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    Medical & Critical Illness

    Medical

    EasyRefund 100% Global Hospital Cash Plan (3-Year)

    • Provides Daily Hospital Cash Benefit with up to 103% refund of Total Premiums Paid upon policy maturity with no claim ever made
    • Irrespective of any claims made, full refund of the Total Premiums Paid is payable upon 3-years policy maturity
    • Offers global coverage including Extra Hospital Cash Benefit if admission to ICU is needed
    Apply now
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    Terms and Conditions apply, please note the relevant product risks, EasyRefund 100% Global Hospital Cash Plan (3-Year) is underwritten by Hang Seng Insurance Company Limited.

    Voluntary Health Insurance Scheme Series

    • Offers up to HKD40M annual benefits
    • Enhanced cover including unknown pre-existing conditions1
    • Eligible for tax deduction2
    View details
    Certified under the Voluntary Health Insurance Scheme by the Health Bureau of Hong Kong. Underwritten by HSBC Life (International) Limited. T&Cs apply. Please note the relevant product risks and credit risks.

    Critical Illness

    LifeBetter Critical Illness Life Insurance Plan

    • Protects you against 132 illnesses in different stages and the Multiple Claims Major Illness Benefit covers the top 3 major Critical Illnesses
    • Providing Guaranteed Cash Value and a non-guaranteed Special Dividend to enhance your wealth
    • Built-in life protection 
    View details
    LifeBetter Critical Illness Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited.

    Tools

    Online document submission

    You can submit the required supporting documents online with ease and convenience.
    Submit now

    Make a claim

    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.

    View details

    Call us

    Life Insurance

    (852) 2198 7838

    Service hours:

    Mon to Fri: 9:00am to 5:30pm

    Sat: 9:00am to 1:00pm

    Closed on Sunday and Public Holidays

    General Insurance

    (852) 2998 9888

    Service hours:

    24 hours, enquiry only

    Medical Insurance

    (852) 2998 9886

    Service hours:

    Mon to Fri: 9:00am to 7:00pm

    Sat: 9:00am to 1:00pm

    Closed on Sunday and Public Holidays

    Need more help?

    Visit our branches

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    Footnote

    Other points to note

    1. Hang Seng Bank Limited shall have the right in accordance with the related guideline from regulators and relevant regulations to reject all insurance applications accepted retrospectively and to cease acting as agent of that policy accordingly.
    2. Voluntary Health Insurance Scheme Series are underwritten by HSBC Life, which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank is an insurance agency authorised by HSBC Life for the distribution of the above plans. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

    Remarks

    1. Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is earlier. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Application is subject to HSBC Life (International) Limited ("HSBC Life"). Please refer to the policy provisions for the full terms and conditions.
    2. The tax deductions mentioned in the webpage are only available to Hong Kong taxpayers. The information shown on this webpage is for illustrative purposes only. It is not intended to provide any form of tax advice. Hang Seng Bank Limited or HSBC Life does not provide tax advice. You are advised to exercise caution in relation to tax matters and this webpage. If you are in doubt about any of the contents of this webpage, you should obtain independent professional advice. Please note that the tax law, regulations and/or interpretations are subject to change and may affect any related tax incentives including the eligibility criteria for a tax deduction. Hang Seng Bank Limited or HSBC Life is not responsible for informing you about any changes in laws, regulations or interpretations, and how they may affect you.
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