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HarvestLife (RMB) Life Insurance Plan

Start planning today for your next prosperous chapter of life

Successfully apply to enjoy up to 20% first-year premium discount.

Terms and Conditions apply. Please note the relevant product risks.
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Plan overview

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

 

Fuel your future now. The Plan helps you capitalise on the market potential of Renminbi. Over a saving period of 8 years or 10 years, you will enjoy Monthly Income during Income Period to lay the cornerstone for a rosy future.

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Key features

With the Renminbi as the policy currency, the potential opportunities associated with the Renminbi will be within your grasp. If you have a Renminbi bank account, you can also pay the premiums in Renminbi directly without having to worry about currency conversion restrictions.

With premium payment for 3 or 5 years, the policy cash value will keep growing well before the commencement of the Income Period, together with policy dividends which are distributed annually. During the Income Period, you can enjoy the Monthly Income every month or select any of the other income withdrawal options to suit your savings goals.

Application is quick and easy. Subject to compliance with the designated criteria, guaranteed acceptance without any requirement for medical examination, irrespective of your underwriting records, occupation, health and financial conditions.

Free Supplemental Benefits, including: Terminal Illness Benefit and Accidental Death 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.

 

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Download form

You can find all the forms and documents here for our insurance products.

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Need more help?
Call us (Policy Enquiry)

(852) 2596 6262

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Other point(s) to note
  1. By choosing plans denominated in currencies other than the local currency, you are subject to exchange rate risks. Exchange rates fluctuate from time to time. Upon the currency conversion, you may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of the exchange rate fluctuations. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. The CNY is currently not freely convertible and conversion of CNY may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
  2. The HarvestLife (RMB) Life 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.
  3. 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.
  4. 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. For details of the policy terms, please contact Hang Seng Bank branch.
  5. 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.
  6. 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.