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From now until 31 December 2024, successfully apply for EasyRefund 100% Global Hospital Cash Plan (3-Year) to enjoy a free wellness service (worth HKD$870).
EasyRefund 100% Global Hospital Cash Plan (3-Year) (“EasyRefund” or “the Plan”) is a premium refundable hospital cash life insurance plan underwritten by Hang Seng Insurance Company Limited (“Hang Seng Insurance”). Neither bank deposit nor banking savings plan, the Plan provides Daily Hospital Cash Benefit[2] and gets up to 103% refund of the Total Premiums Paid if no claim for any Supplementary Benefits[1] has been made upon 3-year policy maturity, and 100% refund even if claim(s) is made. Simply apply online to prepare for unforeseen hospitalisation, no medical examination needed.
Only 3 simple steps to apply online – Quote > Apply > Payment
This plan offers a Policy Term of 3 years with Total Premiums Paid refundable irrespective of any claims of Supplementary Benefits[1] made. Annual payment or Monthly payment are available which cope with your needs flexibly.
If no Supplementary Benefits[1] claim is made, can obtain up to 103% refund of Total Premiums Paid upon 3-year policy maturity. Even if a claim is made, you can still get 100% premium refund.
Payment mode
Premium refund if no claim is made (as % of Total Premiums Paid)
Premium refund if a claim is made (as % of Total Premiums Paid)
Annual mode
103%
100%
Monthly mode
101%
100%
Daily Hospital Cash Benefit [3] payable for Hospital Confinement due to Bodily Injury, Sickness, Disease or Illness [2]. You can choose from 4 levels of Daily Hospital Cash Benefit from HKD300 to HKD1,500 for consideration. If admission to Intensive Care Unit is needed, Extra Hospital Cash Benefit [4] will be paid.
Daily Hospital Cash Benefit
Extra Hospital Cash Benefit
Plan A
HKD300
HKD300
Plan B
HKD600
HKD600
Plan C
HKD1,000
HKD1,000
Plan D
HKD1,500
HKD1,500
Daily premium is as low as HKD12[5]. You can pay premiums either annually or monthly to fit your needs .
No matter where you are, if you need Hospital Confinement[2] due to a Bodily Injury or a Sickness, Disease or Illness and such confinement is certified by a Registered Doctor to be Medically Necessary, a Daily Hospital Cash Benefit[3] will be offered. With admission to Intensive Care Unit (ICU) during Hospital Confinement, an Extra Hospital Cash Benefit[4] shall be paid.
While the policy is in force, in the unfortunate event of death of the Life Insured, the beneficiary will receive the Death Benefit equivalent to 100% of the Total Premiums Paid.
In the event of the Life Insured's death due to Accident, an additional Accidental Death Benefit equivalent to 100% of the Total Premiums Paid under the Basic Plan will be paid.
Once paying the Death Benefit or Accidental Death Benefit compensation, the policy will be terminated accordingly.
Miss Chan, aged 30, has experienced paying for a considerable amount of unexpected expenses when her parents were hospitalised by accident. Thus, she realised that it is very important to have a Global Hospital Cash Plan. Miss Chan applied for Plan C of EasyRefund 100% Global Hospital Cash Plan (3-Year) (Daily Hospital Cash Benefit: HKD1,000) with part of her monthly income to ease the financial burden brought by being unable to work due to hospitalisation. She will get full premium refund upon policy maturity even claims are made under the plan.
Policy starts
Monthly premium: HKD1,520
6 months later
Miss Chan suffered from pelvic fractures and minor intracranial haematoma as she has a traffic accident when she was traveling in the United Kingdom. After being diagnosed by a Registered Doctor, she was admitted into a local hospital for examinations and treatments[2] for 40 days. She also stayed in the ICU for 5 days.
2 years later
Miss Chan sought medical consultation at a private hospital for treatment[2] due to stomachache. She was hospitalised for 5 days to receive Gastroscopy and Colonoscopy checkup, this confinement is certified by a Registered Doctor to be Medically Necessary.
3 years later
Receive HKD54,720 upon policy maturity at the third year (Obtain full refund of Total Premiums Paid)
Among the 3-year Policy Term, Miss Chan can receive:
Total amount HKD104,720, equals to 191% of Total Premiums Paid in 3 years[6]
Miss Chan can obtain full refund of Total Premiums Paid upon 3-year policy maturity even claim has been made. This plan offers her coverage for loss of income, even during her period of hospitalisation oversea. This plan offers Miss Chan HKD104,720 as total amount of premium refund and benefits claimed (191% of Total Premiums Paid).
| Total protection received | Amount |
|---|---|
100% refund of Total Premiums Paid upon 3-year Policy Maturity |
HKD54,720 (HKD1,520 x 12 months x 3 years) |
Benefit claimed (Daily and Extra Hospital Cash Benefit) |
HKD50,000 (HKD45,000 + HKD5,000) |
Mr. Wong, aged 50, is worried that he will be hospitalised more often as he is getting older, which may cause him loss of income and increased daily expenses. But his insurance plans currently hold may not fulfil his needs. Thus, Mr. Wong applied for Plan D of EasyRefund 100% Global Hospital Cash Plan (3-Year) (Daily Hospital Cash Benefit: HKD1,500) in annual payment mode to ease the financial burden of hospitalisation.
Policy starts
First year premium: HKD35,760
Year 2
Second year premium: HKD35,760
Year 3
Third year premium: HKD35,760
3 years later
Receive HKD110,498 upon policy maturity at the third year (103% of Total Premiums Paid)
Fortunately, Mr. Wong had not been hospitalised in the 3 years therefore no claim has been made during the policy years. He could receive a lump-sum amount of HKD110,498 (103% of Total Premiums Paid) upon policy maturity. This plan not only allows him to enjoy additional 3% refund on top of the premiums he had paid but also ease the anxiety of affecting his income due to hospitalization at the same time. [6]
If no claim is made, you can obtain up to 103% refund of Total Premiums Paid upon 3-year policy maturity. Even when a claim is made, you can still receive 100% premium refund. Please refer to below table for details.
Payment mode
Premium refund if no claim is made (as % of Total Premiums Paid)
Premium refund if a claim is made (as % of Total Premiums Paid)
Annual mode
103%
100%
Monthly mode
101%
100%
EasyRefund 100% Global Hospital Cash Plan (3-Year) currently only accepts online applications.
Yes. This plan is applicable to any region.
If the Hospital Confinement occurs in mainland China (excluding the Hong Kong SAR, the Macau SAR and Taiwan), we will only pay Daily Hospital Cash Benefit[3] and/or Extra Hospital Cash Benefit[4] under this policy if the medical services are provided in the hospitals that are formally assessed and rated by the National Health Commission of the People's Republic of China or local governments’ health commissions of the People's Republic of China as a “Class III Grade A” hospital or above.
Yes, as long as the total Sum Insured of EasyRefund 100% Global Hospital Cash Plan (3-Year) is no more than HKD1,500, you may apply online for more than one policy of this plan. For non-income earner (i.e. homemaker / students / retirees and unemployed), the maximum coverage is HKD1,000.
You can refer to the below tables with the maximum claim of the benefits and related benefit / policy termination conditions.
Once reaching the maximum number of claim, the Supplementary Benefit[1] will immediately and automatically cease. However, the policy is still in-force, and other benefit will not be affected.
| Benefits | Maximum number of day to be claimed for each policy |
|---|---|
| Daily Hospital Cash | 300 Days |
| Extra Daily Hospital Cash | 60 Days |
Once paying the Death Benefit or Accidental Death Benefit compensation, the policy will be terminated accordingly.
| Benefits | Time to be claimed for each policy |
|---|---|
| Death Benefit |
1 time |
| Accidental Death Benefit |
1 time |
During each policy year of the policy, the cumulative maximum number of days of Hospital Confinement for which Daily Hospital Cash Benefit is payable shall not exceed one hundred 100 days. During the whole Policy Term of the policy, the cumulative maximum number of days of Hospital Confinement for which Daily Hospital Cash Benefit is payable per policy shall not exceed three hundred 300 days.
If the Hospital Confinement occurs in a place[8] other than listed as a Benefit Area[7], the amount payable for Each Day of Daily Hospital Cash Benefit will be limited to 50% of the benefit amount and the cumulative maximum number of days of Hospital Confinement for which Daily Hospital Cash Benefit is payable per policy shall not exceed 30 days during the whole Policy Term of the policy.
The Daily Hospital Cash Benefit and Extra Hospital Cash Benefit will immediately and automatically cease once total claims of Daily Hospital Cash Benefit reach 300 days of Hospital Confinement.
For Each Day of Hospital Confinement, the Extra Hospital Cash Benefit will be paid only when the Daily Hospital Cash Benefit is eligible to be paid.
During the whole Policy Term of the policy, the cumulative maximum number of days of Hospital Confinement (which admission to Intensive Care) for which Extra Hospital Cash Benefit is payable per policy shall not exceed 60 days.
If the Hospital Confinement occurs in a place[8] other than listed as a Benefit Area[7], the amount payable for Each Day of Extra Hospital Cash Benefit will be limited to 50% of the benefit amount and the cumulative maximum number of days of Extra Hospital Cash Benefit is payable per policy shall not exceed 30 days during the whole Policy Term of the policy.
The Extra Hospital Cash Benefit will immediately and automatically cease once total claims of Daily Hospital Cash Benefit reach 300 days of Hospital Confinement.
Daily Hospital Cash Benefit and Extra Hospital Cash Benefit are subject to 30 days waiting period – Cover Sickness, Disease or Illness occurring at least 30 days after the policy date or the effective date of reinstatement, whichever is later.
Once you complete the online EasyRefund application form, you will be asked to confirm and verify your details on a preview page. The same day, a confirmation email will be sent to the email address you provided in your application, assuring you that your application of this plan has been received.
We will notify you regarding the application notification by sending a SMS to your default mobile number on record at Hang Seng Bank after 7 to 10 working days under normal circumstances. Once the policy has been successfully issued, you can view the policy details and policy pack by logging on Hang Seng Bank Personal e-Banking (Desktop) > "Insurance" > "My insurance". If you haven't registered for Hang Seng Bank Personal e-Banking, a paper version of the policy pack will also be prepared for you. This simplified process frees you from the hassle of typical insurance applications.
You could also log on Hang Seng Personal e-Banking or Hang Seng Personal Banking mobile app to manage and inquire about your policy details on the "My Insurance" page anytime 24/7 once your policy is approved. You can call our hotline at (852) 2596 6262 during office hour for queries.
The Plan offers a grace period of 30 days for payment of any premium when due. If a premium is not paid by the end of the grace period, the policy will immediately lapse.
If you are not satisfied with your policy, you have the right to cancel it within 21 calendar days cooling off period by returning the policy surrender form and obtain a refund of any premium and premium levy paid. After the cooling-off period, the policy holder may request for policy surrender (i.e. Policy cancellation) by returning the policy surrender form at any time, after which the policy will terminate.
If the customer cancels his or her policy after the cooling off period, regardless of any claims made previously, the premium based on the corresponding schedule below will be refunded, provided the policy is still in force on the day of policy surrender.
Effective Date of Surrender, Lapse, Termination
Premium refund if no claim is made (as % of Total Premiums Paid)
Premium refund if a claim is made (as % of Total Premiums Paid)
Before 1st Policy Anniversary
70%
70%
On or after 1st Policy Anniversary and before 2nd Policy Anniversary
70%
70%
On or after 2nd Policy Anniversary and before Policy Maturity
70%
70%
On the Benefit Cessation Date – Annual mode (i.e. Maturity)
103%
100%
On the Benefit Cessation Date – Monthly mode (i.e. Maturity)
101%
100%
You can find all the forms and documents here for our insurance products.
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