single payment/ single premium policy) by returning the policy surrender form to Hang Seng Insurance Company Limited. I understand that to exercise this right, the policy surrender form must be signed by me and returned by mail to Hang Seng Insurance Company Limited at 18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong or returned to any Hang Seng Bank branches (except MTR station outlets) ^ within the Cooling-off Period. I understand that the Cooling-off Period is the period of 21 calendar days* immediately following either the day of delivery of the policy or the Cooling-off Notice to me/ my nominated representative (whichever is earlier). I understand that the Cooling-off Notice is a notice that will be sent to me or my nominated representative to notify me of the Cooling-off Period around the time the policy is delivered.
    Note:
    ^Only applicable to personal customer.
    *If the last day of the period does not fall on a working day, the period will include the next working day.
  8. I understand that the Insurance Authority ("IA") will impose a prescribed levy on this insurance policy pursuant to section 134 of the Insurance Ordinance (Cap. 41). Such levy payment should be made together with the premium payment to HSIC for direct remittance to the IA within the remittance period as specified by the IA. Subject to the applicable levy cap, the amount of levy payable for each premium payment is the amount of premium multiplied by the applicable levy rate as prescribed by IA. All subsequent premiums to be paid will also be subject to the applicable levy rate and cap. I/ We understand that it is the statutory duty of the policyholder to pay the prescribed levy to IA through HSIC. IA may impose on the policyholder concerned a pecuniary penalty not exceeding HKD 5,000 for non-payment of levy.
  9. The application confirmation does not contain the full terms of the policy and the full terms can be found in the policy document.
  10. The premium adjustment will be determined in accordance with “Hang Seng Insurance’s” prevailing rate table applicable to this class of policy and the Insurance Age of the Life Insured at the time of adjustment. “Hang Seng Insurance” will review the premium level from time to time based on factors including but not limited to actual claims experiences, outlook of future claims experiences, foreseeable expense etc.. In case of any significant changes in those factors, “Hang Seng Insurance” reserves the right to adjust the premium rates applicable to premiums payable during the premium payment term. A notice of such premium adjustment will be sent to the Policyholder prior to it taking effect. 

 

I have read and understood the Cooling-off Rights, Premium Illustration (with premium adjustment every 10 years), the Policy Provision , Terms and Conditions of COVID-19 Benefit, Policy Endorsement of COVID-19 Benefit, the Hang Seng Bank Limited and its subsidiaries Privacy Principles and the Personal Information Collection Statement of HSIC and agree to be bound by the same.

Remarks

  1. Premiums are fixed within the first 10 years. To read about your future premiums payable for this plan, please refer to Premium Illustration.
  2. The {#formattedFreeAllMonthly} month premium is waived for the first year, please read the Promotion Terms & Conditions.
  3. Covered child notes:
    1. Only one child with insurance age below 18 may be nominated as the Covered Child under the Child Benefit.
    2. Only natural child or legally-adopted child in the Hong Kong SAR of the applicant (policyholder) will be covered.
    3. The Child Benefit shall cease at the policy anniversary at which the Covered Child attains the insurance age of 18.
    4. The maximum payout under Child Benefit is HKD1,500,000 per Covered Child across all eCancerPro Insurance Plan policies issued by Hang Seng Insurance Company Limited.
    5. Hang Seng Insurance Company Limited reserves the right to accept or reject the nomination of the Covered Child for the Child Benefit under the Policy. A written confirmation to effect the Child Benefit will be sent to the applicant (policyholder) once it is approved by Hang Seng Insurance Company Limited.
    6. Under no circumstances shall there be any subsequent change of the Covered Child once nomination is approved by Hang Seng Insurance Company Limited.
  4. Your selection of "Own estate" confirms that the death claimed amount will be paid out in accordance with inheritance law of Hong Kong.
  5. Applicable for existing Hang Seng bank account holders.


Important Information

  • Any assessment on the customer’s Vulnerable Customer status will be based on the information the customer provides to the Bank and Hang Seng Insurance. Failure of the customer to provide complete, accurate and up-to-date information will affect the Bank and Hang Seng Insurance’s assessment of the customer’s Vulnerable Customer status and any services that may be provided.
  • The Vulnerable Customer Assessment in online platform is unable to consider all of the customer’s relevant personal circumstances when assessing whether the customer may be a Vulnerable Customer.
  • It is suggested that you print and save the Vulnerable Customer Assessment record for your future reference.
  • Personal information collected in this assessment will be kept confidential by the Bank and Hang Seng Insurance. The information may be used by the Bank and Hang Seng Insurance under a duty of confidentiality of Hang Seng Insurance, for providing, maintaining and administering insurance policy or other financial products and services or meeting the obligations, requirements in connection with any law, regulation or request given or issued by other authorities, within or outside the Hong Kong Special Administrative Region existing currently or in the future. Hang Seng Insurance’s Notice to Customer and Other Individuals relating to the Personal Data (Privacy) Ordinance are available at the Bank’s website.
  1. I agree with the above Vulnerable Customer Assessment result and confirm that the above information provided by me is complete, accurate, and up-to-date.
  2. I understand that the assessment conducted through the online platform has not assessed all of my latest status of my personal circumstances percirin determining whether I may be a Vulnerable Customer or not.
  3. I authorize the Bank and Hang Seng Insurance to provide the details of this assessment, any related record or information to meet the obligations or requirements in connection with any law, regulation or requests given or issued by other form, within or outside the Hong Kong Special Administrative Region existing currently or in the future.
  4. I understand that Hang Seng Insurance reserves the right to cease my Vulnerable Customer Assessment result at any time without prior notice. The decision of Hang Seng Insurance on all matters relating to the assessment shall be final and binding on all parties concerned.
  1. I disagree with the initial Vulnerable Customer Assessment result and would like to change the result as above selection. I confirm that the above information provided by me is complete, accurate, and up-to-date.
  2. I understand that the assessment conducted through the online platform has not assessed all of my latest status of my personal circumstances percirin determining whether I may be a Vulnerable Customer or not.
  3. I authorize the Bank and Hang Seng Insurance to provide the details of this assessment, any related record or information to meet the obligations or requirements in connection with any law, regulation or requests given or issued by other form, within or outside the Hong Kong Special Administrative Region existing currently or in the future.
  4. I understand that Hang Seng Insurance reserves the right to cease my Vulnerable Customer Assessment result at any time without prior notice. The decision of Hang Seng Insurance on all matters relating to the assessment shall be final and binding on all parties concerned.
Need more help?

eCancerPro Hotline:

(852) 2998 8038

Operating hours:

Mon to Fri - 9:00am to 8:00pm, Sat - 9:00am to 1:00pm

Closed on Sundays and Public Holidays

Other points to note
  1. Due to the adjustment of the decimal places, the premiums as above may differ from the actual amount of the premium payable by less than HKD 1.00.
  2. The {#formattedFreeAllMonthly} month premium is waived for the first year, please read the Promotion Terms & Conditions.
  3. Covered child notes:
    1. Only one child with insurance age below 18 may be nominated as the Covered Child under the Child Benefit.
    2. Only natural child or legally-adopted child in the Hong Kong SAR of the applicant (policyholder) will be covered.
    3. The Child Benefit shall cease at the policy anniversary at which the Covered Child attains the insurance age of 18.
    4. The maximum payout under Child Benefit is HKD1,500,000per Covered Child across all eCancerPro Insurance Plan policies issued by Hang Seng Insurance Company Limited.
    5. Hang Seng Insurance Company Limited reserves the right to accept or reject the nomination of the Covered Child for the Child Benefit under the Policy. A written confirmation to effect the Child Benefit will be sent to the applicant (policyholder) once it is approved by Hang Seng Insurance Company Limited.
    6. Under no circumstances shall there be any subsequent change of the Covered Child once nomination is approved by Hang Seng Insurance Company Limited.
Need more help?

eCancerPro Hotline:

(852) 2998 8038

Operating hours:

Mon to Fri - 9:00am to 8:00pm, Sat - 9:00am to 1:00pm

Closed on Sundays and Public Holidays

Other points to note
  1. Due to the adjustment of the decimal places, the premiums as above may differ from the actual amount of the premium payable by less than HKD 1.00.
  2. The {#formattedFreeAllMonthly} month premium is waived for the first year, please read the Promotion Terms & Conditions.
  3. Covered child notes:
    1. Only one child with insurance age below 18 may be nominated as the Covered Child under the Child Benefit.
    2. Only natural child or legally-adopted child in the Hong Kong SAR of the applicant (policyholder) will be covered.
    3. The Child Benefit shall cease at the policy anniversary at which the Covered Child attains the insurance age of 18.
    4. The maximum payout under Child Benefit is HKD1,500,000 per Covered Child across all eCancerPro Insurance Plan policies issued by Hang Seng Insurance Company Limited.
    5. Hang Seng Insurance Company Limited reserves the right to accept or reject the nomination of the Covered Child for the Child Benefit under the Policy. A written confirmation to effect the Child Benefit will be sent to the applicant (policyholder) once it is approved by Hang Seng Insurance Company Limited.
    6. Under no circumstances shall there be any subsequent change of the Covered Child once nomination is approved by Hang Seng Insurance Company Limited.