Trending Multiple Critical Illness Insurance Comparison: AIA vs Manulife vs Prudential
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Whole Life Critical Illness (“CI”) Insurance mainly covers life-threatening diseases. A fixed lump sum benefit is payable if the insured is diagnosed with a pre-defined illness. There are various types of CI products in the market, with some also covering early-stage, minor and juvenile diseases; and some also covering for multiple times of specified major critical illnesses. The benefit amount differs based on the severity of the illness. 10Life rates the products based on the critical illness coverage and the policy terms and conditions, under a strict and fair mechanism. Indicative pricing is shown for different key ages (25 / 35 / 45), smoker status, assuming US$150,000 basic sum assured with 25-year (or closest) premium payment term.
We found Whole Life Critical Illness product(s) matching your selected filters.
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Multiple - All CI
| 9.4/10 | 8.8/10 | 25 | $4,100 |
Coverage Score Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Terms Score Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Premium Term (Years) | Annual Premium Premium is in USD, assuming USD$150,000 basic sum assured. |
Limited offer
Offer 1: Enjoy premium refund of up to 8% of the 1st policy year’s premium! Offer 2: Receive a HK$100 supermarket coupon* upon your first meeting with Generali insurance advisor and complete personal financial survey!
Product Highlights
Promotion offer
Relevant Information
* The information gathered during the survey will be used by Generali Life (Hong Kong) Limited ("Generali”). To be entitled to the offer, the participant must register and complete the personal financial survey with Generali's insurance advisor. Each participant may only participate in the survey once in the past year, counting from the launch of this event. Participants who complete the survey for the first time will receive a HK$100 supermarket coupon, limited while stocks last.
The product is underwritten by Generali Life (Hong Kong) Limited.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Multiple - Specific CI
| 9.3/10 | 7.1/10 | 25 | $4,617 |
Coverage Score Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Terms Score Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Premium Term (Years) | Annual Premium Premium is in USD, assuming USD$150,000 basic sum assured. |
Multiple - 3 Major CI
| 9.3/10 | 8.3/10 | 20 | $5,082 |
Coverage Score Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Terms Score Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Premium Term (Years) | Annual Premium Premium is in USD, assuming USD$150,000 basic sum assured. |
Multiple - 3 Major CI
| 9.3/10 | 8.3/10 | 20 | $5,336 |
Coverage Score Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Terms Score Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Premium Term (Years) | Annual Premium Premium is in USD, assuming USD$150,000 basic sum assured. |
Multiple - Specific CI
| 9.3/10 | 7.1/10 | 25 | $4,564 |
Coverage Score Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Terms Score Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Premium Term (Years) | Annual Premium Premium is in USD, assuming USD$150,000 basic sum assured. |
Limited offer
Enjoy up to 24% premium discount for the first 2 years in total
Product Highlights
At a guaranteed premium, ManuPrimo Care gives you well-rounded protection and multiple coverages below to help ease the financial burden in case a critical illness strikes. Benefit payouts can total up to 1,000% of the notional amount!
- Coverage for up to 121 critical illnesses and diseases, and for stays in Intensive Care Units (ICU) even arising from unknown diseases
- Multiple protection against cancer, heart attack, stroke, dementia or Parkinson’s disease
- 3 payout options for the extra cancer protection, including the first-in-market* late-stage cancer flexi option
- Extra protection if daily living is severely affected
The above content is provided for general information purposes only and does not take account of your individual needs and circumstances. It should not be construed as an insurance advice and does not constitute any offer or any solicitation to offer or a recommendation of any insurance product. Such general information does not contain full terms of the policy, and the full terms can be found in the policy document. Please refer to the relevant product leaflet for product features and risks.
*The statement about this feature being ‘first-in-market’ is based on comparing it with other publicly available critical illness plans issued by Hong Kong’s major life insurance companies for individual customers as at 25 July, 2022.
Promotion offer
Successfully apply for ManuPrimo Care to enjoy up to 24% premium discount for the first 2 year in total.
Limited offer: From January 4, 2023 to March 31, 2023
Relevant information
Terms and conditions apply.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Multiple - All CI
| 9.0/10 | 7.0/10 | 25 | $5,058 |
Coverage Score Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Terms Score Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Premium Term (Years) | Annual Premium Premium is in USD, assuming USD$150,000 basic sum assured. |
Multiple - 3 Major CI
| 9.0/10 | 7.6/10 | 25 | $4,038 |
Coverage Score Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Terms Score Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Premium Term (Years) | Annual Premium Premium is in USD, assuming USD$150,000 basic sum assured. |
Multiple - All CI
| 9.4/10 | 6.8/10 | 25 | $5,145 |
Coverage Score Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Terms Score Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Premium Term (Years) | Annual Premium Premium is in USD, assuming USD$150,000 basic sum assured. |
Multiple - 3 Major CI
| 9.2/10 | 5.3/10 | 25 | $4,787 |
Coverage Score Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Terms Score Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Premium Term (Years) | Annual Premium Premium is in USD, assuming USD$150,000 basic sum assured. |
Multiple - 3 Major CI
| 9.2/10 | 6.0/10 | 25 | $4,086 |
Coverage Score Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Terms Score Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc. | Premium Term (Years) | Annual Premium Premium is in USD, assuming USD$150,000 basic sum assured. |
We found Whole Life Critical Illness product(s) matching your selected filters.
Generali | 忠意保險
LionGuardian Beyond
Coverage Score :
9.4/10
Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Terms Score :
8.8/10
Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Premium Term (Years) :
25
Annual Premium :
$4,100
Premium is in USD, assuming USD$150,000 basic sum assured.
Limited offer
Offer 1: Enjoy premium refund of up to 8% of the 1st policy year’s premium! Offer 2: Receive a HK$100 supermarket coupon* upon your first meeting with Generali insurance advisor and complete personal financial survey!
Product Highlights
Promotion offer
Relevant Information
* The information gathered during the survey will be used by Generali Life (Hong Kong) Limited ("Generali”). To be entitled to the offer, the participant must register and complete the personal financial survey with Generali's insurance advisor. Each participant may only participate in the survey once in the past year, counting from the launch of this event. Participants who complete the survey for the first time will receive a HK$100 supermarket coupon, limited while stocks last.
The product is underwritten by Generali Life (Hong Kong) Limited.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
BOC Life | 中銀人壽
Critical Illness 188 Whole Life Insurance Plan
Coverage Score :
9.3/10
Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Terms Score :
7.1/10
Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Premium Term (Years) :
25
Annual Premium :
$4,617
Premium is in USD, assuming USD$150,000 basic sum assured.
FWD | 富衛
Crisis XDefender Signature
Coverage Score :
9.3/10
Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Terms Score :
8.3/10
Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Premium Term (Years) :
20
Annual Premium :
$5,082
Premium is in USD, assuming USD$150,000 basic sum assured.
FWD | 富衛
Crisis XDefender Signature Plus
Coverage Score :
9.3/10
Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Terms Score :
8.3/10
Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Premium Term (Years) :
20
Annual Premium :
$5,336
Premium is in USD, assuming USD$150,000 basic sum assured.
Manulife | 宏利
ManuPrimo Care
Coverage Score :
9.3/10
Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Terms Score :
7.1/10
Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Premium Term (Years) :
25
Annual Premium :
$4,564
Premium is in USD, assuming USD$150,000 basic sum assured.
Limited offer
Enjoy up to 24% premium discount for the first 2 years in total
Product Highlights
At a guaranteed premium, ManuPrimo Care gives you well-rounded protection and multiple coverages below to help ease the financial burden in case a critical illness strikes. Benefit payouts can total up to 1,000% of the notional amount!
- Coverage for up to 121 critical illnesses and diseases, and for stays in Intensive Care Units (ICU) even arising from unknown diseases
- Multiple protection against cancer, heart attack, stroke, dementia or Parkinson’s disease
- 3 payout options for the extra cancer protection, including the first-in-market* late-stage cancer flexi option
- Extra protection if daily living is severely affected
The above content is provided for general information purposes only and does not take account of your individual needs and circumstances. It should not be construed as an insurance advice and does not constitute any offer or any solicitation to offer or a recommendation of any insurance product. Such general information does not contain full terms of the policy, and the full terms can be found in the policy document. Please refer to the relevant product leaflet for product features and risks.
*The statement about this feature being ‘first-in-market’ is based on comparing it with other publicly available critical illness plans issued by Hong Kong’s major life insurance companies for individual customers as at 25 July, 2022.
Promotion offer
Successfully apply for ManuPrimo Care to enjoy up to 24% premium discount for the first 2 year in total.
Limited offer: From January 4, 2023 to March 31, 2023
Relevant information
Terms and conditions apply.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Sun Life | 永明
SunHealth OmniCare Plan 3
Coverage Score :
9.0/10
Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Terms Score :
7.0/10
Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Premium Term (Years) :
25
Annual Premium :
$5,058
Premium is in USD, assuming USD$150,000 basic sum assured.
FTLife | 富通
HealthCare 168 Plus
Coverage Score :
9.0/10
Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Terms Score :
7.6/10
Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Premium Term (Years) :
25
Annual Premium :
$4,038
Premium is in USD, assuming USD$150,000 basic sum assured.
AXA | 安盛
LoveAssure Plus Critical Illness Plan
Coverage Score :
9.4/10
Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Terms Score :
6.8/10
Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Premium Term (Years) :
25
Annual Premium :
$5,145
Premium is in USD, assuming USD$150,000 basic sum assured.
Prudential | 保誠保險
Health Critical Illness Extended Care III
Coverage Score :
9.2/10
Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Terms Score :
5.3/10
Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Premium Term (Years) :
25
Annual Premium :
$4,787
Premium is in USD, assuming USD$150,000 basic sum assured.
YF Life | 萬通保險
PrimeHealth Pro
Coverage Score :
9.2/10
Critical Illness Coverage Score is calculated based on the benefit payout under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Terms Score :
6.0/10
Critical Illness Terms Score is calculated based on the policy terms and conditions under different single and multiple CI scenarios including cancer, heart disease, stroke, etc.
Premium Term (Years) :
25
Annual Premium :
$4,086
Premium is in USD, assuming USD$150,000 basic sum assured.
Further Readings
Whole Life 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 insured does not make any claims, there will be cash value when surrendering the insurance. In general, whole life critical illness insurance has broader coverage, covering more diseases and some for multiple times.
On the contrary, without having savings component, term life critical illness insurance offers pure protection and needs to be renewed every fixed term (e.g. every 5 years or 10 years). The coverage period of term life critical illness insurance is generally up to around 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:
- Any premium displayed excludes insurance levy collected by the Hong Kong Insurance Authority.
- 10Life Product Comparison and 10Life Insurance Ratings are operated 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, claims and losses 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.
Gender
Male
Female
Age
25
25
35
35
45
45
Smoker Status
Smoker
Smoker
Non-Smoker
Non-Smoker
Multiple Claims
Single CI
Single CI
Multiple - 3 Major CI
Multiple - 3 Major CI
Multiple - Specific CI
Multiple - Specific CI
Multiple - All CI
Multiple - All CI
Any
Any
Currency
USD
USD
Sum Assured
$150,000
$150,000
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