Best Critical Illness Insurance Plans in Hong Kong 2020

We've analyzed 29 Critical Illness Insurance plans from 10 of the top insurance providers in Hong Kong to identify which plans will be the best one for you. Our carefully selected options will help you organize your search to find the right policy.

Best Overall Critical Illness Plans for Comprehensive Coverage

Embrace Care Critical Illness Protector Crisis XDefender Supreme
65 major illnesses62 major illnesses
Sum assured: US $15,000 minimum/US $1,500,000 maximumSum insured: HK$120,000 minimum/HK$12,000,000 maximum
Multiple claims benefitMultiple claims benefit

Minor illness benefit

Minor illness benefit
Surrender and maturity benefitSurrender and maturity benefit
Death benefitDeath benefit
Terminal dividendTerminal dividend
Cancer protection for the insured's child up to 20% sum assuredSpecial benefit for infant
Extra 50% protection within the first 10 policy yearsExtra 75% protection of the initial sum insured within the first 15 years
Undetected congenital conditions coverageBenign tumour extra benefit
{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Embrace Care Critical Illness Protector - Image\" data-eventlabel=\"Embrace Care Critical Illness Protector\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Embrace Care Critical Illness Protector\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.chubb.com%2Fhk-en%2Fpersonal%2Fembrace-care-critical-illness-protector.html\"\u003E\u003Cimg alt=\"Embrace Care Critical Illness Protector\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/chubb-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/chubb-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/chubb-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Embrace Care Critical Illness Protector - Button\" data-eventlabel=\"Embrace Care Critical Illness Protector\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Embrace Care Critical Illness Protector\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.chubb.com%2Fhk-en%2Fpersonal%2Fembrace-care-critical-illness-protector.html\"\u003EApply Now \u003Ci class=\"fa fa-lock\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Embrace Care Critical Illness Protector - Image\" data-eventlabel=\"Embrace Care Critical Illness Protector\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Embrace Care Critical Illness Protector\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.chubb.com%2Fhk-en%2Fpersonal%2Fembrace-care-critical-illness-protector.html\"\u003E\u003Cimg alt=\"Embrace Care Critical Illness Protector\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/chubb-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/chubb-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/chubb-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Embrace Care Critical Illness Protector - Button\" data-eventlabel=\"Embrace Care Critical Illness Protector\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Embrace Care Critical Illness Protector\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.chubb.com%2Fhk-en%2Fpersonal%2Fembrace-care-critical-illness-protector.html\"\u003EApply Now \u003Ci class=\"fa fa-lock\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cstrong\u003EEmbrace Care Critical Illness Protector\u003C\/strong\u003E","\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Crisis Xdefender Supreme - Image\" data-eventlabel=\"Crisis Xdefender Supreme\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Crisis Xdefender Supreme\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fcrisis-xdefender%2F\"\u003E\u003Cimg alt=\"Crisis Xdefender Supreme\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Crisis Xdefender Supreme - Button\" data-eventlabel=\"Crisis Xdefender Supreme\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Crisis Xdefender Supreme\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fcrisis-xdefender%2F\"\u003EApply Now \u003Ci class=\"fa fa-lock\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Crisis Xdefender Supreme - Image\" data-eventlabel=\"Crisis Xdefender Supreme\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Crisis Xdefender Supreme\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fcrisis-xdefender%2F\"\u003E\u003Cimg alt=\"Crisis Xdefender Supreme\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Crisis Xdefender Supreme - Button\" data-eventlabel=\"Crisis Xdefender Supreme\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Crisis Xdefender Supreme\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fcrisis-xdefender%2F\"\u003EApply Now \u003Ci class=\"fa fa-lock\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cstrong\u003ECrisis XDefender Supreme\u003C\/strong\u003E"],"offsetPercentage":20}

The two plans above show the most comprehensive plans on the market. What puts these two above their competitors is their high summed insured maximums coupled with a large string of added benefits.

Chubb’s Embrace Care Critical Illness plan is unique thanks to its undetected congenital conditions coverage. This coverage applies to congenital diseases that many other insurers are not willing to cover.

Chubb’s multiple claims coverage for critical illnesses is also an important advantage when compared to other critical illness insurers. This gives you ease of mind if you were to need to use this policy. One thing to look out for when purchasing this policy is that the currency used is the US dollar.

FWD’s Crisis XDefender Supreme Critical Illness plan stands out due to its extra benefit for medical check-up and benign tumours. Although this may not seem like a huge factor, it allows consumers an incentive to get check-ups that could catch and treat illnesses like cancer early.

Recognize that these differentiators are highlighted on top of some of the most comprehensive coverage options on the market.

Embrace Care Critical Illness ProtectorCrisis XDefender Supreme
65 major illnesses62 major illnesses
Sum assured: US $15,000 minimum/US $1,500,000 maximumSum insured: HK$120,000 minimum/HK$12,000,000 maximum
Multiple claims benefitMultiple claims benefit
Minor illness benefitMinor illness benefit
Surrender and maturity benefitSurrender and maturity benefit
Death benefitDeath benefit
Terminal dividendTerminal dividend
Cancer protection for the insured's child up to 20% sum assuredSpecial benefit for infant
Extra 50% protection within the first 10 policy yearsExtra 75% protection of the initial sum insured within the first 15 years
Undetected congenital conditions coverageBenign tumour extra benefit

The two plans above show the most comprehensive plans on the market. What puts these two above their competitors is their high summed insured maximums coupled with a large string of added benefits.

Chubb’s Embrace Care Critical Illness plan is unique thanks to its undetected congenital conditions coverage. This coverage applies to congenital diseases that many other insurers are not willing to cover.

Chubb’s multiple claims coverage for critical illnesses is also an important advantage when compared to other critical illness insurers. This gives you ease of mind if you were to need to use this policy. One thing to look out for when purchasing this policy is that the currency used is the US dollar.

FWD’s Crisis XDefender Supreme Critical Illness plan stands out due to its extra benefit for medical check-up and benign tumours. Although this may not seem like a huge factor, it allows consumers an incentive to get check-ups that could catch and treat illnesses like cancer early.

Recognize that these differentiators are highlighted on top of some of the most comprehensive coverage options on the market.

Best Critical Illness Plan for Families

Consider if you plan to start a new family
Crisis OneCover
162 major crises and serious diseases and juvenile diseases
Sum insured HK$300,000 minimum/HK$1,500,000 Maximum
Extended coverage for loved ones
Newborn coverage at no extra premium
Multiple claims benefit
Unknown congenital diseases coverage
Crisis benefit for juveniles
Continued monthly health supplement 2% of initial sum insured per month for 6 months
Family care service program

FWD’s Crisis OneCover critical illnesses plan is the best plan for families, offering a high sum insured maximum of HK$ 1,500,000 as well as a comprehensive list of 162 major and minor illnesses.

The important question you should be asking yourself when purchasing a critical illness plan with a family is: Will my family be protected if I or my spouse goes through a crisis event? FWD offers more answers than their competitors in this category, such as newborn coverage for new families and extended coverage for loved ones. Additionally, their covered juvenile diseases cover common diseases for your children like ADHD and several other unknown congenital diseases.

Keep in mind this is not a substitute for medical insurance for your family, but additional coverage that will activate in the event of a major illness—getting your family through a crisis event.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Crisis Xdefender Supreme - Image\" data-eventlabel=\"Crisis Xdefender Supreme\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Crisis Xdefender Supreme\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fcrisis-xdefender%2F\"\u003E\u003Cimg alt=\"Crisis Xdefender Supreme\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Crisis Xdefender Supreme - Button\" data-eventlabel=\"Crisis Xdefender Supreme\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Crisis Xdefender Supreme\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fcrisis-xdefender%2F\"\u003EApply Now \u003Ci class=\"fa fa-lock\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Crisis Xdefender Supreme - Image\" data-eventlabel=\"Crisis Xdefender Supreme\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Crisis Xdefender Supreme\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fcrisis-xdefender%2F\"\u003E\u003Cimg alt=\"Crisis Xdefender Supreme\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Crisis Xdefender Supreme - Button\" data-eventlabel=\"Crisis Xdefender Supreme\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Crisis Xdefender Supreme\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fcrisis-xdefender%2F\"\u003EApply Now \u003Ci class=\"fa fa-lock\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cstrong\u003ECrisis OneCover\u003C\/strong\u003E"],"offsetPercentage":20}
162 major crises and serious diseases and juvenile diseases
Sum insured HK$300,000 minimum/HK$1,500,000 Maximum
Extended coverage for loved ones
Newborn coverage at no extra premium
Multiple claims benefit
Unknown congenital diseases coverage
Crisis benefit for juveniles
Continued monthly health supplement 2% of initial sum insured per month for 6 months
Family care service program

FWD’s Crisis OneCover critical illnesses plan is the best plan for families, offering a high sum insured maximum of HK$ 1,500,000 as well as a comprehensive list of 162 major and minor illnesses.

The important question you should be asking yourself when purchasing a critical illness plan with a family is: Will my family be protected if I or my spouse goes through a crisis event? FWD offers more answers than their competitors in this category, such as newborn coverage for new families and extended coverage for loved ones. Additionally, their covered juvenile diseases cover common diseases for your children like ADHD and several other unknown congenital diseases.

Keep in mind this is not a substitute for medical insurance for your family, but additional coverage that will activate in the event of a major illness—getting your family through a crisis event.

Best Critical Illness Plan for Women

Consider if you are looking for added female disease benefits
Savvy Life Lady Protection Plan
63 major illnesses
Female disease benefit
Sum insured: Below age 45, HK$120,000 minimum/Above age 45, HK$1,500,000 maximum
Female medical check-up benefit
Newborn infant bonus
Waiver of premium rider

China Life has created Hong Kong’s first female-focused critical illness plan. Its highlights are the female disease benefits, female medical check-up benefits, and newborn infant bonus.

This plan is a great option if you simply want your critical illness plan to be tailored for women and are looking to enjoy the benefits of female medical checkups that may help catch major illnesses that affect women early.

This isn’t the most comprehensive plan out there for major illnesses, however it still boasts coverage for 63 major illnesses, which is about 13% more than the average competitor.

This is not a replacement for comprehensive medical insurance that would provide regular obstetric and gynecological care. Additionally, just because the Savvy Life Lady protection plan covers specific female diseases, does not mean other critical illness plans featured do not cover them as well.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Savvy Life Lady Protection Plan - Image\" data-eventlabel=\"Savvy Life Lady Protection Plan\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Savvy Life Lady Protection Plan\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.chinalife.com.hk%2Fproducts%2Finsurance%2Fsavvy-life-lady-protection-plan\"\u003E\u003Cimg alt=\"Savvy Life Lady Protection Plan\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/ChinaLife-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/ChinaLife-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/ChinaLife-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Savvy Life Lady Protection Plan - Button\" data-eventlabel=\"Savvy Life Lady Protection Plan\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Savvy Life Lady Protection Plan\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.chinalife.com.hk%2Fproducts%2Finsurance%2Fsavvy-life-lady-protection-plan\"\u003EApply Now \u003Ci class=\"fa fa-lock\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Savvy Life Lady Protection Plan - Image\" data-eventlabel=\"Savvy Life Lady Protection Plan\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Savvy Life Lady Protection Plan\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.chinalife.com.hk%2Fproducts%2Finsurance%2Fsavvy-life-lady-protection-plan\"\u003E\u003Cimg alt=\"Savvy Life Lady Protection Plan\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/ChinaLife-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/ChinaLife-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/ChinaLife-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Savvy Life Lady Protection Plan - Button\" data-eventlabel=\"Savvy Life Lady Protection Plan\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Savvy Life Lady Protection Plan\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.chinalife.com.hk%2Fproducts%2Finsurance%2Fsavvy-life-lady-protection-plan\"\u003EApply Now \u003Ci class=\"fa fa-lock\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cstrong\u003ESavvy Life Lady Protection Plan\u003C\/strong\u003E"],"offsetPercentage":20}
Savvy Life Lady Protection Plan
63 major illnesses
Female disease benefit
Sum insured: Below age 45, HK$120,000 minimum/Above age 45, HK$1,500,000 maximum
Female medical check-up benefit
Newborn infant bonus
Waiver of premium rider

China Life has created Hong Kong’s first female-focused critical illness plan. Its highlights are the female disease benefits, female medical check-up benefits, and newborn infant bonus.

This plan is a great option if you simply want your critical illness plan to be tailored for women and are looking to enjoy the benefits of female medical checkups that may help catch major illnesses that affect women early.

This isn’t the most comprehensive plan out there for major illnesses, however it still boasts coverage for 63 major illnesses, which is about 13% more than the average competitor.

This is not a replacement for comprehensive medical insurance that would provide regular obstetric and gynecological care. Additionally, just because the Savvy Life Lady protection plan covers specific female diseases, does not mean other critical illness plans featured do not cover them as well.

Best Cheap Critical Illness Plan for Cancer coverage

Consider if you are only looking for cancer coverage
Bowtie Cancer Fighter 300
HK$3,000,000 Lifetime Benefit
Every 3 years HK$1,000,000 limit will be replenished from the date of the first covered cancer
Compassionate death benefit
Claim method: reimbursement
Conditional coverage depending on ward

This coverage is the cheapest option if you want cancer-only coverage. If cancer is a condition that runs in your family or you are at a higher risk of developing cancer, you may want to look at this policy to help supplement your primary medical insurance policy.

Keep in mind that this plan does not offer a lump sum payment in the event of a claim. Bowtie’s claim process specifically is a reimbursement model and offers a lifetime limit of HK$3,000,000 for their Cancer Fighter 300 plan.

This contrasts with other critical illness plans who pay a lump sum for critical illness claims.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: AIG - Image\" data-eventlabel=\"AIG\" rel=\"nofollow noopener\" target=\"_blank\" title=\"AIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.aig.com.hk%252Fpersonal%252Ftravel-insurance\"\u003E\u003Cimg alt=\"AIG\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/aig_20200625\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/aig_20200625 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/aig_20200625 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: AIG - Button\" data-eventlabel=\"AIG\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"AIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.aig.com.hk%252Fpersonal%252Ftravel-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate travel_insurance_companies: AIG - Image\" data-eventlabel=\"AIG\" rel=\"nofollow noopener\" target=\"_blank\" title=\"AIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.aig.com.hk%252Fpersonal%252Ftravel-insurance\"\u003E\u003Cimg alt=\"AIG\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/aig_20200625\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/aig_20200625 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/travel_insurance\/aig_20200625 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate travel_insurance_companies: AIG - Button\" data-eventlabel=\"AIG\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"AIG\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.aig.com.hk%252Fpersonal%252Ftravel-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cstrong\u003EBowtie Cancer Fighter 300\u003C\/strong\u003E"],"offsetPercentage":20}
Bowtie Cancer Fighter 300
HK$3,000,000 Lifetime Benefit
Every 3 years HK$1,000,000 limit will be replenished from the date of the first covered cancer
Compassionate death benefit
Claim method: reimbursement
Conditional coverage depending on ward

This coverage is the cheapest option if you want cancer-only coverage. If cancer is a condition that runs in your family or you are at a higher risk of developing cancer, you may want to look at this policy to help supplement your primary medical insurance policy.

Keep in mind that this plan does not offer a lump sum payment in the event of a claim. Bowtie’s claim process specifically is a reimbursement model and offers a lifetime limit of HK$3,000,000 for their Cancer Fighter 300 plan.

This contrasts with other critical illness plans who pay a lump sum for critical illness claims.

Best Critical Illness Plan for Mental Health coverage

Consider if you are looking for added mental health coverage
Mind+ Critical Illness Protection Plan
58 major illnesses and 10 mental illnesses
Sum insured: HK$240,000 minimum/HK$12,000,000 maximum
Mental illness benefit
Death Benefit
Special Infant benefit
Surrender and Maturity benefit
Family care service program

FWD Mind+ Critical Illness Protection plan is a great option if you want comprehensive critical illness protection to include your mental health.

The plan covers 58 major illnesses and is the only plan that offers mental illness coverage for named conditions on their policy. The added multiple claims coverage for mild mental illness benefit can be claimed up to 2 times, while major mental illness benet can be claimed up to 3 times.

This plan also offers partial protection for children born after 2 years of the policy anniversary for mental health and crisis/death coverage until the age of 8—free from premium hikes or changes in other coverage.

If you are looking to start a family and value protecting you and your families mental health, then take a closer look at the covered illnesses in this policy to see if this is the right choice for you.

This is not a replacement for comprehensive medical insurance.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Mind+ Critical Illness Protection Plan - Image\" data-eventlabel=\"Mind+ Critical Illness Protection Plan\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Mind+ Critical Illness Protection Plan\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fmindplus%2F\"\u003E\u003Cimg alt=\"Mind+ Critical Illness Protection Plan\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Mind+ Critical Illness Protection Plan - Button\" data-eventlabel=\"Mind+ Critical Illness Protection Plan\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Mind+ Critical Illness Protection Plan\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fmindplus%2F\"\u003EApply Now \u003Ci class=\"fa fa-lock\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Mind+ Critical Illness Protection Plan - Image\" data-eventlabel=\"Mind+ Critical Illness Protection Plan\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Mind+ Critical Illness Protection Plan\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fmindplus%2F\"\u003E\u003Cimg alt=\"Mind+ Critical Illness Protection Plan\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/FWD-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Mind+ Critical Illness Protection Plan - Button\" data-eventlabel=\"Mind+ Critical Illness Protection Plan\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Mind+ Critical Illness Protection Plan\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.fwd.com.hk%2Fen%2Fprotect%2Fhealth-accident%2Fcritical-illness%2Fmindplus%2F\"\u003EApply Now \u003Ci class=\"fa fa-lock\" aria-hidden=\"true\"\u003E\u003C\/i\u003E\u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cstrong\u003EMind+ Critical Illness Protection Plan\u003C\/strong\u003E"],"offsetPercentage":20}

Mind+ Critical Illness Protection Plan

58 major illnesses and 10 mental illnesses
Sum insured: HK$240,000 minimum/HK$12,000,000 maximum
Mental illness benefit
Death Benefit
Special Infant benefit
Surrender and Maturity benefit
Family care service program

FWD Mind+ Critical Illness Protection plan is a great option if you want comprehensive critical illness protection to include your mental health.

The plan covers 58 major illnesses and is the only plan that offers mental illness coverage for named conditions on their policy. The added multiple claims coverage for mild mental illness benefit can be claimed up to 2 times, while major mental illness benefit can be claimed up to 3 times.

This plan also offers partial protection for children born after 2 years of the policy anniversary for mental health and crisis/death coverage until the age of 8—free from premium hikes or changes in other coverage.

If you are looking to start a family and value protecting you and your families mental health, then take a closer look at the covered illnesses in this policy to see if this is the right choice for you.

This is not a replacement for comprehensive medical insurance.

Best Critical Illness plan for Infectious Disease coverage (includes Covid-19 coverage)

Protect Elite Ultra 3 Elite Care Critical Illness Insurance Plan
58 major illnesses88 major illnesses
Sum insured: See quotable optionsSum assured: HK$100,000 minimum
Serious infectious disease protection: 50% initial sum insuredSerious Infectious Disease Protection: 20% of initial sum insured
Multiple claims benefit for only cancerMultiple claims benefit
Unknown congenital diseasesUnknown congenital diseases
Death benefitDeath benefit
Surrender and maturity benefitSurrender and maturity benefit
Parental premium waiver benefitParental premium waiver benefit
-Extra 50% protection within the first 10 policy years
-Family sharing benefit: Family pool balance

If you are looking for critical illness insurance that includes infectious diseases like Covid-19, AIA’s Protect Elite Ultra 3 and China Life’s Elite Care Critical Illness insurance plan are first in the market to offer infectious disease coverage with their critical illness insurance plans.

They are not exclusive to just infectious diseases, but offer comprehensive coverage for other major and minor illnesses as well. Infectious diseases are explicitly defined in the policy form and does not mean that this policy will cover all infectious diseases.

Additionally, both policies vary on infectious disease protection. AIA’s Protect Elite Ultra 3 offers 50% of the initial sum insured, while China Life’s Elite Care Critical Illness insurance plan offers only up to 20% of the initial sum insured.

With that said, there are pros and cons to both plans. Although China Life’s policy is 30% less coverage for infectious disease protection than AIA’s plan, China life’s policy covers 34% more major illnesses. China Life’s Elite Care Critical Illness insurance plan plan may be a better option for more comprehensive critical illness coverage if you have a family.

If your primary concern is infectious diseases in 2020, you should consider AIA’s plan with 30% more infectious disease coverage.

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Protect Elite Ultra 3 - Image\" data-eventlabel=\"Protect Elite Ultra 3\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Protect Elite Ultra 3\" href=\"https:\/\/affiliate.valuechampion.sg\/redirect?link=https%3A%2F%2Fwww.aia.com.hk%2Fen%2Four-products%2Fcritical-illness-protection%2Fprotect-elite-ultra-3.html\"\u003E\u003Cimg alt=\"Protect Elite Ultra 3\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/AIA-2.png\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/AIA-2.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/hk\/health_insurance\/AIA-2.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Protect Elite Ultra 3 - 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Protect Elite Ultra 3Elite Care Critical Illness Insurance Plan
58 major illnesses88 major illnesses
Sum insured: See quotable optionsSum assured: HK$100,000 minimum
Serious infectious disease protection: 50% initial sum insuredSerious Infectious Disease Protection: 20% of initial sum insured
Multiple claims benefit for only cancerMultiple claims benefit
Unknown congenital diseasesUnknown congenital diseases
Death benefitDeath benefit
Surrender and maturity benefitSurrender and maturity benefit
Parental premium waiver benefitParental premium waiver benefit
-Extra 50% protection within the first 10 policy years
-Family sharing benefit: Family pool balance

If you are looking for critical illness insurance that includes infectious diseases like Covid-19, AIA’s Protect Elite Ultra 3 and China Life’s Elite Care Critical Illness insurance plan are first in the market to offer infectious disease coverage with their critical illness insurance plans.

They are not exclusive to just infectious diseases, but offer comprehensive coverage for other major and minor illnesses as well. Infectious diseases are explicitly defined in the policy form and does not mean that this policy will cover all infectious diseases.

Additionally, both policies vary on infectious disease protection. AIA’s Protect Elite Ultra 3 offers 50% of the initial sum insured, while China Life’s Elite Care Critical Illness insurance plan offers only up to 20% of the initial sum insured.

With that said, there are pros and cons to both plans. Although China Life’s policy is 30% less coverage for infectious disease protection than AIA’s plan, China life’s policy covers 34% more major illnesses. China Life’s Elite Care Critical Illness insurance plan plan may be a better option for more comprehensive critical illness coverage if you have a family.

If your primary concern is infectious diseases in 2020, you should consider AIA’s plan with 30% more infectious disease coverage.

Difference Between Critical Illness Insurance vs Medical Insurance

Critical illness insurance policies provide financial assistance in the form of a lump sum payout, in the event you are diagnosed with a covered critical illness.

Medical Insurance policies provide financial assistance for only named costs in a claim for treatment and medication when hospitalized.

Frequently Asked Questions

Critical illness insurance plans give a lump sum payout in the event you are diagnosed with a critical illness. Medical insurance plans offers payment for the cost of treatment and medication when hospitalized. Take a look at the best medical insurance plans in Hong Kong through the Volunteer Health Insurance Scheme (VHIS) for more details.
The patient can use the lump sum payout for anything they want. It is not restricted to just medical treatment, but for anything you need (I.e. rent, groceries, child care). A good start to purchasing a critical illness plan is to look at our picks for the most comprehensive plans on the market and see how they stack up against other plans.
Premium typically remains the same throughout the lifetime of the policy, but are subject to the underwriting discretion of the insurer. If you are not looking for a lump sum payout and are interested in cancer-only coverage, take a look at Bowtie's Cancer Fighter 300 plan featured above.