* ‘4.7% guaranteed maturity return’ refers to the return at the end of 18 months (at maturity) excluding the premium paid, assuming no surrender has been made.The above product is a life insurance plan with savings elements underwritten by ‘ZA Insure’ and is neither a bank deposit nor a bank savings plan, and intended for sale in the HKSAR only. Policyholders are subject to Generali’s credit risk and may suffer loss for early surrender. Please refer to the product brochure and the policy provisions for the detailed features & T&Cs.
Insurance with good value for money in Hong Kong
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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 3, 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 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.
 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.
 Cost Performance Ratio = Sum Insured / Annual Premium
 The whole application time may vary. In general, with adequate information prepared, the policy can be issued within 3 minutes.
 If you have any enquiries on the insurance products, you may contact ZA Insure Customer Service Hotline at +852 3665 3636.