eCancerPro Insurance Plan

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 cancer treatment and daily expenses. You can apply for “eCancerPro” via “Hang Seng Insurance’s” specially designed online application platform.

Through the platform, you can apply for this cancer insurance plan anytime, anywhere, making the process simple and convenient.

Once you complete the online eCancerPro Insurance Plan application form, you will be asked to confirm and verify your details on a preview page. "Hang Seng Insurance" will send you a confirmation email on same day, assuring you that your application of this cancer insurance plan will be processed. We will notify you regarding the application notification by SMS within 7-10 working days under normal circumstances, and the policy will be delivered to your postal address once your application is approved. This simplified process frees you from the hassle of typical insurance applications. You can also call "eCancerPro"  hotline at 2998 8038 for queries.

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. Premiums for “eCancerPro” are payable monthly by direct transfer from your Hang Seng Bank account or by Hang Seng credit card, depending on your preference.

If the Life Insured is diagnosed with Carcinoma-in-situ or Early Stage Cancer, a lump-sum payment equivalent to 20% of the Sum Insured will be

paid in advance. A maximum of two claims under different organs can be paid under this benefit. If the Life Insured is diagnosed with Cancer or passes away, a lump-sum benefit equals to the total Sum Insured less any advance payment (if any) will be paid. All payments are made by check.

In general, a claim application together with supporting documents must be submitted to “Hang Seng Insurance” within 90 days after the Life Insured is diagnosed with an illness covered by eCancerPro Insurance Plan by a Registered Doctor. Before submitting the form, please check the coverage and exclusions of the respective policy. Should you have any queries relating to claims, please call “Hang Seng Insurance” eCancerPro Insurance Plan’s Claims Services Hotline at 2288 6992, and our customer service officer will be pleased to provide you with assistance.

Claims you receive from other insurance companies will not affect the benefit amount payable to you through “eCancerPro”.

“eCancerPro” does not have waiting period or survival period requirements, meaning if the Life Insured is diagnosed with a covered illness, he/she can make a claim immediately after his/her policy becomes effective. The Life Insured does not need to survive for a specified period from the date of diagnosis for the claim to be paid, allowing him/her to obtain timely cancer treatment. However, any covered illness diagnosed prior to the Issue Date of the policy is excluded from coverage. Please refer to the Key Exclusions section for details.

You can share the cancer protection 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 your cancer insurance 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.

If you are not satisfied with your policy, you have a right to cancel it within 21-calendar days^[2] cooling-off period by returning the policy surrender form and obtain a refund of any premiums and premium levy paid. After the cooling-off period, the Policyholder may request for policy surrender (i.e. policy cancellation) by returning the policy surrender form at any time, after which the policy will terminate. As there is no savings element (i.e. cash value) in the policy, no premiums paid will be refunded upon policy surrender.

You can call our hotline at 2596 6262 for queries. If you are a Hang Seng Bank e-Banking customer, you can also manage your policy(ies), check policy information and submit your application 24/7 via the Hang Seng Bank e-Banking website.