Treasure Life II Insurance Plan

Rest assured to enjoy

Every moment of life with your family

Plan overview

Treasure Life II Insurance Plan is a life insurance plan and is not a bank deposit. It is underwritten by Hang Seng Insurance Company Limited ("Hang Seng Insurance").

 

Gear up and move forward with peace of mind. Enjoy life insurance protection along with fixed premium payments until the Life Insured’s Age of 99. Even when encountered with unexpected changes in life, your loved ones will continue to benefit from steady financial support, as well as sufficient protection of their livelihood.

Key features

Providing a reliable and comprehensive life protection for you and your family. Flexible Sum Insured based on your needs.

A variety of choices is available to suit your needs for more financial flexibility.

Payment Term
Life Insured’s Insurance Age at Enrolment^ 
5 years
0–64 years old
10 years
0–59 years old
25 years
0–54 years old

^Insurance Age means, at any date, the age of the Life Insured or Policyholder (if applicable) on the most recent birthday prior to the Policy Date plus the number of completed Policy Years. If the Life Insured's or Policyholder's (if applicable) birthday is on the Policy Date, it will be calculated based on the age on such Policy Date.

During the policy term, you will receive projected policy dividends on each Policy Anniversary. It is your choice to withdraw the accumulated policy dividends to pay off the premium for the remaining payment term, or in cash, or to take up Paid-up Additions for enhancing protection.

With fixed premiums, you can take better control of your financial planning.

Optional Supplemental Benefits to suit your needs, including: Accidental Death and Dismemberment Benefit, Major Illness PLUS Benefit, and Renewable Term Life Benefit.

 

Optional Supplemental Benefit: Critical Illness Benefit (Advance Payment)

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.

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.
 

Need more help?
Call us (Policy Enquiry)
Other point(s) to note
  1. The Treasure Life II 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.