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Whole Life Critical Illness

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.
We found Whole Life Critical Illness product(s) matching your selected filters.
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FTLife | 富通
“HealthCare 168 Plus” Critical Illness Protector
Product Details
Multiple CISavings
9.6/10
9.5/10
9.5/10
9.5/10
9.9/10
10Life Rating
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
Guaranteed Return Score
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
Chubb | 安達人壽
Embrace Care Critical Illness Protector
Product Details
Multiple CISavings
9.3/10
9.2/10
9.1/10
9.4/10
10.0/10
10Life Rating
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
Guaranteed Return Score
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
YF Life | 萬通保險
Primehealth Pro
Product Details
Multiple CISavings
8.9/10
9.1/10
8.9/10
9.5/10
8.3/10
10Life Rating
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
Guaranteed Return Score
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
Action Now
FWD | 富衛
Crisis XDefender Signature
Product Details
Multiple CISavings
8.9/10
8.6/10
8.2/10
9.7/10
10.0/10
10Life Rating
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
Guaranteed Return Score
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
China Life | 中國人壽
Critical Illness Guardian (Enhanced)
Product Details
Multiple CISavings
8.9/10
9.2/10
9.1/10
9.6/10
7.6/10
10Life Rating
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
Guaranteed Return Score
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
FWD | 富衛
Crisis XDefender Signature Plus
Product Details
Multiple CISavings
8.7/10
8.4/10
7.8/10
9.7/10
10.0/10
10Life Rating
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
Guaranteed Return Score
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
New
Sun Life | 永明金融
SunHealth LovePromise
Product Details
Multiple CISavings
8.6/10
8.7/10
8.3/10
9.5/10
8.3/10
10Life Rating
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
Guaranteed Return Score
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
Manulife | 宏利
ManuBright Care 2
Product Details
Multiple CISavings
8.4/10
8.5/10
8.2/10
9.2/10
8.1/10
10Life Rating
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
Guaranteed Return Score
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
Sun Life | 永明金融
SunHealth OmniCare Plan 2
Product Details
Multiple CISavings
8.4/10
8.5/10
8.1/10
9.3/10
8.1/10
10Life Rating
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
Guaranteed Return Score
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)
China Life | 中國人壽
Critical Illness Multiple Protector (SS)
Product Details
Multiple CISavings
8.2/10
8.1/10
8.8/10
6.6/10
8.5/10
10Life Rating
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
Guaranteed Return Score
Guaranteed Return Score is based on the 20th and 30th guaranteed return ratio. (= Guaranteed Cash Value ÷ Total Premium Paid)

Whole Life Critical Illness

We found Whole Life Critical Illness product(s) matching your selected filters.
FTLife | 富通
“HealthCare 168 Plus” Critical Illness Protector
Multiple CISavings
10Life Rating :
9.6/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score :
9.5/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score :
9.5/10
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score :
9.5/10
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
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 | 安達人壽
Embrace Care Critical Illness Protector
Multiple CISavings
10Life Rating :
9.3/10
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.
Single CI Coverage Score :
9.1/10
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score :
9.4/10
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
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)
YF Life | 萬通保險
Primehealth Pro
Multiple CISavings
10Life Rating :
8.9/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score :
9.1/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score :
8.9/10
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score :
9.5/10
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
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)
Action Now
FWD | 富衛
Crisis XDefender Signature
Multiple CISavings
10Life Rating :
8.9/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score :
8.6/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score :
8.2/10
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score :
9.7/10
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
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 | 中國人壽
Critical Illness Guardian (Enhanced)
Multiple CISavings
10Life Rating :
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.
Single CI Coverage Score :
9.1/10
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score :
9.6/10
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
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)
FWD | 富衛
Crisis XDefender Signature Plus
Multiple CISavings
10Life Rating :
8.7/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score :
8.4/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score :
7.8/10
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score :
9.7/10
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
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)
New
Sun Life | 永明金融
SunHealth LovePromise
Multiple CISavings
10Life Rating :
8.6/10
Overall Critical Illness (CI) Score includes CI Coverage (80%) and Guaranteed Return (20%). Details
CI Coverage Score :
8.7/10
Critical Illness Coverage Score, a weighted score on single CI coverage and multiple CI coverage.
Single CI Coverage Score :
8.3/10
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score :
9.5/10
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
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)
Manulife | 宏利
ManuBright Care 2
Multiple CISavings
10Life Rating :
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.
Single CI Coverage Score :
8.2/10
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score :
9.2/10
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
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 | 永明金融
SunHealth OmniCare Plan 2
Multiple CISavings
10Life Rating :
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.
Single CI Coverage Score :
8.1/10
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score :
9.3/10
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
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 | 中國人壽
Critical Illness Multiple Protector (SS)
Multiple CISavings
10Life Rating :
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.
Single CI Coverage Score :
8.8/10
Single Critical Illness Coverage Score, a weighted score on the multiplier and terms on Cancer, Heart Attack and Stroke.
Multiple CI Coverage Score :
6.6/10
Multiple Critical Illness Coverage Score, a weighted score on the multiplier and terms on second Cancer, Heart Attack, Stroke, and other critical illnesses.
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)

Further Readings

Innovative Coverage on Critical Illness Insurance (Top 10 Whole Life CI Products) | 10Life
18/01/2022
10Life Team
Critical Illness
Comparing Term and Whole Life Critical Illness Insurance 2022
24/06/2022
10Life Team
Critical Illness
Comparing Flagship Critical Illness Insurance from AIA, Manulife, Prudential (Updated 2021 Q3) (Chinese Article)
28/06/2021
10Life Team
Critical Illness
[Comparing Whole Life CI Insurance] Over 50% coverage difference for the same price? Which CI plan gives you the best value for money?
24/06/2021
10Life Team
Critical Illness

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:

  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.

If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10Life.com.

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