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This hyperlink will bring to you to another website on the Internet, which is published and operated by a third party which is not owned, controlled or affiliated with or in any way related to Standard Chartered Bank (Hong Kong) Limited or any member of Standard Chartered Group ( the "Bank").

The hyperlink is provided for your convenience and presented for information purposes only. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein.

The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link.

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Terms and Conditions for Critical Illness Protection

Promotion Terms & Conditions

1. The promotion period is between 3 Oct 2024 and 31 Dec 2024 (both days inclusive) (the “Promotion Period”).

2. Critical Illness Protection is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”) which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (the “Bank”) is an insurance agent appointed by MSIG. To the extent permissible by law, the Bank shall not be liable to any person for the use of any of the information provided by MSIG.

3. The promotional offer is available to all clients upon successful application and payment made for and be issued with Critical Illness Protection of MSIG during the Promotion Period (“New Purchase”) through the Bank (“Eligible Client”).

4. During the Promotion Period, Eligible Client successfully applying Critical Illness Protection will be entitled to below offer:

Net annual premium spent

(net of any discount)

 First year premium discount Extra offer
HK$2,000 – HK$4,000 Enter promotion code “SCBOFFER” to enjoy 10% premium discount $200 supermarket coupon (“Coupon”)
HK$4,001 or above $400 supermarket coupon (“Coupon”)

5. The premium discount for Critical Illness Protection is only applicable to the first year premium of the policy.

6. The discounted premium and Coupon are not exchangeable for cash, other item or voucher of other denomination.

7. Eligible Client who has applied for the New Purchase through online must contact MSIG service hotline at (852) 3122 6722 and provide mailing address for the Coupon (office hours: Monday to Friday 9:00 am to 5:30 pm, except public holidays). The Coupon will be mailed to the Eligible Client’s registered address after 6-8 weeks from the month of successful enrolment of the New Purchase. Coupon is subject to first-come-first-served basis while stocks last.

8. The Bank and MSIG reserve the right to alter or terminate the promotional offer and/or amend its terms and conditions at any time without notice.

9. All matters or disputes in relation to the promotional offer and the interpretation of its terms and conditions shall be subject to the decision of the Banks and MSIG, which shall be final and binding.

10. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and any details of the Promotion, the English version shall prevail.

11. Customers understand and accept that the Bank and MSIG are not the supplier of the Coupons. The Bank and MSIG shall bear no liability relating to any aspect of the Coupons, including without limitation, their quality, the supply, the descriptions of goods and / or services provided by its supplier, any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Coupons provided by the supplier, its officers or agents. The Coupons are subject to the terms and conditions imposed by the supplier.

12. These terms and conditions apply to the promotional offer for Critical Illness Protection Insurance only and no reference has been made to any other MSIG insurance policy or any coverage or content thereunder. Customers must read, understand and agree to the terms of all insurance policies before applying for the relevant insurance.

Collection of Levy on Insurance Premium: Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1 January 2018.  For further information, please visit www.ia.org.hk/en/levy.