Choosing the right lifelong critical illness insurance is a complex matter. It involves comparing coverage of severe illnesses, benefit amounts versus premiums, and guaranteed returns.

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Choosing the right Whole Life Critical Illness Insurance has always been a complex matter. It involves various comparisons, such as the range of severe illnesses covered, the coverage amount for critical illnesses relative to premiums, and guaranteed returns. Moreover, products are frequently updated, especially with recent innovations allowing multiple claims or even unlimited claims for the three major critical illnesses (cancer, heart disease, and stroke).

To make it easier for consumers to select the most suitable product, 10Life evaluates overall product ratings based on single critical illness scores (accounting for 55% of the total score), multiple critical illness scores (25% of the total score), and guaranteed return scores (20% of the total score) across more than 20 illness scenarios, including cancer and stroke. Below are the top three rankings for critical illness insurance across different categories.

Table 1: Top 3 Whole Life Critical Illness Insurance Rankings (Including Critical Illness and Guaranteed Return Factors)
(Assumes the insured is a 35-year-old non-smoking male or female, with a 20-year premium payment term or the closest option to a 20-year term, and a basic sum assured of USD 150,000)

Ranking	Product (Male)	10Life Score	Critical Illness Coverage Score	Guaranteed Return Score	Product (Female)	10Life Score	Critical Illness Coverage Score	Guaranteed Return Score
1	富通「守護168」危疾保障計劃 (加強版)	9.6	9.5	9.9	富通「守護168」危疾保障計劃 (加強版)	9.6	9.5	9.9
2	安達人壽安心守護危疾保障計劃	9.3	9.2	10.0	安達人壽安心守護危疾保障計劃	9.4	9.3	9.7
3	萬通保險首選健康加護保	8.9	9.1	8.3	萬通保險首選健康加護保	8.9	9.0	8.5
Note: Product information updated as of 4 April 2022.

「PrimeCare Health Protection Plus」 Climbs to Third Place

In terms of overall rankings, there is little change compared to the fourth quarter of last year for both male and female categories. Fubon 「Guardian 168」 Critical Illness Protection Plan (Enhanced Version) and Chubb Life SecureGuard Critical Illness Protection Plan remain in the top two positions.

It is worth noting that YF Life PrimeCare Health Protection Plus has successfully climbed to third place in both male and female categories. Its key selling point is the additional four claims for cancer, heart disease, or stroke, with total compensation up to 500% of the basic sum assured, and a reduced waiting period of just one year between two cancer claims.

The above three products perform well in single critical illness coverage scores, multiple critical illness coverage scores, and guaranteed return scores, making them relatively comprehensive. In specific categories, other products stand out. For instance, Generali's Beyond Unlimited Protection leads in multiple critical illness coverage scores for both male and female categories, followed closely by FWD Critical Illness FullGuard (Premier Version) and FWD Critical Illness FullGuard (Supreme Version).

Table 2: Top 3 Multiple Critical Illness Coverage Rankings
(Assumes the insured is a 35-year-old non-smoking male or female, with a 20-year premium payment term or the closest option to a 20-year term, and a basic sum assured of USD 150,000)

Ranking	Product (Male)	Multiple Critical Illness Coverage Score	Product (Female)	Multiple Critical Illness Coverage Score
1	忠意保險跨越無限保	9.9	忠意保險跨越無限保	9.9
2	富衛危疾全守衛（卓越版）	9.7	富衛危疾全守衛（卓越版）	9.7
3	富衛危疾全守衛（超卓版）	9.7	富衛危疾全守衛（超卓版）	9.7
Note: Product information updated as of 4 April 2022.

Critical Illness Insurance with Unlimited Claims for Cancer, Stroke, and Heart Disease

Generali Beyond Unlimited Protection focuses on providing unlimited claims for cancer, stroke, and heart disease, which account for approximately 90% of insurance claims and are prone to recurrence or metastasis, with a trend of affecting younger individuals. Meanwhile, FWD’s two products offer maximum payouts of up to 710% and 870% of the basic sum assured, respectively, with FWD Critical Illness FullGuard (Premier Version) offering a higher average payout multiple over 50 years.

Table 3: Top 3 Critical Illness Coverage Rankings (Including Single and Multiple Critical Illness Factors)
(Assumes the insured is a 35-year-old non-smoking male or female, with a 20-year premium payment term or the closest option to a 20-year term, and a basic sum assured of USD 150,000)

Ranking	Product (Male)	Critical Illness Coverage Score	Single Critical Illness Coverage Score	Multiple Critical Illness Coverage Score	Product (Female)	Critical Illness Coverage Score	Single Critical Illness Coverage Score	Multiple Critical Illness Coverage Score
1	富通「守護168」危疾保障計劃 (加強版)	9.5	9.5	9.5	富通「守護168」危疾保障計劃 (加強版)	9.5	9.5	9.5
2	中國人壽危疾全裕備保險計劃 (強護版)	9.2	9.1	9.6	忠意保險跨越無限保	9.3	9.1	9.9
3	忠意保險跨越無限保	9.2	8.9	9.9	安達人壽安心守護危疾保障計劃	9.3	9.3	9.4
Note: Product information updated as of 4 April 2022.

In theory, the more claim opportunities, the better. However, it is also important to review the range of critical illnesses covered by the insurance. Since the first critical illness claim is more common than subsequent claims, the weighting for single critical illness coverage is higher in the scoring. When combining single and multiple critical illness coverage scores, the critical illness coverage rankings shift. Generali Beyond Unlimited Protection ranks third and second in the male and female categories, respectively, while Fubon 「Guardian 168」 Critical Illness Protection Plan (Enhanced Version) retains the top spot in both.

Table 4: Top 3 Guaranteed Return Score Rankings
(Assumes the insured is a 35-year-old non-smoking male or female, with a 20-year premium payment term or the closest option to a 20-year term, and a basic sum assured of USD 150,000)

Ranking	Product (Male)	Guaranteed Break-Even Year	Guaranteed Return Ratio (20 Years)	Guaranteed Return Ratio (30 Years)	Product (Female)	Guaranteed Break-Even Year	Guaranteed Return Ratio (20 Years)	Guaranteed Return Ratio (30 Years)
1	安達人壽安心守護危疾保障計劃	23	81.6%	126.4%	中銀人壽摯守護危疾保險計劃	15	101.7%	123.5%
2	中銀人壽摯守護危疾保險計劃	15	101.6%	122.5%	中國人壽衛你明天終身危疾保障計劃	26	81.2%	117.2%
3	中國人壽衛你明天終身危疾保障計劃	26	80.4%	116.1%	中國人壽危疾全護保障計劃	20	100.5%	101.2%
Note: Product information updated as of 4 April 2022.

Whole Life Critical Illness Insurance Includes Savings Component, Break-Even as Early as 15 Years

Another feature of whole life critical illness insurance is its savings component. For instance, BOC Life TrueGuard Critical Illness Insurance Plan has a break-even period as short as 15 years. At the guaranteed break-even year, the surrender value equals the total premiums paid.

While most people hold the policy for life, they can choose to surrender it and recover the premiums if there is a financial need. Consumers can use the guaranteed return ratio to assess the multiple of guaranteed cash value relative to the total premiums paid. Among products with a perfect guaranteed return score of 10, we have selected the top three products based on the guaranteed return ratio at the 30-year mark after policy inception.

Chubb Life SecureGuard Critical Illness Protection Plan ranks first in the male category, with a guaranteed cash value after 30 years equivalent to 1.26 times the total premiums paid. Consumers can also review the guaranteed return ratio after 20 years for a different perspective, noting that the difference in guaranteed return ratios between 20 and 30 years for some products is minimal.

10Life Will Periodically Refine Scoring Methodology

With constant innovations in market products, 10Life will periodically refine its scoring methodology to reflect the level of protection offered to consumers. For more details, readers can refer to 《Scoring Methodology for Whole Life Critical Illness Insurance》.

As the needs of each policyholder vary, the scores provided are for reference only. When purchasing insurance products, policyholders should understand the features of different products and choose the one that suits them best. If there are any questions, they can inquire on the 10Life website to receive immediate responses from licensed advisors.

Notes:

1. This article is compiled by 10Life based on market information collected from various sources. It is for general reference only and does not consider individual needs or suitability, nor should it be regarded as sales advice. Before purchasing insurance, individuals should consult a licensed insurance advisor to discuss a suitable insurance plan and refer to the information provided by the insurance company.

2. The premium information above is updated as of 4 April 2022 and does not include the premium levy collected by the Insurance Authority.

3. Last updated: 4 April 2022

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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