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Term Critical Illness Insurance
Term Critical Illness (“Term CI”) Insurance mainly covers life threatening diseases over a fixed time period. A fixed lump sum benefit is payable if the insured is diagnosed with a pre-defined illness. Term CI insurance products are usually with fixed premium and coverage term of 1, 5 or 10 years, mostly with guaranteed renewability up to a certain age. 10Life rates Term CI products based on the coverage under the major diseases including cancer, heart disease, stroke and other critical illnesses, and in case of death. Some products in the market cover only the top 3 critical illnesses (cancer, heart, stroke) and others cover a number of major critical illnesses.
We found Term Critical Illness Insurance product(s) matching your selected filters.
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New
Generali | 忠意保險
LionGuardian PlusOne
Product Details
Multi-CIYearly RenewalStandard Underwriting
9.6/10$6,150$8,556
10Life Rating
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium 10-year Average Premium
Quote Now
New
Bupa | 保柏
Bupa Safe Critical Illness Insurance Scheme + Extended Major Critical Illness Benefit (Plan 8)
Product Details
Multi-CIYearly RenewalOnline Underwriting
9.5/10$5,024$4,019^$8,256
10Life Rating
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium 10-year Average Premium
Product Website
Quote Now
AIA | 友邦
AIA Simple Care Essence
Product Details
Multi-CI5-year RenewalStandard Underwriting
9.1/10$3,630$4,660
10Life Rating
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium 10-year Average Premium
Prudential | 英國保誠
Health Critical Illness Term 2
Product Details
Multi-CI5-year RenewalStandard Underwriting
9.1/10$3,690$4,840
10Life Rating
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium 10-year Average Premium
China Taiping | 中國太平
Taiping Smartcare
Product Details
Multi-CIYearly RenewalOnline Underwriting
8.5/10$2,300$4,750
10Life Rating
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium 10-year Average Premium
Bowtie | 保泰人壽
Bowtie Critical Illness Insurance
Product Details
Multi-CIYearly RenewalOnline Underwriting
8.4/10$1,728$1,296#$2,582
10Life Rating
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium 10-year Average Premium
Product Website
Quote Now
FWD | 富衛
FWD Critical IllnessCare Insurance Plan
Product Details
Top 3 CI5-year RenewalStandard Underwriting
8.3/10$3,620$4,770
10Life Rating
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium 10-year Average Premium
Bupa | 保柏
Bupa Critical Essential Care
Product Details
Multi-CI5-year RenewalOnline Underwriting
8.2/10$5,120$6,095
10Life Rating
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium 10-year Average Premium
New
AIA | 友邦
EasyGuard Care Essence
Product Details
Top 3 CIYearly RenewalStandard Underwriting
8.2/10$1,540$2,358
10Life Rating
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium 10-year Average Premium
Blue
WeCare Critical Illness Protection Plan 1
Product Details
Top 3 CI10-year RenewalOnline Underwriting
8.1/10$2,270$2,270
10Life Rating
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium 10-year Average Premium
Term Critical Illness Insurance
We found Term Critical Illness Insurance product(s) matching your selected filters.
New
Generali | 忠意保險
LionGuardian PlusOne
Multi-CIYearly RenewalStandard Underwriting
10Life Rating : 9.6/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $6,150
10-year Average Premium : $8,556
Quote Now
New
Bupa | 保柏
Bupa Safe Critical Illness Insurance Scheme + Extended Major Critical Illness Benefit (Plan 8)
Multi-CIYearly RenewalOnline Underwriting
10Life Rating : 9.5/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $5,024$4,019^
10-year Average Premium : $8,256
Quote Now
AIA | 友邦
AIA Simple Care Essence
Multi-CI5-year RenewalStandard Underwriting
10Life Rating : 9.1/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $3,630
10-year Average Premium : $4,660
Prudential | 英國保誠
Health Critical Illness Term 2
Multi-CI5-year RenewalStandard Underwriting
10Life Rating : 9.1/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $3,690
10-year Average Premium : $4,840
China Taiping | 中國太平
Taiping Smartcare
Multi-CIYearly RenewalOnline Underwriting
10Life Rating : 8.5/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $2,300
10-year Average Premium : $4,750
Bowtie | 保泰人壽
Bowtie Critical Illness Insurance
Multi-CIYearly RenewalOnline Underwriting
10Life Rating : 8.4/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $1,728$1,296#
10-year Average Premium : $2,582
Quote Now
FWD | 富衛
FWD Critical IllnessCare Insurance Plan
Top 3 CI5-year RenewalStandard Underwriting
10Life Rating : 8.3/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $3,620
10-year Average Premium : $4,770
Bupa | 保柏
Bupa Critical Essential Care
Multi-CI5-year RenewalOnline Underwriting
10Life Rating : 8.2/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $5,120
10-year Average Premium : $6,095
New
AIA | 友邦
EasyGuard Care Essence
Top 3 CIYearly RenewalStandard Underwriting
10Life Rating : 8.2/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $1,540
10-year Average Premium : $2,358
Blue
WeCare Critical Illness Protection Plan 1
Top 3 CI10-year RenewalOnline Underwriting
10Life Rating : 8.1/10
Term Critical Illness Overall Score is based on the coverage under cancer, heart disease, stroke and other critical illnesses and in the case of death.Details
First Year Premium : $2,270
10-year Average Premium : $2,270
Term Critical Illness Insurance Frequently Asked Questions
What is the difference between medical insurance and critical illness insurance?
Although both types of insurance offer health protection, their coverage and benefit payout are completely different. Medical insurance offsets the hospitalisation expenses of the insured via reimbursement. As for critical illness insurance, if the insured is diagnosed with a pre-defined illness, a fixed lump sum benefit is payable, and the insurance company usually does not limit the use of the payout.
The more critical illnesses covered, the better the plan?
While some critical illness plans cover more than 100 diseases, about 90% of the critical illness claims come from cancer, heart disease and stroke. Therefore, instead of focusing on the quantity, you should understand the needs and the definitions of the covered critical illnesses to choose a suitable plan.
Why is the definition of critical illness the key to claim success?
The definitions of covered illness often vary among different products, even for common major diseases like cancer. For example, “non-life-threatening cancers” is specifically excluded in certain products. As a result, when choosing critical illness insurance, you should understand the definitions thoroughly as they may affect your claims in the future.
What is the difference between whole life and term critical illness insurance?

Whole life critical illness insurance carries savings component. If the full sum assured has not been claimed, a cash value is available at policy surrender. It usually provides wider coverage with higher number of diseases multiple claims and life time coverage.

On the contrary, without savings component, term life critical illness insurance offers pure protection and is renewable every fixed term (e.g. 1, 5 or 10 years). The maximum coverage is generally up to age 80.

How much critical illness insurance is enough?
A key purpose of critical illness insurance is to hedge against the risk of lost income due to a major illness. Due to the potential lengthy treatment and recovery time, from a risk management standpoint, some advisors suggest 24 to 36 months of your salary as the coverage amount. However, everyone's needs are different, it is best to consult with a licensed advisor.
Remarks:

  1. The above premium excludes insurance levy collected by the Insurance Authority.
  2. The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.
  3. 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.

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