Critical Illness Insurance Coverage Introduces New Elements Continuously, 10Life Rating Criteria Also Need Updates

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Serious illnesses such as cancer, heart disease, and stroke are showing a trend of affecting younger individuals, prompting many to consider purchasing critical illness insurance. For the most popular lifetime critical illness insurance products on the market, 10Life has developed an objective scoring method to calculate the compensation multiples for the first and second critical illness claims, analyse the cost-effectiveness of the products (coverage amount relative to premiums), and deduct points for terms that are unfavourable to claims. Since the introduction of the 10Life scoring system, it has garnered widespread attention in the insurance industry, with some insurance companies continuously enhancing the competitiveness of their products to achieve higher scores. In fact, lifetime critical illness insurance products in the market are constantly evolving, with breakthroughs in coverage. To provide a more comprehensive analysis of lifetime critical illness insurance plans, 10Life has expanded the scope of evaluation, with details including:

Considering Guaranteed Returns on Savings

Lifetime critical illness insurance not only provides coverage for critical illnesses but also includes a savings component. If the insured does not require critical illness coverage, they can choose to cash out and withdraw the cash value of the policy, achieving the dual benefit of medical coverage when ill and savings when healthy. Our scoring is based on products with a 20-year premium payment period. Therefore, we consider the guaranteed cash value of the policy at 20 and 30 years (assuming no claims have been made by the insured) to calculate the savings return of the product. Products with an earlier break-even year or faster accumulation of cash value will have a favourable impact on the score.

Coverage for Ongoing Cancer Treatment

Typical lifetime critical illness insurance primarily compensates for critical illnesses as defined in the policy. Recently, some newly launched critical illness insurance products have introduced coverage for ongoing cancer treatment, where the insurance company continues to provide guaranteed annual or monthly payments during the insured’s ongoing cancer treatment. This coverage helps alleviate the financial burden of cancer treatment.

Calculating Compensation Multiples Over 50 Years

In the past, we calculated the average compensation multiple based on the coverage amount receivable at different periods over the first 30 years of illness. With advancements in medical technology, individuals are more likely to recover even from serious illnesses. However, over a long lifespan, they may face the possibility of multiple illnesses, especially in the latter half of life. Therefore, we now consider the coverage amount over the first 50 years.

Reviewing the Coverage Period for Multiple Critical Illness Claims

Although lifetime critical illness insurance is supposed to provide lifelong coverage or coverage up to age 100, for multiple critical illness claims, most products only offer coverage up to age 75 or 85. As a result, we deduct points for products with multiple critical illness coverage below age 100, with greater deductions for coverage below age 85.

Critical illness insurance is quite complex, with a wide range of coverage. The above only outlines revisions to the scoring methodology. For more details, you can refer to the comprehensive guide on 《Lifetime Critical Illness Insurance Scoring Methodology》. In summary, the scoring comprises single critical illness coverage, multiple critical illness coverage, and guaranteed returns. Based on this scoring method, below are the lifetime critical illness insurance scores for the third quarter of 2020, divided into male and female categories due to differences in critical illness incidence and claims data, as well as varying premiums between genders.

Top 10 Lifetime Critical Illness Insurance (Male) - Overall Score

Company	Insurance Product	10Life Critical Illness Overall Score 100%	Single Critical Illness Coverage Score 55%	Multiple Critical Illness Coverage Score 25%	Guaranteed Return Score 20%
Fubon FTLife	守護168 2	9.4	9.1	9.6	9.9
Tahoe Tahoe	泰衛您危疾保障計劃	9.2	9.0	9.7	9.4
Chubb Life Chubb	安心守護危疾保障計劃	9.2	8.8	9.4	10.0
YF Life YFLife	首選健康保500+	8.9	8.8	9.7	8.3
FWD FWD	危疾全守衛 (優越版)	8.9	8.2	9.6	10.0
Manulife Manulife	活耀人生危疾保2	8.5	8.2	9.4	8.1
Sun Life Sun Life	永明危疾齊加保計劃2	8.4	8.1	9.6	8.1
BOC Life BOC Life	非凡守護危疾保險計劃	8.2	8.0	8.0	9.3
China Life China Life	危疾全裕備保險計劃 (強護版)	8.2	9.1	6.9	7.6
China Life China Life	護您安心危疾多重保(自選計劃)	8.2	8.8	6.6	8.5

Top 10 Lifetime Critical Illness Insurance (Female) - Overall Score

Company	Insurance Product	10Life Critical Illness Overall Score 100%	Single Critical Illness Coverage Score 55%	Multiple Critical Illness Coverage Score 25%	Guaranteed Return Score 20%
Chubb Life Chubb	安心守護危疾保障計劃	9.3	9.0	9.4	9.7
Fubon FT Life	守護168 2	9.2	8.8	9.6	9.9
Tahoe Tahoe	泰衛您危疾保障計劃	9.0	8.6	9.7	9.4
YF Life YFLife	首選健康保500+	9.0	8.8	9.7	8.5
China Life China Life	全衛您多重優越終身危疾保	8.7	8.8	7.4	10.0
FWD FWD	危疾全守衛 (優越版)	8.3	8.2	9.6	7.1
Sun Life Sun Life	永明危疾齊加保計劃2	8.3	7.8	9.3	8.3
Generali Generali	無限保	8.2	7.1	9.4	9.8
China Life China Life	危疾全裕備保險計劃 (強護版)	8.1	9.0	6.9	7.3
BOC Life BOC Life	非凡守護危疾保險計劃	8.1	7.9	7.9	9.1

People often ask how to achieve a high score. Lifetime critical illness insurance products with broad coverage, relatively low premiums, and more lenient terms tend to score higher in our evaluation. However, this is not easy, as the scoring includes numerous criteria, and it is rare for a single product to excel in all aspects. When choosing critical illness insurance, consumers should understand their personal needs and budget, assess which product performs better in these areas, compare options, and then make an informed decision.

[Compare Lifetime Critical Illness Insurance: Overall Score (Male)]

[Compare Lifetime Critical Illness Insurance: Overall Score (Female)]

[Compare Lifetime Critical Illness Insurance: Single Critical Illness Coverage (Male)]

[Compare Lifetime Critical Illness Insurance: Single Critical Illness Coverage (Female)]

[Compare Lifetime Critical Illness Insurance: Single and Multiple Critical Illness Coverage (Male)]

[Compare Lifetime Critical Illness Insurance: Single and Multiple Critical Illness Coverage (Female)]

[Compare Lifetime Critical Illness Insurance: Guaranteed Return (Male)]

[Compare Lifetime Critical Illness Insurance: Guaranteed Return (Female)]

If you have any questions about critical illness insurance or wish to understand insurance plans based on your personal needs, you can submit an enquiry on the 10Life website to receive a response from a licensed advisor.

This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.

Last updated: 9 Apr 2026

10Life Editorial Team

Our team of professional content researchers focussing on insurance

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10Life Editorial Team

Our team of professional content researchers focussing on insurance

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10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies. Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability, claim or loss arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information. If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com

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Critical illness insurance coverage introduces new elements continuously. 10Life rating criteria must also be updated. (See Top 10 Lifetime Critical Illness Insurance Q3 2020)

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