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Insurance with good value for money in Hong Kong

Everyone should get protected. 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]

Get covered
in minutes,
in one app

The application goes 100% from your mobile phone, and you can get insured in as fast as 3 minutes. Yes, getting insurance is easier than ever. [3]
ZA Bank App currently offers ‘ZA Life Protection’, ‘ZA Cancer Protection’ and ‘ZA Heart Attack & Stroke Protection’. No medical exams. Premium not affected by family’s medical history.
How to apply in the ZA Bank App?
Get insured in minutes. No medical exams. Premium not affected by family’s medical history.

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 (with business name as ZA Bank) 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.

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 Limited and you out of the selling process or processing of the related transaction, ZA Bank Limited will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the product should be resolved directly between ZA Insure and you.

ZA Insure would provide ZA Bank commission as remuneration for distribution of the products.

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

[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.