Mannings PharmaCare (the "Health Service") is provided by Mannings ("Service Provider"). For details of the Health Service, please contact the Service Provider directly. All products and services are offered by the Service Provider and its contracted parties. The Service Provider is not an agent of Hong Kong Life and does not act on behalf of Hong Kong Life. The Service Provider is not an insurance intermediary and does not provide insurance advice or services. Hong Kong Life shall make no representation, warranty or undertaking as to any of services provided by the Service Provider and its contracted parties and shall not be liable for any fault, negligence and/or default in the services provided by such service providers. Hong Kong Life, CMB Wing Lung Bank Limited, OCBC Bank (Hong Kong) Limited, and Shanghai Commercial Bank Limited are not the service provider of the Health Service, and will therefore not assume any responsibility arising from or in connection with the Health Service (including but not limited to any conditions incurred by the Health Service). Clients should seek professional medical advice if needed.

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

Terms and Conditions of Hong Kong Life "Healthcare at Ease":

1. Hong Kong Life "Healthcare at Ease" (the "Client Promotion") offers Mannings PharmaCare (the "Health Service"), provided by Mannings (the "Service Provider") which is owned by The Dairy Farm Company, Limited.
2. The promotion period of the Client Promotion is from 2 May to 30 September 2025 (both dates inclusive)(the "Promotion Period").
3. To be eligible for the Health Service, clients must fulfill all of the following requirements: i) with successful applications submitted as an individual within the Promotion Period for the Eligible Life Insurance Plans underwritten by Hong Kong Life Insurance Limited ("Hong Kong Life"); (ii) the Annualized First Year Premium of basic plan being not less than HKD80,000 (or equivalent); and (iii) the policy being successfully issued.
4. An Eligible Life Insurance Plan means any life insurance plan underwritten by Hong Kong Life except Fortune Plus III Savings Insurance Plan and Retire-at-Ease II Deferred Annuity Plan.
5. The Health Service is not applicable to companies as policy holders.
6. If the clients submit more than one application for the Eligible Life Insurance Plan with the same life insured, only the policy of the Eligible Insurance Plan with the earliest issue date would be entitled to the Health Service once.
7. For non-HKD policy currencies, the exchange rate below will be applied to determine its equivalent premium, rounding off to the nearest integer:

   Policy Currency (to 1 unit of the currency)	AUD	CAD	EUR	GBP	NZD	RMB	SGD	USD
   Exchange Rate (HKD)	5	5	8	10	5	1.1111	5	8

   For example: HKD18,000 of Annualized First Year Premium is equivalent to AUD3,600 of Annualized First Year Premium.

8. In case of any changes made by clients in the first policy year, which results in the requirement for the Health Service not being fulfilled, Hong Kong Life reserves the right to disqualify such client's entitlement to the Health Service and such client agrees to reimburse Hong Kong Life for the value of the Health Service already granted to such client upon request.
9. To be entitled to the Health Service, the policy of the Eligible Life Insurance Plan must be successfully issued by 31 October 2025.
10. The Health Service is not part of the product features of the Eligible Insurance Plans of Hong Kong Life.
11. The Service Provider reserves the right to change, suspend, cancel or terminate the Health Service at any time without prior notice. If the Health Service is changed, suspended, cancelled or terminated for any reason(s), Hong Kong Life shall have the full and absolute right to replace it with alternative services or gifts without giving prior notice to clients.
12. The Health Service is provided by the Service Provider. Hong Kong Life, CMB Wing Lung Bank Limited ("CMB Wing Lung Bank"), OCBC Bank (Hong Kong) Limited ("OCBC Bank"), and Shanghai Commercial Bank Limited ("Shanghai Commercial Bank") are not the Service Provider of the Health Service. Hong Kong Life, CMB Wing Lung Bank, OCBC Bank, and Shanghai Commercial Bank gives no representation, warranty and guarantee of whatsoever nature (whether express or implied) to any person on or in connection with the Health Service and shall have no liability relating to any aspect of the Health Service (including but not limited to service quality or test results or consultation service provided by the Service Provider) and/or the collection and use of the Health Service user's personal data by the Service Provider. Should there be any dispute or complaint or claim (if any) with regards to the Health Service, clients should make such demand or complaint or claim directly to the Service Provider.
13. The use of the Health Service is subject to the terms and conditions stipulated by the Service Provider. Hong Kong Life, CMB Wing Lung Bank, OCBC Bank, and Shanghai Commercial Bank shall not assume any responsibility whatsoever (i) in relation to the terms and conditions and any other relevant matters relating to the Health Service, and (ii) in the event that the Service Provider suspends, changes, cancels or terminates the use of the Health Service for any reason, or refuses to honor the Health Service.
14. Hong Kong Life, CMB Wing Lung Bank, OCBC Bank, and Shanghai Commercial Bank will have no legal liability or responsibility for any loss or damage including but not limited to property damage or personal injury, howsoever directly or indirectly arising from or in respect of any use of the Health Service.
15. Unless otherwise stated, the Health Service can be enjoyed in conjunction with other incentive(s) of Hong Kong Life, and/or use any premium discount voucher. However, only one premium discount voucher could be used for each policy (if applicable).
16. Hong Kong Life reserves the right to change or terminate the Client Promotion and amend any terms and conditions of the Client Promotion at any time without giving prior notice to clients or reason therefor. For the avoidance of doubt, the Health Service applicable to the eligible policy issued prior to such variation, suspension or termination of the Client Promotion will not be affected.
17. Clients should refer to the website of Hong Kong Life (www.hklife.com.hk), the policy, proposal, 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 Client Promotion only; it does not cover any coverage, exclusions, risk disclosure, contents, 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 Client Promotion.
18. The Client Promotion and their relevant terms and conditions are applicable within the Hong Kong Special Administrative Region ("Hong Kong") only and governed by the laws of Hong Kong.
19. If there is any discrepancy or inconsistency between the English version and the Chinese version of this promotion, the Chinese version shall prevail.
20. Hong Kong Life reserves the right of final decision in case of any dispute.
    

    
    Specific Terms and Conditions applicable to  Mannings PharmaCare ("Health Service"):

21. Subject to the General Terms and Conditions and the Specific Terms and Conditions herein, individual clients who submit an application for any specified Eligible Life Insurance Plan(s) within the Promotion Period, fulfilling relevant premium requirement and given the policy being successfully issued, will be entitled to the Health Service provided by the Service Provider once.
22. The voucher of the Health Service ("Voucher") will be issued with the policy document after the policy being successfully issued. The Voucher would not be re-issued if lost, stolen or damaged.
23. The Health Service includes pharmacist consultation and free medication for once and for one person only. For details and usage of the Health Service, please refer to the relevant Voucher.
24. The Voucher is transferable. In any event, the Voucher cannot be used as cash, redeemed for cash or other services or gifts.
25. The original Voucher must be presented at the time of redemption of the Health Service for verification purpose and the Health Service must be redeemed at the specific location and within the redemption period. The Voucher shall be invalid after its expiry date.
26. The use of such Vouchers is subject to the terms and conditions as stipulated in the Voucher by the Service Provider.

Exchange Rate Risk

You are subject to exchange rate risks for the Policy denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations.

Currency Risk (Applicable to RMB Policy only)

RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to the rules, guidelines, regulations and conditions from the banks and/or Relevant Authorities from time to time. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.                                                                                                                                                      

Liquidity Risk / Long Term Commitment

The Eligible Life Insurance Plan is designed to be held until the Maturity / Expiry Date. If you partially surrender or terminate the Policy prior to the Maturity / Expiry Date, a loss of the premium paid may be resulted. The premium of the Eligible Life Insurance Plan should be paid in full for the whole payment term. If you discontinue the payment, the Policy may lapse and a loss of the premium paid may be resulted. 

Credit Risk of Issuer

The Eligible Life Insurance Plan is issued and underwritten by Hong Kong Life. The premium to be paid by you would become part of the assets of Hong Kong Life and that you and your Policy are subject to the credit risk of Hong Kong Life. In the worst case, you may lose all the premium paid and benefit amount.

Market Risk

(Applicable to policy with dividends only)

The amount of dividends (if any) of the Eligible Life Insurance Plan depends principally on the factors including investment returns, claim payments, policy persistency rates, operation expenses and tax; while the annual interest accumulation rate principally depends on the factors including investment performance and market conditions. Hence the amount of dividends (if any) and annual interest accumulation rate are not guaranteed and may be changed over time. The actual dividends payable and annual interest accumulation rate may be higher or lower than the expected amount and value at the time when the Policy was issued.

(Applicable to policy of Monthly Reward Annuity Plan only)

The amount of Non-guaranteed Monthly Income and dividends (if any) of this Eligible Life Insurance Plan depends principally on the factors including investment returns, claim payments, policy persistency rates, operation expenses and tax; while the annual interest accumulation rate principally depends on the factors including investment performance and market conditions. Hence the amount of Non-guaranteed Monthly Income and dividends (if any) and annual interest accumulation rate are not guaranteed and may be changed over time. The actual Non-guaranteed Monthly Income and dividends payable and annual interest accumulation rate may be higher or lower than the expected amount and value at the time when the Policy was issued.

Non-Guaranteed Benefit

(Applicable to policy of Prosperity V Universal Life Plan only)

The Surrender Value or Death Benefit that will be paid upon Surrender or death of the Life Insured is non-guaranteed and subject to the prevailing Account Value of the Policy, which will be increased as Credited Interest earned and will be decreased as applicable fees and charges deducted. The Guaranteed Crediting Interest Rate is determined by Hong Kong Life on the Policy Date and is guaranteed during the first 3 Policy Years. The General Crediting Interest Rate is not guaranteed and is determined by Hong Kong Life from time to time at its sole discretion. Thus, the non-guaranteed General Crediting Interest Rate can be zero at the worst case. 

Inflation Risk

When reviewing the values shown in the Insurance Proposal, please note that future medical costs / cost of living in the future is likely to be higher than it is today due to inflation.

Non-Protected Deposit

The Eligible Life Insurance Plan is not equivalent to, nor should it be treated as a substitute for, time deposit. The Eligible Life Insurance Plan is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.

Premium Adjustment

(Applicable to policy of Family Care Dread Disease Protection Plan only)

Hong Kong Life has the right to review and adjust this Eligible Life Insurance Plan's premium rates for particular risk classes on Policy Anniversary, but not for any individual customer. Hong Kong Life may adjust premium rates because of several factors, such as Hong Kong Life's claims and persistency experience, historical performance and the future outlook of investment returns, and expenses directly related to and indirect expenses allocated to this Eligible Life Insurance Plan.

(Applicable to policy of VHIS Certified Plan only)

Hong Kong Life has the right to review and adjust this Eligible Life Insurance Plan's premium rates for particular risk classes upon renewal, but not for any individual customer. Hong Kong Life may adjust premium rates because of several factors, such as Hong Kong Life's claims and persistency experience, expenses directly related to and indirect expenses allocated to this Eligible Life Insurance Plan, medical price inflation, projected future medical costs and any applicable changes in benefit.

Tax deduction under the VHIS

The issuance of this plan does not necessarily mean you are eligible for any tax deduction for the premiums you have paid for this plan. Please refer to the website of the Inland Revenue Department ("IRD") or contact the IRD directly for any tax related enquiries. You may also seek independent and professional advice from your tax and accounting advisors.

Dispute on Selling Process and Product

CMB Wing Lung Bank Limited, OCBC Bank (Hong Kong) Limited and Shanghai Commercial Bank Limited (collectively "Appointed Licensed Insurance Agencies") and each individually "Appointed Licensed Insurance Agency") are the Appointed Licensed Insurance Agency of Hong Kong Life, and the life insurance product is a product of Hong Kong Life but not the Appointed Licensed Insurance Agency. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Appointed Licensed Insurance Agency and the customer out of the selling process or processing of the related transaction, Appointed Licensed Insurance Agency is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the life insurance product should be resolved between Hong Kong Life and the customer directly.

Should you have any enquiry on the Client Promotion, please call our Customer Services Hotline at 2290 2882.