CRITICAL ILLNESS

Critical illness plans

One flagship critical illness plan from each of 13 insurers. Parameters and highlights are compiled from each insurer's official product page and product brochure.

Product information on this page is compiled from each insurer's official product page and product brochure (checked 2026-09-30). The button at the foot of every card links straight to that plan on the insurer's official site. Numbers of covered conditions, policy currency, premium term and benefit term are factual product parameters; non-guaranteed benefits (such as dividends and terminal bonuses) are not shown here. Condition definitions, claim requirements, exclusions and the latest arrangements are governed by the insurer's formal policy terms.

PRODUCT LIBRARY

Plan library

Narrow down by benefit term first, then compare the number of covered conditions, premium term and multiple-payout design. All 13 plans listed above are their insurer's flagship multiple-payout plan.

Coverage term

Insurer

AIAAIA

On Your Side Insurance Plan 2

Multiple payout115 conditions

Policy currencyUSD

Premium term10 / 18 / 25 years

Coverage termWhole life

Highlights: Long multiple-payout runway with a monthly cash option for cancer

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

Official product page

PrudentialPrudential

PRUHealth Guardian Critical Illness Insurance Plan

Multiple payout127 conditions

Policy currencyHKD / USD

Premium term5 / 10 / 15 / 20 / 25 years

Coverage termWhole life

Highlights: Group-based extension cover, with the widest choice of premium terms

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

Official product page

AXAAXA

TotalAssure Plus Critical Illness Plan

Multiple payout135 conditions

Policy currencyHKD / USD

Premium term10 / 15 / 20 / 25 years

Coverage termTo age 100

Highlights: High total cover multiple, with standardised condition definitions built in

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

Official product page

ManulifeManulife

ManuBright Care 2 Plus

Multiple payout112 critical illnesses

Policy currencyHKD / USD

Premium term10 / 20 / 25 years and to age 65

Coverage termTo age 100

Highlights: Level premiums with intensive care cover for unnamed conditions

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

Official product page

CTF LifeCTF Life

“FamCare 198” Critical Illness Insurance Plan

Multiple payout198 conditions

Policy currencyUSD

Premium term10 / 15 / 20 / 25 years

Coverage termTo age 100

Highlights: Family extension cover with no separate underwriting for spouse and children

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

Official product page

YF LifeYF Life

YF PrimeHealth Pro (Signature)

Multiple payout182 conditions

Policy currencyUSD / HKD

Premium term10 / 15 / 20 / 25 years

Coverage termTo age 100

Highlights: High issue-age ceiling plus severe childhood illness cover

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

Official product page

China Life (Overseas)China Life (Overseas)

TotalGuard Critical Illness Multiple Protector Series

Multiple payout194 conditions

Policy currencyHKD / USD

Premium term10 / 20 / 25 years

Coverage termTo age 100

Highlights: Chronic "three highs" conditions covered, with self-selected severe illnesses

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

Official product page

CPIC Life (HK)CPIC Life (HK)

At Ease Critical Illness Insurance Plan

Multiple payout139 conditions

Policy currencyUSD

Premium term10 / 15 / 20 / 25 years

Coverage termTo age 130

Highlights: Benefit term out to age 130, with cover boosted to 150% in the first 10 years

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

Official product page

Well Link LifeWell Link Life

Well Protect Critical Illness Insurance Plan

Multiple payout107 conditions

Policy currencyHKD / USD

Premium term5 / 10 / 15 / 20 years

Coverage termTo age 100

Highlights: Flexible premium terms, with repeat payouts for two early-stage 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

Official product page

BOC LifeBOC Life

Critical Illness 188 Whole Life Insurance Plan

Multiple payout188 conditions

Policy currencyRMB / HKD / USD

Premium term10 / 20 / 25 years

Coverage termWhole life

Highlights: A high condition count with a clearly stated payout multiple

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

Official product page

Sun LifeSun Life

SunWell Advanced Care / SunWell Supreme Care

Multiple payout188 conditions + 38 surgeries

Policy currencyUSD

Premium term10 / 15 / 20 / 25 years

Coverage termWhole life

Highlights: No waiting period between the three major illnesses, groups counted separately

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

Official product page

China Taiping (Hong Kong)China Taiping

CoverWell Critical Illness Multi Insurance Plan

Multiple payout202 conditions

Policy currencyUSD / HKD

Premium term10 / 18 / 25 years

Coverage termWhole life

Highlights: The highest condition count here, plus an elderly-care income benefit

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

Official product page

FWDFWD

Crisis OneMaster / Crisis OneMaster Pro

Multiple payout170 conditions

Policy currencyHKD / USD

Premium term10 / 15 / 20 / 25 / 30 years

Coverage termTo age 100

Highlights: A very high cover multiple, with extra payouts for designated cancers

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

Official product page

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KEY POINTS

Four things to focus on

Is the sum assured enough, can it pay out more than once, can early-stage illness be advanced, and can premiums be waived.

Is the sum assured enough

A common rule of thumb is three to five years of income, to cover treatment, recovery and household costs while income is interrupted.

Multiple payout mechanics

Check how many payouts are available, the waiting period between claims, and whether conditions are grouped so that only one claim per group is allowed.

Early-stage advances

Early-stage conditions are usually advanced as a percentage of the sum assured — note whether the main sum assured is reduced as a result.

Premium waiver

On diagnosis of a specified condition, remaining premiums may be waived while cover continues. This matters especially for long premium terms.

FAQ

Common questions

I already have medical insurance — do I still need critical illness cover?

They do different jobs. Medical insurance reimburses actual treatment costs; critical illness cover pays a lump sum on diagnosis, which can replace lost income, fund recovery care and cover household expenses.

Is multiple payout worth the extra premium?

It is worth prioritising if there is family history or a concern about cancer recurrence. On a limited budget, getting the first sum assured high enough is usually more practical than chasing payout counts.

Savings-type or pure protection?

Savings-type critical illness cover includes cash value and dividends, costs more, but grows over the long term. Pure protection costs less, so the same budget buys a higher sum assured.

What health information must I declare?

You must declare past medical history, any abnormal examination results and current medication truthfully. Non-disclosure can lead to a claim being declined or the policy being voided.