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Insurance with good value for money in Hong Kong

Everyone should get protected. For the new generation that uses smartphones much longer than personal computers, Internet Banking can be easily processed through mobile phones, it is also common to apply the insurance online.

Partnering with ZA Insure, ZA Bank offers life insurance up to HKD 10 million, the highest sum insured among HK’s virtual insurers for now. [1]

In terms of cost performance ratio, you’ll be insured with more than HKD 3,125 life protection for every HKD 1 premium.[2]
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Get covered
in minutes,
in one app

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The application goes 100% from your mobile phone, and you can get insured in as fast as 3 minutes through the mobile apps. Yes, getting insurance is easier than ever. [3]

Customers can also seek assistance at any time during the application process.[4]
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ZA Bank App currently offers ‘ZA Life Protection’, ‘ZA Cancer Protection’, ‘ZA Heart Attack & Stroke Protection’, ‘ZA VHIS’ and ‘ZA Savings Insurance 5’ to provide you different coverages and to meet the needs at different stages.
How to apply in the ZA Bank App?
Get insured in minutes. No medical exams. Premium not affected by family’s medical history. You may gain good understanding of the protection of each insurance product at ZA Bank App by yourself. You may choose an insurance product that suits your needs and budget.
FAQ

Insurance products are underwritten by ZA Life Limited (with business name as ZA Insure) which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. ZA Bank Limited is a licensed insurance agency (license number GA1009) authorised by ZA Insure.

All insurance applications are subject to ZA Insure’s underwriting and acceptance. Please refer to the Product Brochure for detailed product features and provisions issued by ZA Insure for detailed terms and conditions.

ZA Life Protection, ZA Cancer Protection, ZA Heart Attack & Stroke Protection are life insurance plans without savings elements underwritten by ZA Insure.

ZA VHIS is an indemnity hospital insurance plan certified (S00045-01-000-01) under Voluntary Health Insurance Scheme (“VHIS”) underwritten by ZA Insure.

ZA Savings Insurance 5, is a life insurance plan with savings elements underwritten by ZA Insure. It is a limited offer, and ZA Insure reserves the right to accept or decline any application subject to the plan’s availability.

All the above products are not products of ZA Bank, bank deposits or bank savings plans. Part of the premium pays for the insurance and related costs. Policyholder is subject to the credit risk of ZA Insure.

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 ZA Bank and you out of the selling process or processing of the related transaction, ZA Bank is required to enter into a Financial Dispute Resolution Scheme process with you. Any disputes over the contractual terms of the ZA Insure’s insurance products, ZA Bank will make every effort to provide assistance.

[1] refers to 5-year and 10-year of ZA Life Protection for applicants aged between 28 and 65 with the comparison to term life insurance products in the market; ‘Good value for money’ refers to the best cost performance ratio in Hong Kong, and it’s based on a market survey on term life insurance products conducted on 21 April 2021.

[2] Cost Performance Ratio = Sum Insured / Annual Premium

[3] The whole application time may vary. In general, with adequate information prepared, the policy can be issued within 3 minutes.

[4] If you have any enquiries on the insurance products, you may contact ZA Insure Customer Service Hotline at +852 3665 3636.