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 | 8.5/10 | 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. |
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 | 8.1/10 | 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 | 8.1/10 | 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. |
Multiple - All CI
| 9.0/10 | 7.3/10 | 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
| 9.0/10 | 6.9/10 | 25 | $4,348 |
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 :
8.5/10
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.
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 :
8.1/10
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) :
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 :
8.1/10
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) :
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.
Sun Life | 永明金融
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 :
7.3/10
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 :
$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.
Manulife | 宏利
ManuBright Care 2 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 :
6.9/10
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 :
$4,348
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.
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