Fubon Bank X Fubon Life Insurance Joint Offer

Fubon Refundable Premium Cancer Protection Plan

Fubon Refundable Premium Cancer Protection PlanFrom 20 January 2025 to 30 June 2025, successfully apply for the “Fubon Refundable Premium Cancer Protection Plan” critical illness life insurance plan online to enjoy a Premium Discount of 35% off in the first year with the promotional code "FBGNRC" and enjoy 9X bonus points by paying the first-year premium with a Fubon Bank credit card!

The offer is subject to relevant terms and conditions. Please refer to “Terms and Conditions of the Fubon Refundable Premium Cancer Protection Plan Limited Time Discount” and “Terms and Conditions of the Online Exclusive Fubon Refundable Premium Cancer Protection Plan 9X Bonus Points Reward for Fubon Bank Credit Cardholders” below for details.

*Please be aware of the associated product risks. This insurance plan is underwritten by Fubon Life Insurance Hong Kong.

To borrow or not to borrow? Borrow only if you can repay!

How to protect yourself from Cancer?

Fubon Refundable Premium Cancer Protection Plan (the “Plan”) can help!

Fubon Refundable Premium Cancer Protection Plan is a critical illness life insurance plan embedded with savings elements which offers you comprehensive coverage against cancer. On top of providing you with a lump sum payment upon the diagnosis of cancer, the Plan also offers life protection for added financial security. By paying premiums for just 5 years, you can enjoy 15 years of cancer protection together with life protection. You can choose from 4 Plan Levels for the protection amount to suit your needs on cancer and life protection.

Fubon Refundable Premium Cancer Protection Plan Limited Time Discount

Fubon Refundable Premium Cancer Protection Plan Limited Time DiscountFrom 20 January 2025 to 30 June 2025, successfully enroll in Fubon Refundable Premium Cancer Protection Plan to enjoy the following discount offer (the “Promotion”):

Premium Mode:
i) Monthly: 90% off Initial Premium Discount (applicable for 3-month premium)
ii) Annual: 35% off Initial Premium Discount (applicable for 12-month premium)
To enroll or to learn more:
To enjoy the Promotion, please click here to visit Fubon Life Insurance (Hong Kong) Company Limited (“Fubon Life Hong Kong”)’s online platform and use the promotional code “FBGNRC” to enroll in the Fubon Refundable Premium Cancer Protection Plan.

This Promotion information is provided by Fubon Life Hong Kong. Should there be any enquiries regarding the Promotion or insurance product, please contact Fubon Life Hong Kong Customer Service Hotline 2516 0133 during office hours. Office hours of Fubon Life Hong Kong customer service hotline: Monday to Friday: 9am to 5:30pm.

The Promotion is subject to terms and conditions as set out below. Fubon Bank (Hong Kong) Limited is not responsible for any matters related to the above-mentioned Promotion, and related products and services are between you and Fubon Life Hong Kong. Should there be any dispute over the Promotion, Fubon Life Hong Kong’s decision shall be final and conclusive.

Terms and Conditions of the Fubon Refundable Premium Cancer Protection Plan Limited Time Discount:

The Promotion is offered by Fubon Life Insurance (Hong Kong) Company Limited (“Fubon Life Hong Kong”).
Fubon Life Hong Kong is the underwriter of Fubon Refundable Premium Cancer Protection Plan(“Plan”).
The promotional period is from 20 January 2025 to 30 June 2025, both days inclusive (“Promotional Period”).
The Promotion is applicable to all policyowners who submit their applications for the Fubon Refundable Premium Cancer Protection Plan via the designated link to Fubon Life Hong Kong’s online platform with the promotional code “FBGNRC”, and with the required initial premium, after discount, paid in full within the Promotional Period, and the Policies being approved and issued within 1 month after submission (“Eligible Policy(ies)”).
The 90% premium discount is applicable to the initial premium of the Eligible Policy with monthly premium mode while the 35% premium discount is applicable to the initial premium of the Eligible Policy with annual premium mode.
The applicable initial premium for calculating the premium discount under different premium modes are set out as below:
Premium Mode:
i) Monthly: Applicable initial premium (for calculating premium discount) - 3-month premium
ii) Annual: Applicable initial premium (for calculating premium discount) - 12-month premium
Maturity Benefit and Surrender Benefit will be calculated based on the premium before discount. Please refer to the relevant Product Factsheet for details.
The Promotion is only applicable to Eligible Customers with Hong Kong identity documents and a Hong Kong residential address.
The premium discount is non-transferable and cannot be returned, exchanged for other items or redeemed for cash.
If the Policy is cancelled during the Cooling-off Period, Fubon Life Hong Kong will only refund the actual amount of premium paid by the Policyowner. For details of the Cooling-off Period, please refer to the relevant Product Factsheet.
Fubon Life Hong Kong reserves the right to change any terms and conditions or withhold the offer of the Promotion without prior notice.
Should there be any dispute over the Promotion, Fubon Life Hong Kong’s decision shall be final and conclusive.
If the complaint / dispute is related to the policy terms and conditions, it should be resolved directly between Fubon Life Hong Kong and you. Nevertheless, where practicable and appropriate, Fubon Bank (Hong Kong) Limited will provide reasonable assistance to customers in the dispute resolution process.
Fubon Life Hong Kong reserves the absolute right to accept or decline any application for the Plan based on the information provided by the Applicant at the time of application.
The information on this web page contains general information only. It does not constitute an offer and/or insurance product recommendation. All product information is for reference only. For detailed product features, terms and conditions, key product risks as well as exclusions of the insurance product, please refer to the relevant Product Factsheet and Policy Provisions.
The information on this web page is for publishing in Hong Kong only and is intended for persons located in Hong Kong only and not intended for persons located in jurisdictions which restrict the distribution of information by Fubon Life Hong Kong. In any event, the information in this web page shall not be construed as an offer to sell or solicitation to buy or provision of any insurance of Fubon Life Hong Kong outside Hong Kong.
Fubon Life Hong Kong is authorized by the Insurance Authority to carry out long-term insurance business in Hong Kong. Fubon Life Hong Kong is a private company limited by shares incorporated and registered in Hong Kong and its registered office is situated at Suites 701–705, 7/F, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong.

Important Note
Fubon Bank (Hong Kong) Limited is not a provider of insurance products and services and is not responsible for any matter of the Promotion, relevant insurance products and services.

The Plan is a life insurance product, but not a bank savings plan embedded with a life insurance. The premium is not a placement of a savings deposit with the bank and hence is not protected by the Deposit Protection Scheme in Hong Kong.

Online Exclusive Fubon Refundable Premium Cancer Protection Plan 9X Bonus Points Reward for Fubon Bank Credit Cardholders

Online Exclusive Fubon Refundable Premium Cancer Protection Plan 9X Bonus Points Reward for Fubon Bank Credit Cardholders From 20 January 2025 to 30 June 2025, customers who successfully enroll in the “Fubon Refundable Premium Cancer Protection Plan” with the promotional code “FBGNRC” and settle the initial premium with a Fubon Bank credit card will be eligible to earn 9X credit card bonus points.

Terms and Conditions of the Online Exclusive Fubon Refundable Premium Cancer Protection Plan 9X Bonus Points Reward for Fubon Bank Credit Cardholders (“9X Bonus Points Promotion”):

The Promotion is offered by Fubon Bank (Hong Kong) Limited (“Fubon Bank (Hong Kong)”)
The promotional period is from 20 January 2025 to 30 June 2025, both days inclusive (“Promotion Period”).
No person other than the customer who enjoys the offer and Fubon Bank (Hong Kong) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.
All matters and disputes related to this 9X Bonus Points Promotion will be subject to the final decision of Fubon Bank (Hong Kong) which reserves the right to amend relevant terms and conditions without prior notice.
The 9X Bonus Points Promotion is only applicable to all policyholders who access Fubon Life Hong Kong's online sales platform through the designated link to submit an application for each “Fubon Refundable Premium Cancer Protection Plan” during the Promotional Period with the promotional code “FBGNRC”, policyholders are required to pay the full amount of the required discounted initial premium within the Promotional Period, and policyholders are required to have their policies successfully approved within 1 month from the date of submission (the ‘Eligible Policies’) and pay the premiums by Fubon/YATA credit card (based on the completion date of transaction, issuance date of the approval code and the transaction must be posted by 7 days after the 9X Bonus Points Promotion Period). For every HK$1 card spending, cardholder shall enjoy extra 8 bonus points from the 9X Bonus Points Promotion in addition to the 1 bonus point granted by the Fubon/YATA Credit Card Bonus Point Program. Other transactions including but not limited to renewal premium, cash advance, administration fee, installment plan and finance charges are not eligible for the 9X Bonus Points Promotion. No bonus point will be offered to any unposted, cancelled or refunded transactions.
The applicable initial premium for calculating the 9X Bonus Points Reward under different premium modes are set out as below:
Premium Mode:
i) Monthly: Applicable initial premium (for calculating 9X Bonus Points Reward) - 3-month premium
ii) Annual: Applicable initial premium (for calculating 9X Bonus Points Reward) - 12-month premium
Upon verification and confirmation by Fubon Bank on customers’ eligibility to the reward based on Fubon Bank’s own records, the extra bonus point(s) under the 9X Bonus Points Promotion will be automatically awarded to cardholder’s principal card account (must be valid and in normal status) in June 2025 and/or September 2025, and will be shown on cardholder’s principal card monthly statement. All transactions related to policy cancellations made during the cooling-off period will not be eligible for receiving bonus points.

Policy Submission Date

Extra Bonus Points Award Date

20 January 2025 to 31 March 2025
On or before 30 June 2025

1 April 2025 to 30 June 2025 On or before 30 September 2025

To borrow or not to borrow? Borrow only if you can repay!

Plan highlights:

High-multiplier protection. Value for money.
You can enjoy 15 years of high-multiplier cancer protection with only 5 years of premium payments.
100% paid premium refund²
As long as no Cancer Benefit¹ has been paid and the Policy remains in force, the Plan will refund you 100% of the paid premium² at the end of the 15-year Policy Term, without deduction of any amount claimed for the covered Carcinoma-in-situ or Early Stage Cancer.
Multiple Plan Levels to suit your needs
You can choose from different Plan Levels with different Sum Assured³ that suit you best. If you are unfortunately diagnosed with Cancer, the Plan will pay you a lump sum payment of Cancer Benefit^1,4,5, equivalent to 100% of the Sum Assured less any paid Early Cancer Advance Benefit^4,5,6. The Policy shall automatically terminate upon the payment of the Cancer Benefit.
20% advance payment for Carcinoma-In-Situ or Early Stage Cancer
If you are diagnosed with a covered Carcinoma-in-situ or Early Stage Cancer, the Plan will pay you 20% of the Sum Assured in advance as the Early Cancer Advance Benefit^4,5,6. That way, you can receive treatment without any further delay.

Important Notes:

The Policy shall automatically terminate upon the payment of the Cancer Benefit.
The calculation of the paid premium is based on the total paid and due premium of the Policy.
Each Insured Person has a HKD1,500,000 per life limit on the Sum Assured of all policies under the Fubon Refundable Premium Cancer Protection Plan.
No Cancer Benefit or Early Cancer Advance Benefit shall be payable if the Insured Person is diagnosed with a Cancer, Early Stage Cancer or Carcinoma-In-Situ within 90 days from the Issue Date or the last Reinstatement Date (whichever is later). Cancer Benefit and Early Cancer Advance Benefit are payable according to the definitions of Cancer, Carcinoma-In-Situ and Early Stage Cancer as set out in the Policy Provisions of the Plan.
Any due but unpaid premiums will be deducted from the relevant benefits payable.
If the Early Cancer Advance Benefit is paid under your Policy, this Benefit will no longer be available and the Cancer Benefit payable will be reduced by the amount of the paid Early Cancer Advance Benefit. All future premiums will still need to be paid.

The above is a summary for reference only. For policy enrollment or further details, please Click Here.

Fubon Life Customer Service Hotline

2516 0133

*MONDAY TO FRIDAY: 9:00AM TO 5:30PM (EXCEPT PUBLIC HOLIDAYS)

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