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What is Cancer Life Insurance
Cancer is the number one cause of death in Hong Kong. Cancer life insurance provides a one-off payment if you are diagnosed with cancer, and can cover expensive cancer treatment costs along with other associated expenses, giving you peace of mind while you receive the treatment.
Comprehensive Coverage
Benefit of up to HK$5,000,000 of Cancer, Carcinoma-in-situ and Early Stage Cancer
Affordable
Premium as low as HK$0.3 per day* & 5-month premium waiver
Earn yuu Points
Earn 1 yuu Point for every HK$1 of your insurance premium paid in the first policy year
Key Features
Two claims on Carcinoma-in-situ / Early Stage Cancer Benefit
An advanced cancer benefit equivalent to 20% of the Sum Insured, enabling protection for receiving timely cancer treatment to ensure speedy recovery.
Your child shares all the cancer benefits for free
Life Insured of eCancerPro Insurance Plan can share all cancer benefits with one child under age of 18.
No waiting period and survival period
The coverage is effective immediately after your cancer insurance application is approved.
Cancer Insurance premium is fixed for the first 10 years
Premium will only be adjusted every 10 years. Coverage is guaranteed to age 80, regardless of the Life Insured’s health status.
Eight choices of Sum Insured
Enjoy the flexibility of choosing a Sum Insured suitable for your family: HK$100,000 / HK$250,000 / HK$500,000 / HK$1,000,000 / HK$1,500,000 / HK$2,000,000 / HK$3,000,000 / HK$5,000,000. The above information is intended as a general summary of information for reference only. If you wish to know more about the plan, please read Product Brochure.
Learn more about Hang Seng eCancerPro Insurance Plan through the product brochure
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Frequently Asked Questions
How is “eCancerPro” different from other insurance plans?
Designed specifically to meet cancer protection needs, “eCancerPro” provides the Life Insured with life protection, along with a total of two lump-sum claims under the Carcinoma-in-situ / Early Stage Cancer Benefit, Cancer Benefit and Child Benefit (where applicable), which can help cover medical treatment and daily expenses.
Is the premium guaranteed to remain unchanged throughout the period of insurance?
The premium is guaranteed to remain unchanged for each 10-year term, and will be adjusted at the end of that term upon renewal according to the prevailing rate table applicable to this class of policies.
Would my claim under this policy be affected if I already claimed my cancer benefit from a critical illness (or cancer) insurance plan issued by another insurance company?
Claims you receive from other insurance companies will not affect the benefit amount payable to you through “eCancerPro”.
How can I add my children to enjoy Child Benefit? Is my children share the same benefits as mine?
You can share the benefits of your “eCancerPro” policy with one child by adding him/her to your policy as the Covered Child during the application process, or after the policy is issued, simply by providing your child’s personal information for processing. If you decide to add your child to your policy after the policy is issued, please contact “eCancerPro” hotline at 2998 8038 for details. Please note that only one child below age 18 can be added to each policy, and the Covered Child cannot be replaced once he/she is named in the policy. This Child Benefit does not require additional premiums,and the Covered Child will share all the benefits of “eCancerPro” with the Life Insured once the application is approved.
Remark(s)
*Based on sum insured of HK$100,000 for a 18-year-old non-smoking male
- The above information is intended as a general summary of information for reference only. If you wish to know more about the plan, please read the Product Brochure for details. - Please refer to Policy Provisions (https://www.hangseng.com/content/dam/hase/config/bde/pws/Insurance/pdfs/eCancerPro/eCancerPro_PolicyProvision.pdf) for the exact terms, conditions and exclusions of the Plan. - For procedures for making claims, please visit (https://www.hangseng.com/en-hk/personal/insurance-mpf/claims/). - For the definition of Cancer, Carcinoma-in-situ and Early Stage Cancer, and the exclusion of the Plan, please refer to the policy provision which shall be considered as final. - The maximum aggregate sum insured that each life insured could apply for eCancerPro Insurance Plan and eFamilyPro Life Insurance Plan is HK$8,000,000 for life insured who is aged 50 or below and HK$3,500,000 for life insured who is aged above 50. - Life insured aged 50 or below can apply eCancerPro Insurance Plan with sum insured up to HK$5,000,000 while Life insured aged above 50 can apply this plan with sum insured up to HK$3,000,000. - Eligibility • eCancerPro Insurance Plan is only available to you if you hold a Hang Seng Bank account/Hang Seng Credit Card • You must also be between the Age of 18 and 60 and have a Hong Kong Identity Card • Your monthly payment should be debited from your Hang Seng Bank account or credit card account - Other point(s) to note Hang Seng Insurance is a wholly-owned subsidiary of Hang Seng Bank. The yuu Rewards Club is owned and operated by DFI Development (HK) Limited (“DFI”), a wholly-owned subsidiary of Dairy Farm International Holdings Limited. Hang Seng Bank and DFI are authorised insurance agents of Hang Seng Insurance and regulated by the Insurance Authority. eCancerPro Insurance Plan is a product of and underwritten by Hang Seng Insurance. 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 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 and you directly. 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. Please refer to the actual policy for the exact terms, conditions and exclusions of the relevant insurance plan.
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