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PreciousWay Education Life Insurance Plan

Be well- prepared for your children’s future

Plan overview

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

 

Back up your next generation with love. The Plan is a life insurance plan with savings element. A Guaranteed Education Cash will be distributed when your children come of age to help him or her to pursue dreams towards a bright future.

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Key features

A Guaranteed Education Cash will be distributed on every Policy Anniversary of your child’s Insurance Age from 18 to 21.

Enjoy potential returns with a non-guaranteed Annual Dividend.

The plan provides two options for the Payment Term of 3 or 5 years, making it easier for budgeting on your financial planning.

The plan also comes with a Death Benefit for life insured until the end of the policy.

Free Supplemental Benefits, including: Payor’s Benefit for Critical Illness and Payor’s Benefit for Death and Disability

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

Other point(s) to note
  1. The PreciousWay Education 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.
  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.