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What is Term Life Insurance
Term life insurance provides life insurance for a specific term, according to your age and personal long-term needs. Whether you are a career starter, the breadwinner of your family, or a newly-married couple buying a home together, term life insurance can protect your loved ones, and help them cope with any unexpected financial burdens.
Comprehensive Coverage
Up to HK$8,000,000 Life Insurance Protection
Affordable
Premiums as low as HK$0.8 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
Term life insurance coverage up to age 80 and conversion privilege
During the term life insurance policy period, the Plan covers up to age 80 regardless of the Life Insured’s health status. Before the Life Insured’s age reaches 60, the policy may be converted to a new whole of life or endowment policy, without the need of medical underwriting.
Fixed term life insurance premium for the first 10 years
The monthly premium is fixed for the first 10 years and will be adjusted every 10 years. The life insurance coverage will be guaranteed until the age of 80, regardless of the health conditions.
Nine Choices of Sum Insured
There are 9 choices of Sum Insured – HK$500,000 / HK$1,000,000 / HK$1,500,000 / HK$2,000,000 / HK$3,000,000 / HK$3,500,000 / HK$5,000,000 / HK$6,500,000 or HK$8,000,000 to suit various family needs. 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 the Hang Seng eFamilyPro Life Insurance Plan through the product brochure
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Frequently Asked Questions
How is “eFamilyPro” different from other insurance plans?
“eFamilyPro” is a term life insurance plan providing life protection, allowing the Life Insured to support his/her family no matter the circumstance.
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 according to the prevailing rate table applicable to this class of policies.
Would my claim under this policy be affected if I already purchased a life insurance plan issued by another insurance company?
Claims you receive from other insurance companies will not affect the benefit amount payable to you through “eFamilyPro”.
Remark(s)
*Based on the sum insured of HK$500,000 for a 18-year-old non-smoking female
- 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. - Please refer to Policy Provisions (https://www.hangseng.com/content/dam/hase/config/bde/pws/Insurance/pdfs/eFamilyPro/eFamilyPro_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/. - The maximum aggregate sum insured that each life insured could apply for eFamilyPro Insurance Plan and eCancerPro 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. - Eligibility • eFamilyPro Life 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 (“yuu”) 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. eFamilyPro Life 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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