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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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Generali | 忠意保險
LionGuardian PlusOne
Product Details
Multi-CIYearly RenewalStandard Underwriting
9.7/10
$5,900
$8,306
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 Safe Critical Illness Insurance Scheme + Extended Major Critical Illness Benefit (Plan 8)
Product Details
Multi-CIYearly RenewalOnline Underwriting
9.7/10
$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
New
Zurich | 蘇黎世
Swiss Care Critical Illness Insurance Plan
Product Details
Multi-CI10-year RenewalStandard Underwriting
9.4/10
$3,830
$3,830
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
Zurich | 蘇黎世
Swiss Care Critical Illness Insurance Plan
Product Details
Multi-CI5-year RenewalStandard Underwriting
9.4/10
$3,260
$3,835
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
Zurich | 蘇黎世
Swiss Care Critical Illness Insurance Plan
Product Details
Multi-CIYearly RenewalStandard Underwriting
9.4/10
$2,940
$4,161
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
OneDegree
InfiniCare Infinity Plan
Product Details
Multi-CIYearly RenewalOnline Underwriting
9.3/10
$2,710
$4,209
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
OneDegree
InfiniCare Boost Plan
Product Details
Multi-CIYearly RenewalOnline Underwriting
9.3/10
$1,910
$2,855
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
AIA | 友邦
AIA Simple Care Essence
Product Details
Multi-CI5-year RenewalStandard Underwriting
9.3/10
$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 | 保誠保險
Health Critical Illness Term 2
Product Details
Multi-CI5-year RenewalStandard Underwriting
9.3/10
$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
New
Bowtie | 保泰人壽
Bowtie Term Critical Illness Insurance Plan - Multiple Cover
Product Details
Multi-CIYearly RenewalOnline Underwriting
8.8/10$2,256$1,692#
$3,358
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

Term Critical Illness Insurance

We found Term Critical Illness Insurance product(s) matching your selected filters.
Generali | 忠意保險
LionGuardian PlusOne
Multi-CIYearly RenewalStandard Underwriting
10Life Rating :
9.7/10
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 :
$5,900
10-year Average Premium :
$8,306
Bupa | 保柏
Bupa Safe Critical Illness Insurance Scheme + Extended Major Critical Illness Benefit (Plan 8)
Multi-CIYearly RenewalOnline Underwriting
10Life Rating :
9.7/10
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
New
Zurich | 蘇黎世
Swiss Care Critical Illness Insurance Plan
Multi-CI10-year RenewalStandard Underwriting
10Life Rating :
9.4/10
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 :
$3,830
10-year Average Premium :
$3,830
New
Zurich | 蘇黎世
Swiss Care Critical Illness Insurance Plan
Multi-CI5-year RenewalStandard Underwriting
10Life Rating :
9.4/10
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 :
$3,260
10-year Average Premium :
$3,835
New
Zurich | 蘇黎世
Swiss Care Critical Illness Insurance Plan
Multi-CIYearly RenewalStandard Underwriting
10Life Rating :
9.4/10
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 :
$2,940
10-year Average Premium :
$4,161
OneDegree
InfiniCare Infinity Plan
Multi-CIYearly RenewalOnline Underwriting
10Life Rating :
9.3/10
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 :
$2,710
10-year Average Premium :
$4,209
OneDegree
InfiniCare Boost Plan
Multi-CIYearly RenewalOnline Underwriting
10Life Rating :
9.3/10
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 :
$1,910
10-year Average Premium :
$2,855
AIA | 友邦
AIA Simple Care Essence
Multi-CI5-year RenewalStandard Underwriting
10Life Rating :
9.3/10
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 :
$3,630
10-year Average Premium :
$4,660
Prudential | 保誠保險
Health Critical Illness Term 2
Multi-CI5-year RenewalStandard Underwriting
10Life Rating :
9.3/10
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 :
$3,690
10-year Average Premium :
$4,840
New
Bowtie | 保泰人壽
Bowtie Term Critical Illness Insurance Plan - Multiple Cover
Multi-CIYearly RenewalOnline Underwriting
10Life Rating :
8.8/10
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 :
$2,256$1,692#
10-year Average Premium :
$3,358

Further Readings

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. Any premium displayed excludes insurance levy collected by the Hong Kong Insurance Authority.
  2. 10Life Product Comparison and 10Life Insurance Ratings are operated by 10Life Financial Limited, an authorised insurance broker with Insurance Authority 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.
  3. 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 and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy 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. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best 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 arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.

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