eFamilyPro Life Insurance Plan

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

Plan overview

eFamilyPro Life Insurance Plan is a term life insurance plan with no savings element underwritten by Hang Seng Insurance. Different from other life insurance policies, a term life insurance policy is relatively simpler. eFamilyPro Life Insurance Plan provides the Life Insured with a lump-sum death benefit up to HKD8,000,000, which can cover living expenses when unfortunate strikes. Application is easy - simply submit your online insurance application. Apply at a younger age and enjoy lower premiums.

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

Key features

A term life insurance policy is relatively simpler than other life insurance policies. Upon the unfortunate passing away of the Life Insured, the beneficiary(ies) will receive the total Death Benefit to help them getting through difficult times

During the policy period, the Plan covers up to age 80 regardless of the Life Insured’s health status. Before the Life Insured’s age reaches 60[1], the policy may be converted to a new whole of life or endowment policy, without the need of medical underwriting. 

The monthly premium is fixed for the first 10 years and will be adjusted every 10 years.

There are 9 choices of Sum Insured[2] – HKD500,000 / HKD1,000,000 / HKD1,500,000 / HKD2,000,000 / HKD3,000,000 / HKD3,500,000 / HKD5,000,000 / HKD6,500,000 or HKD8,000,000 to suit various family needs.

If you wish to know more, please read the Product Brochure for details.


  • eFamilyPro Life 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.
  • Your monthly payment should be debited from your Hang Seng bank account or credit card account.


eFamilyPro is a term life insurance plan providing life protection, allowing the Life Insured to support his/ her family no matter the circumstance. You can apply for eFamilyPro via "Hang Seng Insurance’s” specially designed online insurance application platform, making the process simple and convenient.

Once you complete the online 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 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 Hang Seng Bank postal address once your application is approved. This simplified process frees you from the hassle of typical insurance applications. You can also call eFamilyPro hotline at 2998 8038 for queries.

Differing from other life insurance policies, premium for a term life insurance policy is guaranteed to remain unchanged for each 10-year term, and will be adjusted at the end of that term according to the prevailing rate table applicable to this class of term life insurance policies. Premiums for eFamilyPro are payable monthly by direct transfer from your Hang Seng Bank account or by Hang Seng credit card, depending on your preference.

Should the Life Insured pass away, the beneficiary(ies) may receive the Death Benefit in a lump sum. Such benefit will be paid by cheque or directly transferred to the personal account of the Policyholder.

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

The Policyholder of eFamilyPro is entitled to a Conversion Privilege. Before the insured reaches the Insurance Age of 60, you may convert the eFamilyPro policy into a life or endowment policy. However, the Sum Insured of the new policy may not exceed that of the existing eFamilyPro plan at the time of policy conversion, and such new policy must be a prevailing product determined by "Hang Seng Insurance" at the time of conversion.

Yes. If the Policyholder wishes to reduce the Sum Insured, a request can be submitted in writing when the eFamilyPro policy is in effect. Upon acceptance of the application by "Hang Seng Insurance", the Sum Insured and Death Benefit of your eFamilyPro Plan will be adjusted and reduced accordingly.

If you are not satisfied with your policy, you have a right to cancel it within 21 calendar days* 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.

* If the last day of the period does not fall on a working day, the period will include the next working day.

eFamilyPro is a term life insurance plan with no savings element, as such no cash value is available for future withdrawal under the Plan.

eFamilyPro Plan offers a Grace Period of 30 days for payment of any premium when due. If a premium is not paid by the end of the Grace Period, this policy will be lapsed as on the due date. Please refer to the Important Notes section for details.

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

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. eFamilyPro Life 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. Age at last birthday
  2. 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 HKD3,500,000 for life insured who is aged above 50. Life insured aged 50 or below can apply eFamilyPro Life Insurance Plan with sum insured up to HKD8,000,000 while Life insured aged above 50 can apply this plan with sum insured up to HKD3,500,000. 
  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 hangseng.com (not applicable for eBanking).
  4. Calculation of the premium is based on a 25-year-old male non-smoker with a Sum Insured of HKD500,000, inclusive of the first-year premium waiver. The figure is rounded up to the nearest 1 decimal place.