Earn up to $100 critical illness coverage for every $1 of premium and customise additional protection to suit your needs

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Looking for critical illness coverage that is also cost-effective?

Critical illnesses have shown a trend of affecting younger individuals in recent years. According to data from the Hospital Authority, the cancer incidence rate among Hong Kong residents aged 20 to 44 increased by 14% between 2010 and 2019 (Note 2). Additionally, studies from overseas indicate that heart attacks are becoming increasingly common among individuals under 40 (Note 3), while the stroke incidence rate among those aged 25 to 44 surged by nearly 44% over a 10-year period (Note 4).

Understanding the risks of critical illnesses, consumers seek protection while also desiring cost-effective critical illness insurance. 「自主健康」危疾保 offers exceptionally high value for money in terms of coverage. Firstly, for every HK$1 of premium paid by the policyholder, up to HK$100 of critical illness protection is provided (Note 1), covering 56 severe conditions, including common illnesses such as cancer, heart attack, and stroke, ensuring lifelong health protection for the insured.

「自主健康」危疾保 combines protection with long-term savings. If the insured is unfortunately diagnosed with any of the covered severe conditions, a lump-sum cash compensation equal to 100% of the sum insured at that time will be provided. Furthermore, if the diagnosis occurs in the 5th year or later, a one-time non-guaranteed terminal bonus may also be payable.

Suitable for Family Breadwinners: Long-term Increase in Compensation Amount

Take Kelvin, an accountant, as an example. He is a 40-year-old (next birthday) professional and the financial pillar of his family. Noticing the increasing prevalence of critical illnesses, Kelvin purchased "自主健康" Critical Illness Protection, with an annual premium of $1,897 USD, payable until the age of 66 (next birthday). At that time, the coverage amount was $100,000 USD.

If he is unfortunately diagnosed with a critical illness at the age of 66 (next birthday), the expected compensation amount would be $143,493 USD, approximately 2.9 times the total premiums paid. If the diagnosis occurs at the age of 86 (next birthday), the expected compensation amount would be $260,600 USD, which is 5.3 times the total premiums paid, providing financial security for both himself and his family.

Additionally, in response to the rising cost of living, "自主健康" Critical Illness Protection offers an increasing coverage benefit option to help policyholders combat the effects of inflation. By paying an additional premium, the initial coverage amount of the policy can automatically increase by 5% each year, up to a maximum of 200% of the initial coverage amount.

Make Good Use of Additional Benefits to Customise Your Personal Protection Plan

As mentioned at the beginning of the article, policyholders of critical illness insurance in the market often cannot choose their coverage items independently, resulting in somewhat limited flexibility. 「自主健康」危疾保 adopts a flexible design, allowing policyholders to tailor a protection plan that best suits their individual needs. Additional coverage options include:

「自主健康」嚴重癌症保: The 5-year relative survival rate for patients with stage 3 colorectal cancer and breast cancer is less than 80% (Note 5), and nearly 40% of cervical cancer patients are diagnosed at an advanced stage (Note 6). The treatment costs for severe cancers are relatively high. The market-first 「自主健康」嚴重癌症保 enhances coverage and provides a lump-sum payout of 100% of the sum insured, helping policyholders manage the financial burden caused by stage 3 or 4 cancer.

「自主健康」危疾多重保: Cancer, heart attack, and stroke (the three major critical illnesses) carry a risk of recurrence. 「自主健康」危疾多重保 offers multiple claims coverage for these three major critical illnesses, with a total payout of up to 400% of the sum insured (Note 7).

The above two 「自主健康」 additional coverage options are guaranteed for annual renewal (Note 8) until the age of 86 (attained age). Furthermore, policyholders can also choose from a range of other optional additional coverage, including life, critical illness, medical expenses, disability, and accident protection, to further enhance their coverage.

Thoughtful Value-Added Services: "安心醫" and "智安排"

Many patients wish to obtain a second medical opinion to help them make the most suitable treatment choices. Regardless of whether it is a covered condition, as long as it is a non-emergency situation, 安心醫 (Note 9) can provide personalised second medical opinions from over 50,000 international medical experts across more than 450 specialties.

Through 安心醫 (Note 9), policyholders can also benefit from overseas medical concierge services, receiving assistance in arranging specialist doctors for overseas treatment, booking appointments, medical translation, and providing rehabilitation advice post-treatment. Additionally, policyholders will be assigned a dedicated case doctor who speaks the same language to address queries, accompanying them through every step of the recovery journey.

When a policyholder unfortunately becomes incapacitated due to severe illness or mental incapacity, family members may need to apply for a guardianship order through the court or appoint a trustee to handle claims, which can be a complicated and time-consuming process. By using 智安排, policyholders can pre-arrange policy services and appoint designated family members in advance to handle claims, addressing urgent needs efficiently.

Insure with your family and enjoy a 50% premium rebate in the first year

Critical illnesses are becoming more common among younger individuals, making it essential to secure protection for yourself and your loved ones as early as possible. Prudential is now offering a limited-time promotion: from now until 27th June 2022, if two or more family members successfully apply for 「自主健康」危疾保 together, they can enjoy a 50% premium rebate on the first year (Note 10). For details, please refer to the company website. This offer is subject to terms and conditions.

Notes:

Assuming the insured is a 31-year-old male (age next birthday) non-smoker, with a sum insured of USD 75,000 and choosing to pay premiums until age 86 (age next birthday), the protection multiple is calculated based on the sum insured and the first-year premium.
Hong Kong Hospital Authority, Hong Kong Cancer Data Statistics Centre.
American College of Cardiology, “Heart attacks increasingly common in young adults”.
Journal of the American Heart Association, “Rising Stroke Incidence in Young Adults: More Epidemiological Evidence, More Questions to Be Answered”.
Hong Kong Hospital Authority, Hong Kong Cancer Data Statistics Centre, Overview of Hong Kong Cancer Statistics 2018.
Hong Kong Hospital Authority, Hong Kong Cancer Data Statistics Centre, Report on Stage-Specific Survival Rates for Gynaecological Cancers in Hong Kong.
Waiting period for multiple claims: There must be at least a 1-year interval between any two diagnoses. However, if both diagnoses are cancer-related, there must be at least a 3-year interval between them. The insured can make a cancer claim under the 「自主健康」危疾多重保 for a new cancer occurrence or continuation of an existing cancer, including recurrence, metastasis, or persistent cancer.
Prudential will adjust the insured’s premium annually until the policy terminates.
The Peace of Mind Medical Service is not part of this plan. This service is provided by a third-party service provider designated by Prudential, and Prudential reserves the right to revise the scope of services and the service provider at its sole discretion from time to time without prior notice. The service may also be terminated and/or suspended.
The 50% premium rebate applies to any two or more designated family members who apply together for 「自主健康」危疾保 or other designated insurance plans. Designated family members include the referrer’s spouse, children, parents, siblings, parents-in-law, children-in-law, grandparents, grandchildren, nephews/nieces, aunts/uncles, cousins, fiancé/fiancée, step-parents, and step-children. For details, please refer to the terms and conditions of the offer.
The information in this article is provided by Prudential for general reference only. It does not take into account any individual needs or suitability and should not be considered as sales advice. Before purchasing insurance, you should discuss with a licensed insurance advisor to determine the most suitable insurance plan for you, and the information provided by the insurance company shall prevail.
The above premium information is updated as of 13th April 2022 and does not include the premium levy collected by the Insurance Authority.
Last updated: 13th 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

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Table of Content

Enjoy up to $100 critical illness coverage per $1 premium and customise additional protection to suit your needs.

Looking for critical illness coverage that is also cost-effective?

Suitable for Family Breadwinners: Long-term Increase in Compensation Amount

Make Good Use of Additional Benefits to Customise Your Personal Protection Plan

Thoughtful Value-Added Services: "安心醫" and "智安排"

Insure with your family and enjoy a 50% premium rebate in the first year

Table of Content

Trending

Table of Content

Enjoy up to $100 critical illness coverage per $1 premium and customise additional protection to suit your needs.

Looking for critical illness coverage that is also cost-effective?

Suitable for Family Breadwinners: Long-term Increase in Compensation Amount

Make Good Use of Additional Benefits to Customise Your Personal Protection Plan

Thoughtful Value-Added Services: "安心醫" and "智安排"

Insure with your family and enjoy a 50% premium rebate in the first year

Table of Content

Trending