Return structure
Share of guaranteed cash value, non-guaranteed dividend mechanics (annual / reversionary / terminal), the surrender value curve and break-even point.
COMPARISON
Product comparison
Savings and critical illness plans in one table. Filter by insurer or type, then compare column by column.
The table gathers the 26 plans featured on this site (13 savings, 13 critical illness). Plan names and parameters come from each insurer's official product page and product brochure (see the checked date in the page notice on the savings and critical illness pages). "Key features" summarises official highlights only — non-guaranteed benefits are not listed. For a formal comparison, refer to each insurer's benefit illustration.
TABLE
Full comparison table
Sort by clicking a header, then use the filters to narrow the shortlist to two or three plans before reading the illustrations.
| Insurer | Plan | Sub-type | Premium term | Policy currency | Coverage term | Key features |
|---|---|---|---|---|---|---|
| AIA | Global Power Multi-Currency Plan 3 | Multi-currency | Single / 3 / 5 / 10 years | 9 currencies | Whole of life | Up to 9 policy currencies, chosen at application and convertible from the end of the 2nd policy year (described by AIA as the earliest in the market) · Policy split option lets one policy be divided into several, for flexible asset allocation · Bonus and dividend lock-in / unlock options to realise potential gains or roll them back; a mental incapacity option is also available |
| Prudential | Prime Horizon Insurance Plan | Dividend savings | 2 years | USD | To age 100 | Just 2 years of premiums completes funding, and no medical underwriting is required regardless of premium size · Bonus lock-in and unlock available from the 10th policy anniversary; locked value becomes guaranteed and earns interest · Autonomous income from the 5th policy anniversary and policy splitting from the 2nd; policy trustee and contingent insured options |
| AXA | WealthAhead II Savings Insurance – Supreme | Multi-currency | 2 / 5 / 10 years | 9 currencies | To age 138 | Up to 9 policy currencies with unlimited currency conversions, helping reduce currency risk · Dual currency accounts (primary and global) allow policy value to be locked while earning interest in the chosen currency · Wealth butler service, described by AXA as a market first, tailors withdrawals for up to 3 payees; unlimited change of insured with cover to the new insured's age 138 |
| Manulife | Genesis Centurion Insurance Plan | Multi-currency | Single / 3 / 5 years | 7 currencies | Whole of life | Seven policy currencies available for conversion from the 3rd policy anniversary, to capture global opportunities · Guaranteed cash value forms the base, with non-guaranteed terminal bonus driving long-term growth potential · Unlimited change of insured, working alongside policy splitting and instalment death benefit arrangements |
| CTF Life | MyWealth Beyond Savings Insurance Plan | Multi-currency | Single / 5 / 12 years | USD (convertible to 8) | To age 128 | A dedicated Wealth Flexi Reallocation Option lets you shift the proportion held in stable assets · Policy currency can be changed freely to match a global plan · Flexible policy value withdrawal, payable directly to a designated payee; both single premium and regular premium modes |
| YF Life | Beyond Infinity Savings Insurance Plan | Multi-currency | 2 / 5 / 10 years | 10 currencies | Whole of life | Up to 10 policy currencies available for selection and conversion (Macao pataca applies only to policies issued in Macao) · Guaranteed cash value plus non-guaranteed reversionary and terminal bonuses; bonus lock-in / unlock, premium holiday and flexible withdrawal · Described by YF Life as a market exclusive: up to 12 lifetime annuity options, plus a policy-split advance instruction and policy trustee service |
| China Life (Overseas) | Glory Income Insurance Plan | Dividend savings | 5 years | HKD / USD | To age 138 | Guaranteed cash coupons are paid every year from the 5th to the 30th policy year, equal to 3.88% of the basic amount · Non-guaranteed dividends from the 31st policy anniversary and a non-guaranteed terminal dividend from the 8th · Policy split right, unlimited change of insured and a contingent insured arrangement; prepaid premiums earn a guaranteed preferential interest rate |
| CPIC Life (HK) | Everlasting Treasure Savings Insurance Plan 2 (Glory Version) | Dividend savings | Single / 3 years | USD | To age 130 | Guaranteed cash value provides a steady return, with a non-guaranteed terminal dividend for long-term growth potential · Issue age from 15 days to 80 for single premium, and to 75 for the 3-year premium term · The 3-year option allows all premiums to be prepaid at a guaranteed 4.5% per annum (a promotional offer subject to terms) |
| Well Link Life | Well Save Annual Coupon Plan 3 | Dividend savings | Single / 5 years | HKD / RMB / USD | 20 / 30 years | Guaranteed cash can be drawn on each policy anniversary from the 1st until maturity, up to 2% per year · Non-guaranteed annual dividends from the 1st policy anniversary, and a one-off non-guaranteed terminal dividend from the 6th · Simple application with no medical examination or health declaration; death benefit is the higher of guaranteed cash value or 102% of premiums paid |
| BOC Life | Glamorous Glow Global Whole Life Insurance Plan | Multi-currency | Single / 2 / 3 / 5 / 10 years | 8 currencies | Whole of life | Eight policy currencies with a currency conversion option, exercisable once per policy year from the 3rd policy anniversary · Guaranteed cash value plus annual and terminal dividends; from the 20th anniversary the surrender value can be retained on deposit with the insurer · Twelve 'Wisdom Wealth' advance policy instruction payout options and a contingent insured; prepaying 2- or 3-year premiums earns up to 6% guaranteed interest per annum |
| Sun Life | Stellar Multi-Currency Insurance Plan II | Multi-currency | 3 / 6 / 12 / 18 years | 6 currencies | To policy year 120 | Six policy currencies freely convertible — USD, CAD, GBP, RMB, AUD or HKD · Guaranteed cash value plus non-guaranteed dividends; a value lock option gives more certainty over potential gains · Premium relief feature, incapacity safety net, backup policy owner and policy custodian; described as an ESG-focused savings plan |
| China Taiping (Hong Kong) | New Golden Life Savings Insurance Plan (Legacy Edition) | Dividend savings | Single / 2 / 5 years | USD / HKD / RMB | To age 130 | Guaranteed cash value plus reversionary bonus, terminal dividend and — from the 11th policy year — an extra terminal dividend · A policy currency conversion option from the 3rd policy anniversary, with policy value recalculated at the prevailing exchange rate · Flexible withdrawal of policy value from the 4th policy year, payable directly to a designated payee; 7 settlement options for the death benefit |
| FWD | Wealth ICON Supreme III Insurance Plan | Dividend savings | Single premium | HKD / USD / RMB | To age 138 | A single premium starts the plan off with a relatively high guaranteed cash value, alongside mid- to long-term potential returns · Special bonus lock-in option from the 15th policy year (automatic or flexible), converting part of the special bonus into annual dividends · Policy split from the 5th policy anniversary; unlimited change of insured after the end of the 1st policy year, plus a contingent insured option |
| AIA | On Your Side Insurance Plan 2 | Multiple payout | 10 / 18 / 25 years | USD | Whole life | 115 conditions · 10X Multiple Critical Illness Benefit: up to 10 additional payouts of 100% of the original sum assured for cancer, heart attack, stroke, Alzheimer's disease / irreversible organic brain degeneration and Parkinson's disease · Severe Illness Benefit plus the 10X Multiple Critical Illness Benefit give total payouts of up to 1,100% of the original sum assured, with cover to age 85 · Ongoing Cancer Cash Option: withdraw 5% of the original sum assured per month for up to 100 months or to age 85, whichever is earlier |
| Prudential | PRUHealth Guardian Critical Illness Insurance Plan | Multiple payout | 5 / 10 / 15 / 20 / 25 years | HKD / USD | Whole life | 127 conditions · Cover for 127 conditions; together the Severe Illness Benefit and its extension give total cover of up to 1,000% of the basic sum assured · The severe illness extension benefit is split into 5 disease groups, each with its own payout ceiling, adding up to 900% of the basic sum assured · Covers 22 childhood conditions up to age 18; a "Baby Guardian" version accepts expectant mothers from the 20th week of pregnancy |
| AXA | TotalAssure Plus Critical Illness Plan | Multiple payout | 10 / 15 / 20 / 25 years | HKD / USD | To age 100 | 135 conditions · Total cover of up to 1,300% of the sum assured · Covers 135 non-severe and severe conditions, and automatically adopts the 21 standardised critical illness definitions of the Hong Kong Federation of Insurers · Ongoing benefits for cancer, stroke and severe cognitive impairment, plus a stroke rehabilitation benefit and a dementia carer's annuity |
| Manulife | ManuBright Care 2 Plus | Multiple payout | 10 / 20 / 25 years and to age 65 | HKD / USD | To age 100 | 112 critical illnesses · Total cover of up to 480% of the nominal amount, with annual financial support throughout cancer treatment · Covers 112 critical illnesses: 60 severe, 44 early-stage and 8 childhood conditions · Intensive care benefit spans named and unnamed conditions and injuries; premiums are guaranteed not to increase during the chosen premium term |
| CTF Life | “FamCare 198” Critical Illness Insurance Plan | Multiple payout | 10 / 15 / 20 / 25 years | USD | To age 100 | 198 conditions · Total payouts of up to 600% of the sum assured: after a first severity-3 critical illness, 100% of the sum assured each for 3 further cancers and 3 further strokes or severe heart attacks · Covers 198 conditions and extends protection to the spouse and children without separate underwriting · Premium waiver on the death of a parent / guardian or the accidental death of a spouse; a pregnancy version covers the expectant mother and newborn |
| YF Life | YF PrimeHealth Pro (Signature) | Multiple payout | 10 / 15 / 20 / 25 years | USD / HKD | To age 100 | 182 conditions · Covers 182 conditions, with multiple critical illness benefit up to age 85 · Issue age up to 70, with the benefit term running to age 100 of the insured · Covers 33 severe childhood diseases up to age 25 of the insured, at up to 30% of the basic sum assured |
| China Life (Overseas) | TotalGuard Critical Illness Multiple Protector Series | Multiple payout | 10 / 20 / 25 years | HKD / USD | To age 100 | 194 conditions · Covers 194 conditions, including the chronic "three highs" — hypertension, hyperlipidaemia and diabetes · Major illness benefit plus multiple major illness benefit give up to 8 claims in total; total cover under the self-selected version reaches 980% of the original sum assured · The self-selected version lets you pick 3 of 6 designated severe illnesses for extra cover, and includes a continuous cancer support benefit |
| CPIC Life (HK) | At Ease Critical Illness Insurance Plan | Multiple payout | 10 / 15 / 20 / 25 years | USD | To age 130 | 139 conditions · Covers 72 major illnesses, 53 early-stage critical illnesses and 14 severe childhood diseases — 139 in total · In the first 10 policy years, major illness and death cover is upgraded to 150% · Benefit term runs to age 130 of the insured; includes a multiple cancer benefit and a critical illness premium waiver |
| Well Link Life | Well Protect Critical Illness Insurance Plan | Multiple payout | 5 / 10 / 15 / 20 years | HKD / USD | To age 100 | 107 conditions · Covers 107 conditions across different stages; the early-stage critical illnesses of angioplasty and carcinoma-in-situ can each be claimed up to twice · Critical illness cover includes 4 additional multiple cancer claims, paying up to 400% of the sum assured · Life cover to age 100; four premium payment terms — 5, 10, 15 and 20 years |
| BOC Life | Critical Illness 188 Whole Life Insurance Plan | Multiple payout | 10 / 20 / 25 years | RMB / HKD / USD | Whole life | 188 conditions · Covers 188 conditions, with total payouts of up to 550% of the sum assured · Includes a multiple critical illness benefit and ongoing support benefit, and enhances cover for benign conditions · Covers intensive care unit stays, and provides a premium waiver on the death of the insured's spouse or parent |
| Sun Life | SunWell Advanced Care / SunWell Supreme Care | Multiple payout | 10 / 15 / 20 / 25 years | USD | Whole life | 188 conditions + 38 surgeries · Covers 188 insured conditions plus 38 designated complex surgeries, with cover to whole life · Up to 7 multiple payouts; no waiting period between cancer, stroke and heart disease · The 3 major severe illnesses in Group 1 have their own claim counts, plus extra cover for 12 male- and 12 female-specific conditions |
| China Taiping (Hong Kong) | CoverWell Critical Illness Multi Insurance Plan | Multiple payout | 10 / 18 / 25 years | USD / HKD | Whole life | 202 conditions · Covers 202 conditions: 86 major, 14 intermediate, 78 early-stage and 24 severe childhood diseases · After the major critical illness benefit is paid, up to 5 further claims for cancer, stroke or heart disease, giving up to 500% of the original sum assured in extra cover · Cancer cover accumulates to 850% of the original sum assured; includes an elderly-care income benefit and two tiers of intensive care unit benefit |
| FWD | Crisis OneMaster / Crisis OneMaster Pro | Multiple payout | 10 / 15 / 20 / 25 / 30 years | HKD / USD | To age 100 | 170 conditions · Covers 68 major critical illnesses, 80 severe diseases and 22 childhood diseases — 170 in total · Maximum benefit amount can exceed 2,080% of the original sum assured · Designated cancers — lung, colon, breast or prostate — attract an extra 25% of the original sum assured |
No plan matches these filters. Try a different combination.
TREND
Two trend charts
Type in the key figures from your own policy illustration: savings plans by projected cash value, critical illness by projected sum assured. Every point on the chart is a number you entered — the site only joins the dots. It neither illustrates a product for an insurer nor assumes a return for you.
Self-filled tool: every point on these charts comes from the numbers you enter yourself. This site does not hold or use any insurer's official benefit illustration data. The default values are only a throwaway example — replace them with the figures in your own illustration. Blank fields stay blank; neither the chart nor the table will fill them in for you.
Critical illness plans: does the sum assured grow over time?
We went through the official product pages and brochures of all 13 critical illness plans, one by one, and recorded only the mechanisms the insurers state in writing. The result: all 13 pay a dividend on top of the sum assured (and that dividend is not guaranteed), while some also offer an optional inflation-increase benefit. This table is what explains why the cover in a given year on the chart above can sit above the nominal sum assured.
| Insurer | How the sum assured grows | Official source |
|---|---|---|
| AIA | Product page | |
| Prudential | Product page | |
| AXA | Product page | |
| Manulife | Product page | |
| CTF Life | Product page | |
| YF Life | Product page | |
| China Life (Overseas) | Product page | |
| CPIC Life (HK) | Product page | |
| Well Link Life | Product page | |
| BOC Life | Product page | |
| Sun Life | Product page | |
| China Taiping (Hong Kong) | Product page | |
| FWD | Product page |
- Participating: dividends paid with the claimThe plan is a participating policy. On diagnosis of a critical illness, the payout is the sum assured plus the face value of any declared dividend. That dividend accumulates over the policy term and is not guaranteed, so the payout does grow over time.
- Optional inflation increase: sum assured rises yearlyThe sum assured rises automatically each year only if you pay an extra premium for the inflation / increase option, and the rate of increase is set by reference to inflation. Without that option attached, the sum assured stays level.
How to use this: enter the cover by year in the chart above, then read this column — for a plan marked "participating", the part above the nominal sum assured is dividend face value and not guaranteed; plans marked "optional inflation increase" have a second, contractual route to a rising sum assured (an extra premium applies).
Verified: 2026-10-10
DIMENSIONS
Six dimensions to compare
Beyond the numbers, structure, service and personal fit all decide whether a policy is right.
Insurer strength
Ownership, length of operation in Hong Kong, fulfilment ratio history and how conservative the investment strategy is.
Coverage
For critical illness: conditions covered, payout counts and waiting periods. For savings: death benefit and succession flexibility.
Cost and flexibility
Premiums, the insurance levy, currency switching and partial surrender arrangements, and whether policy loans are available.
Service experience
Application and underwriting process, claims efficiency, online servicing platforms and how responsive after-sales support is.
Personal fit
Whether the term, currency and stage of family responsibility line up with your situation. This one carries the most weight.
WORKFLOW
A three-step approach
Subtract first, then add: rule out what clearly does not fit, then go deeper on what is left.
01
Use filters to subtract
Lock in a plan type and two or three insurers, rather than jumping between a dozen plans.
02
Focus on the real differences
Only look at columns where plans genuinely differ — premium term, currency options, multiple-payout waiting periods — and how they match your needs.
03
Finish with IRR and fulfilment ratios
Run the IRR for savings plans, check condition definitions for critical illness cover, then look at the insurer's fulfilment ratio history.