ARTICLE

Percentage of Medical Insurance Claims Made by Policyholders Under 40?

6-min read

Updated on 2026-2-27

Author：AIA Content Editorial Team

medical claims - Cancer critical illness claims - AIA insurance

According to the Cancer Online Resource Hub , cancer is one of the leading non-communicable diseases in Hong Kong and remains the primary driver of cancer-related insurance claims, including both medical insurance claims under 40 and critical illness insurance claims. Over the past decade, cancer incidence has increased at an average annual rate of approximately 2.4%. In 2022, Hong Kong recorded 35,373 new cancer cases, representing a decrease of 3,089 cases or an 8.0% drop compared to 2021. On average, 97 people are diagnosed with cancer every day.

Cancer cases are becoming younger – Approximately 25% of Claims Are Under 40

Cancer Remains the Leading Cause of Medical and Critical Illness Claims

Top 5 Cancer-Related Critical Illness Claims Among Policyholders: Breast Cancer, Endocrine Tumors, Respiratory Tumors, Gastrointestinal Cancer, and Gynecological Tumors

Approximately 60% of medical and critical illness claims are submitted by female policyholders, with women accounting for about 70% of cancer cases. This highlights the importance of tailored coverage for female policyholders².

In the past, AIA has made substantial payouts. For example, in 2020, AIA disbursed over HKD 4.8 billion in medical and critical illness claims², including HKD 3.3 billion for medical claims and HKD 1.5 billion for critical illness claims.

After reviewing these numbers, I hope you understand that young people also need medical and critical illness protection. Cancer is a significant health threat, and it is important for everyone to plan appropriate protection for themselves and their families.

Now that you're aware of the risks, it's important to understand the steps you need to take if you or a loved one needs to file a medical or critical illness insurance claim. By preparing early, you can navigate the process confidently.

4-Step Guide to Filing Critical Illness Insurance and Medical Insurance Claims

Step 1: Prepare Your Claim Documents
Step 2: Submit Your Claim via "AIA+" platform
Step 3: Receive Claim Outcome Notification
Step 4: Receive Your Claim Payout

Medical insurance claims FAQ

Yes. Medical insurance claims data indicate that a significant portion of cancer-related medical and critical illness claims are filed by policyholders under 40. Early coverage helps mitigate high medical expenses and provides financial security during treatment and recovery.

Cancer is the leading cause of both medical insurance claims and critical illness claims in Hong Kong. Among cancer-related claims, the most frequently reported conditions are breast cancer, gastrointestinal cancer, respiratory tumors, endocrine tumors, and gynecological cancers.

Claim processing time varies depending on the completeness of submitted documents and the insurer's review process. Once all required medical reports and claim forms are submitted via platforms such as "AIA+" platform, claim outcomes and payouts are processed within a standard processing period.

This information is owned by AIA, and may not be copied or reproduced without AIA's written consent. You may not copy or store this content on any other website or content platform.

This information is for general reference only and does not constitute sales advice, product recommendations, or service offers. Before purchasing an insurance product, customers must complete a financial needs analysis. AIA does not guarantee the accuracy and completeness of the content and information provided. AIA reserves the right to pursue legal action and seek compensation for any infringement and/or legal issues.

This document was designed and developed by AIA from data or information gathered from internal or external sources. This document is for information and reference purpose only, and should not be considered as a recommendation, an offer or solicitation for any of the insurance products mentioned herein. While we have endeavoured to ensure the content of the document is accurate, comprehensive and timeliness at the time of preparation and/or updating of the document, however, we do not guarantee nor warrant the accuracy, completeness and timeliness of the data source. Thus, we are not liable for any claim and/or loss arising from the data source. Any opinion or information contained in the document is made on a general basis and should not be relied upon by the readers as advice. AIA reserves the right to make changes and amendments to its opinions expressed and information contained in the document at any time, without any prior notice. You are advised to seek independent advice from appropriate professionals (such as, licensed investment advisor/financial consultants, etc.) before making any decision on the topic(s) mentioned in the document. AIA expressly disclaims all liability for the use or interpretation by others of information contained in this document.

^1.癌症網上資源中心 - 本地癌症 - 香港癌症統計概覽 https://www.cancer.gov.hk/tc/hong_kong_cancer/overview_of_cancer_statistics_in_hong_kong.html

^2.AIA是指友邦香港及澳門。以上數據僅包括已審批個案，並以保障類別計算，而以上理賠金額以四捨五入作計算及以約數作表達。有關醫療理賠報告之數據及資料，只包括友邦香港及澳門有關醫療計劃保障範圍內之賠償，並不包括其他一般門診賠償及住院現金。

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Are you an existing customer?*

No Yes

Policy number (optional)

First Name*
Last Name*
What's your phone number?*
What's your email?*
Preferred Contact Method*
Preferred Language*

I agree to the relevant AIA Entity's use of my personal data for the above purposes in accordance with the Personal Information Collection Statement. I further consent to the relevant AIA Entity's use of my personal data provided above for the AIA Entity's financial planner to contact me.

Additional Info

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Percentage of Medical Insurance Claims Made by Policyholders Under 40?

Cancer cases are becoming younger – Approximately 25% of Claims Are Under 40

Cancer Remains the Leading Cause of Medical and Critical Illness Claims

Top 5 Cancer-Related Critical Illness Claims Among Policyholders: Breast Cancer, Endocrine Tumors, Respiratory Tumors, Gastrointestinal Cancer, and Gynecological Tumors

4-Step Guide to Filing Critical Illness Insurance and Medical Insurance Claims