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Terms and Conditions for Overseas Study Insurance

The promotion period is between 3 Oct 2024 and 31 Dec 2024 (both days inclusive) (the “Promotion Period”).
Overseas Study Insurance 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 information provided by MSIG.
The promotional offer is available to all clients upon successful application and payment made for and be issued with Overseas Study Insurance of MSIG during the Promotion Period (“New Purchase”) through the Bank (“Eligible Client”).
An Eligible Client will be entitled to 20% premium discount for Overseas Study Insurance when purchased during the Promotion Period.
The premium discount for Overseas Study Insurance is only applicable to the first-year premium of the policy.
Eligible Client will get one HKTVMall $200 e-Gift Voucher (“Voucher”).
The Voucher is not exchangeable for cash, other item or voucher of other denomination.
The Voucher will be sent to the Eligible Customer‘s registered email address after 6-8 weeks from the month of successful enrolment of the New Purchase.
The Bank and MSIG reserve the right to alter or terminate the promotion and/or amend its terms and conditions at any time without notice.
All matters or disputes in relation to the promotion and the interpretation of its terms and conditions shall be subject to the decision of the Bank and MSIG, which shall be final and binding.
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.
Customers understand and accept that the Bank and MSIG are not the supplier of the Voucher. The Bank and MSIG shall bear no liability relating to any aspect of the Voucher, 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 Voucher provided by the supplier, its officers or agents. The Voucher is subject to the terms and conditions imposed by the supplier.
These terms and conditions apply to the promotion for Overseas Study 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.

Standard Chartered Bank (Hong Kong) Limited ("SCBHK") is an insurance agent appointed by MSIG Insurance (Hong Kong) Limited ("MSIG").

The above general insurance plan 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 ("SCBHK") is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information. The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.