Comparing new generation flagship Critical Illness Insurance from AIA, Manulife, Prudential: coverage and new features (Chinese Article)
新冠肺炎疫情持續，令大家更關注健康保障。今年推出新一代的危疾保險計劃中，除了針對癌症、心臟病、及中風 ... >>
12/10/2020
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Whole Life Critical Illness (“CI”）Insurance mainly covers life threatening diseases. Many current products cover also early stage, minor and juvenile diseases, and the coverage amount differs based on the severity of the illness. A fixed lump sum benefit is payable if the insured is diagnosed with a pre-defined illness. 10Life rates the products based on the value and terms on Cancer, Heart and Stroke benefits, as these diseases make up of over 90% of critical illness claims in Hong Kong. Based on age 35 non-smoking insured, US$150,000 basic sum assured with 20-year (or closest equivalent) premium payment term.
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FTLife | “HealthCare 168 Plus” Critical Illness Protector
9.6/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
New
CI Coverage Score : 9.5/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 9.9/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
Chubb | Embrace Care Critical Illness Protector
9.2/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score : 9.0/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 10.0/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
FWD | Crisis XDefender Signature
8.9/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
New
CI Coverage Score : 8.6/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 10.0/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
China Life | Critical Illness Guardian (Enhanced)
8.9/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score : 9.2/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 7.6/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
YF Life | PrimeHealth Saver 500+
8.9/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score : 9.0/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 8.3/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
FWD | Crisis XDefender Signature Plus
8.7/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
New
CI Coverage Score : 8.4/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 10.0/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
Manulife | ManuBright Care 2
8.4/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score : 8.5/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 8.1/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
Sun Life | SunHealth OmniCare Plan 2
8.4/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score : 8.5/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 8.1/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
China Life | Critical Illness Multiple Protector (SS)
8.2/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score : 8.1/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 8.5/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
BOC Life | Smart Guard Critical Illness Plan
8.2/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score : 7.9/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 9.3/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
9.6/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
New
FTLife | “HealthCare 168 Plus” Critical Illness Protector
CI Coverage Score : 9.5/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 9.9/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
9.2/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
Chubb | Embrace Care Critical Illness Protector
CI Coverage Score : 9.0/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 10.0/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
8.9/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
New
FWD | Crisis XDefender Signature
CI Coverage Score : 8.6/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 10.0/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
8.9/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
China Life | Critical Illness Guardian (Enhanced)
CI Coverage Score : 9.2/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 7.6/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
8.9/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
YF Life | PrimeHealth Saver 500+
CI Coverage Score : 9.0/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 8.3/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
8.7/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
New
FWD | Crisis XDefender Signature Plus
CI Coverage Score : 8.4/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 10.0/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
8.4/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
Manulife | ManuBright Care 2
CI Coverage Score : 8.5/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 8.1/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
8.4/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
Sun Life | SunHealth OmniCare Plan 2
CI Coverage Score : 8.5/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 8.1/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
8.2/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
China Life | Critical Illness Multiple Protector (SS)
CI Coverage Score : 8.1/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 8.5/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
8.2/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
BOC Life | Smart Guard Critical Illness Plan
CI Coverage Score : 7.9/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Guaranteed Return Score : 9.3/10
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
Further Readings
10Life Rating Methodology Update Reflecting New Features on Critical Illness Coverage (with 2020 Q3 Top 10 Whole Life CI Insurance)
癌症、心臟病、中風等嚴重疾病有年輕化趨勢，令不少人考慮投保危疾保險。對於市場上最熱門的終身危疾保險， ... >>
08/10/2020
Return on Whole Life Critical Illness Insurance (Chinese article)
終身危疾保險向來受歡迎，受保人可得到危疾保障，而產品本身亦有儲蓄成分，倘若受保人無病無痛 ... >>
31/08/2020
Comparing Whole Life Critical Illness Insurance (single CI) (Chinese Article)
早前筆者撰文，介紹了3個於今年第一季推出的終生危疾保險新產品，它們來自宏利、保誠及萬通保險，當中有單 ... >>
31/08/2020
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:
- The above premium excludes insurance levy collected by the Insurance Authority.
- 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.
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