Please refer to relevant product page of the respective insurance plan for the Appointed Licensed Insurance Agency. Please refer to the policy documents for full terms and conditions of Eligible Life Insurance Plan(s), and the product leaflet of Hong Kong Life's life insurance plans for product information. Before applying for any life insurance plan, clients should carefully read and understand the contents and terms of the policy documents. Clients should also seek independent and professional advice before making any decision.

Terms and Conditions of "Family Guardian Refundable Hospital Income Protection Plan" - Client Promotion Incentive (Exclusive for Online Application)

          General Terms and Conditions:

1. "Family Guardian Refundable Hospital Income Protection Plan" - Client Promotion Incentive (Exclusive for Online Application) (the "Incentive") consists of 1) First Year Premium Discount of Basic Plan of relevant Eligible Life Insurance Plan of Hong Kong Life Insurance Limited ("Hong Kong Life"); and 2) Coffee Coupon Rewards.
2. The Promotion Period of the Incentive is from 29 December 2023 to 30 June 2024 (both dates inclusive) ("Promotion Period").
3. To be eligible for the Incentive, the application for any of the Eligible Life Insurance Plan should be submitted through online channels, including but not limited to mobile app, Hong Kong Life's website, and Hong Kong Life Client Corner within the Promotion Period.
4. Unless otherwise stated, the Incentive cannot be enjoyed in conjunction with any other incentive(s) offered by Hong Kong Life.
5. Hong Kong Life reserves the right to change or terminate the Incentive and amend any terms and conditions of the Incentive at any time without giving prior notice to clients or reason therefor. For the avoidance of doubt, the Incentive applicable to the eligible policy issued prior to such variation, suspension or termination of the Incentive will remain unaffected.
6. Clients should refer to the Product Section of Hong Kong Life website, the policy, proposal and product leaflet and any other relevant documents of Hong Kong Life's life insurance plans for relevant product information, contents, terms and conditions. This promotion describes the details of the Incentive only, it does not refer to any coverage, exclusions, risk disclosure, contents nor terms and conditions of the Eligible Life Insurance Plan(s). Clients should read, fully understand and accept the coverage, exclusions, risk disclosure, contents, terms and conditions of the policies and proposals before applying for any Eligible Life Insurance Plan(s) inclusive of the Incentive.
7. This Incentive and its relevant terms and conditions are applicable within the Hong Kong Special Administrative Region only and governed by the law of Hong Kong.
8. If there is any discrepancy or inconsistency between the English version and the Chinese version of this promotion, the English version shall prevail.
9. Hong Kong Life reserves the right of final decision in case of any dispute.
   
   Specific Terms and Conditions of First Year Premium Discount Incentive:
10. Subject to the General Terms and Conditions and the Specific Terms and Conditions herein, clients who fulfill all of the following requirements will be entitled to the First Year Premium Discount of Basic Plan of the Eligible Life Insurance Plan as shown in the Incentive Table : (i) the application for any Eligible Life Insurance Plan(s) in the Incentive Table of Hong Kong Life is submitted successfully during the Promotion Period; and (ii) the policy being successfully issued.
11. The First Year Premium Discount is applicable to the premium of the basic plan of the Eligible Life Insurance Plan only and does not apply to any riders thereof.
12. Annualized First Year Premium is counted per policy and does not include any riders. Annualized First Year Premium is the total amount of first year premium to be paid in respect of the basic plan of the Eligible Life Insurance Plan.
13. If the Annualized First Year Premium is not an integer, such figure will be rounded off to the nearest integer for the purpose of calculating the First Year Premium Discount on the Basic Plan of the Incentive that client can enjoy.
14. The amount of the First Year Premium Discount will be calculated in the currency under which the Eligible Life Insurance Plan is denominated.
15. Clients can pay the net initial premium (premium after deducting the premium discount amount) when they submit the applications.
16. In case of any conversion of any Eligible Life Insurance Plans to non-Eligible Life Insurance Plans, changes made to the classes of Daily Hospital Income or any changes made by clients in the first policy year, which results in the premium discount of the Incentive being lower than the discount before the conversion or the relevant Incentive requirement being no longer applicable, Hong Kong Life reserves the right to disqualify such client's entitlement to the Incentive and to seek compensation for the amount of the Incentive already granted to such client.
17. The First Year Premium Discount is not applicable to policies withdrawn during the cooling-off period. In such case, clients would receive a refund of any premium(s) (net premium after deduction of premium discount amount) and levy(ies) paid (both in the original payment currency) to Hong Kong Life, without any interest.
18. The First Year Premium Discount is non-transferable and cannot be redeemed for cash and the Incentive is not applicable to the premium on renewal of the existing policy. The premium discount amount can only be used for paying the premium of Eligible Life Insurance Plan in the Incentive Table.
19. The premium discount amount is not eligible for tax deduction. For details of the tax deduction, please refer to relevant product leaflet and the website of the Inland Revenue Department of the Hong Kong Special Administrative Region.
    
    Specific Terms and Conditions of Coffee Coupon Rewards:
20. Subject to the General Terms and Conditions and the Specific Terms and Conditions herein, after the policy of the Eligible Life Insurance Plan in Incentive Table being successfully issued and the Annualized First Year Premium of Basic Plan of such policy being not less than HKD1,000, clients may enjoy HKD50 coffee coupon (the "Coupon").
21. In case of any conversion of basic plan of the Eligible Life Insurance Plan(s) to other life insurance plan(s) or any changes made by the client in the first policy year, which results in the requirements to enjoy the Coupon being no longer applicable, Hong Kong Life reserves the right to disqualify such client's entitlement to the Coupon and seek redress for the value of Coupon granted to such client.
22. Clients would not be entitled to the Coupon if they withdraw their policies during the cooling-off period.
23. The Coupon will be delivered by post or email after the cooling off period of the policy of the Eligible Life Insurance Plan, given that the policy must be inforce.
24. Hong Kong Life shall under no circumstances (including mailing / email process) re-issue or exchange the Coupon if stolen, lost, undelivered or expired and shall assume no responsibility therefor whatsoever.
25. Under no circumstances can the Coupon be converted into cash.
26. If the Coupon is cancelled or terminated or unavailable for any reason(s), Hong Kong Life shall have the full and absolute right to replace it with alternative gifts or coupons without giving prior notice to the clients.
27. Hong Kong Life is not the supplier of the Coupon and the use of the Coupons is subject to the terms and conditions stipulated by the supplier. Hong Kong Life shall not be held responsible in relation to the terms and conditions and any other relevant matters relating to the Coupon.

For enquiry about the Life Insurance Plan, please call Hong Kong Life Customer Services Hotline at 2290 2882.