eFamilyPro Life Insurance Plan

Apply online with no medical examinations required

Up to HKD3M sum insured 

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

Hang Seng Insurance stands by you. From 12 February until 30 April 2020, new customers who successfully apply for the eFamilyPro Insurance Plan with promotion code “3FSEF2”, can enjoy a 2-month premium waiver and a HKD50,000 lump-sum Additional Novel Coronavirus Benefit* for free. 

*The coverage period of Additional Novel Coronavirus Benefit last till 30 June 2020. Terms and Conditions apply to the above offer and benefits. Please note the relevant product risks. This 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. It provides the Life Insured with a lump-sum death benefit up to HKD3,000,000, which can cover living expenses when unfortunate strikes. Application is easy - simply submit your application online. Apply at a younger age and enjoy lower premiums.

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

Key features

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.

If the Life Insured is certified with a medical condition by a Registered Doctor to be reasonably to result in death of the insured within twelve months, a lump sum amount equals to the Death Benefit is paid out in advance.

During the designated protection period, if the Life Insured has been diagnosed with Novel Coronavirus and is admitted to hospital in Hong Kong as in-patient for medical treatment, a lump sum payment (for new policy) or Hospital Cash (for existing policy) will be paid, provided that the Policy is in force at the date of diagnosis.

 

Lump Sum Payment (For new policy):

We will offer HKD 50,000 lump sum payment to the policyholders, the date of diagnosis shall be between the expiry date of the cooling-off period of the policy and 30 June 2020.

 

Hospital Cash (For existing policy):

We will offer HKD 1,000 per day (up to 45 days) or HKD 15,000 in lump sum, whichever is greater, as Daily Hospital Cash to the existing policyholders, the date of diagnosis shall be between 5 February 2020 and 30 June 2020.

 

For details, please refer to Terms and conditions.

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 601, 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 4 choices of Sum Insured2 – HKD500,000, HKD1,000,000, HKD2,000,000 or HKD3,000,000 to suit various family needs.

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

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.

 

Remarks
  1. Age at last birthday
  2. The maximum aggregate sum insured that each life insured could apply for eFamilyPro Life and eCancerPro Insurance plan is HKD5,000,000 for insured who is aged 50 or below and HKD3,000,000 for insured who is aged above 50.