EmbraceLife Insurance Plan

Rest assured to enjoy every moment of life with your family

Plan overview

EmbraceLife Insurance Plan (“the Plan”) provides enhanced lifetime protection and a comprehensive range of supplemental benefits, supplemented with non-guaranteed Annual Dividend and Terminal Dividend to ensure a future of comfort and security for you and your loved ones.

Key features

The Plan offers Death Benefit until the Insurance Age of 99. If the Life Insured should pass away before Insurance Age of 65, the beneficiary(ies) will receive a Death Benefit of up to 150% of the Sum Assured of the basic plan.

In the event of policy termination, the Plan will pay a non-guaranteed Terminal Dividend to your policy, bolstering your potential returns.

For added financial flexibility, the Plan offers a choice of premium payment periods – 5 years, 10 years or 15 years.

With preferential underwriting procedure, applying for the Plan is simple. Provided that the life insured and/or the policyholder both fulfil the application requirements of the Plan (including Insurance Age), medical examinations or health declarations are not required, making it easy for you to secure the protection you need.

Supplemental Benefits included with the basic plan: Waiver of Premium Benefit, Payor’s Benefit, Unemployment Benefit, Terminal Illness Benefit, Accidental Death Benefit and Additional Term Life Benefit.

Remark(s): Please refer to the Product Brochure for detailed terms and conditions and exclusions. And please refer to the Notes on Participating Policy for details of dividend philosophy, investment strategy and historical fulfilment ratio of dividend distribution.

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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.

Useful Information
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Other point(s) to note
  1. EmbraceLife Insurance Plan (“the Plan”) is underwritten by Hang Seng Insurance Company Limited, which 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 product is a product of Hang Seng Insurance Company Limited, not Hang Seng Bank.
  2. 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.
  3. The above information is intended as a general summary of information only. Please refer to the actual policy for the exact terms, conditions and exclusions of the Plan.
  4. You understand that the Plan is underwritten by Hang Seng Insurance Company Limited. You have to pay premium to Hang Seng Insurance Company Limited for your application for the Plan. The premium includes various fees and charges such as insurance cost (e.g. cost of death benefit determined formulated according to the mortality rate that is affected by sex and age of the insured person) and policy administration charges, etc. You also understand that Hang Seng Insurance Company Limited will pay commissions and sales incentives to “Hang Seng Bank” for marketing the Plan . The current remuneration system that “Hang Seng Bank” adopts is a measurement of the staff’s overall performance instead of focusing on sales production only.
  5. Please refer to the Product Brochure for detailed terms and conditions and exclusions. And please refer to the Notes on Participating Policy for details of dividend philosophy, investment strategy and historical fulfilment ratio of dividend distribution.