eFamilyPro Life Insurance Plan

eFamilyPro is a term life insurance plan providing life protection, allowing the Life Insured to support his/ her family no matter the circumstance. You can apply for eFamilyPro via “Hang Seng Insurance’s” designated online insurance application platform, making the process simple and convenient.

Once you complete the online 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 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 Hang Seng Bank postal address once your application is approved. This simplified process frees you from the hassle of typical insurance applications. You can also call eFamilyPro hotline at 2998 8038 for queries.

Differing from other life insurance policies, premium for a term life insurance policy 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 term life insurance policies. Premiums for eFamilyPro are payable monthly by direct transfer from your Hang Seng Bank account or by Hang Seng credit card, depending on your preference.

Should the Life Insured pass away, the beneficiary(ies) may receive the Death Benefit in a lump sum. Such benefit will be paid by cheque or directly transfer to the personal account of the Policyholder.

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

The Policyholder of eFamilyPro is entitled to a Conversion Privilege. Before the insured reaches the Insurance Age of 60, you may convert the eFamilyPro policy into a life or endowment policy. However, the Sum Insured of the new policy may not exceed that of the existing eFamilyPro plan at the time of policy conversion, and such new policy must be a prevailing product determined by "Hang Seng Insurance" at the time of conversion.

Yes. If the Policyholder wishes to reduce the Sum Insured, a request can be submitted in writing when the eFamilyPro policy is in effect. Upon acceptance of the application by "Hang Seng Insurance", the Sum Insured and Death Benefit of your eFamilyPro Plan will be adjusted and reduced accordingly.

If you are not satisfied with your policy, you have a right to cancel it within 21 calendar days^* 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.

* If the last day of the period does not fall on a working day, the period will include the next working day.

eFamilyPro is a term life insurance plan with no savings element, as such no cash value is available for future withdrawal under the Plan.

eFamilyPro 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, this policy will be lapsed as on the due date. Please refer to the Important Notes section for details.

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