Protecting my loved ones

ARTICLE

Prepare for the unexpected, so you don't have to worry about crushing medical expenses!

3-min read

Healthy body Healthy finances Healthy mind

With the continuing advances in modern medicine, people can enjoy much better treatment nowadays if they get sick or have an accident. But the cost of many treatments, not to mention the cost of care and support during recovery, can be a huge worry without adequate medical insurance coverage or financial reserves.
If you don't have enough protection in case of critical illness, you will not only have to worry about paying the treatment costs, and medical expenses, but also your living expenses your children's education, your mortgage payments and other commitments while critical illness strikes.
In the unfortunate event of a serious illness, financial problems can cause hardship for you and your family and loved ones.

Treatment cost for cancer is far beyond expectation¹

Colorectum cancer ~HK$1,000,000
Lung cancer ~HK$1,000,000
Breast cancer ~HK$970,000
Liver cancer ~HK$950,000
Prostate cancer ~HK$710,000

After the treatment for common cancer, the 5-year rehabilitation cost is HK$520,000 on average²

Patients with diseases such as stroke³ and heart disease⁴ will recover faster and better if they receive continuous care after discharged. Rehabilitative Support is very important to improve daily lives of patients.

Always take care of your health for maximum protection

PREVENTION & PREDICTION
Prevention is always better than cure. So make a habit of regular exercise, eating a balanced diet and getting sufficient sleep. These will all help to keep you in good shape so you are less likely to get sick in the first place. Check to make sure. Get regular health checks and health risk assessments, such as cancer screening or predictive cancer genetic testing, to spot and deal with any potential problems early.
DIAGNOSIS
Not sure? Ask a professional. Get professional advice if you are not sure about your health or have a worry. Getting a professional diagnosis will help you understand your condition better and get the right treatment at the right time.
TREATMENT
Are you covered? If you do get sick, you will need comprehensive medical and critical illness protection to provide the financial support to get you early access to the appropriate treatment for your condition.
REHABILITATION
Getting better? Proper rehabilitation is essential after any serious illness. So make sure you have a protection plan that includes follow-up medical services and additional nursing if you need them to recover fully.

Charges on Union Hospital (as of 15 January 2021), Fee Schedules of Hong Kong Sanatorium & Hospital (as of January 2021), Hong Kong Breast Cancer and Disease Centre, Hong Kong Cancer Fund and media report. The information is extracted from AIA's Research of Critical Illness Trends and Medical Expenses by GfK Hong Kong, an independent market research company (data collected in May 2021) .
Charges on Union Hospital (as of 15 January 2021), Fee Schedules of Hong Kong Sanatorium & Hospital (updated in January 2021), Hong Kong Breast Cancer and Disease Centre, Hong Kong Cancer Fund and media report. The 5-year rehabilitation cost of common cancer including colorectum cancer, lung cancer, breast cancer and liver cancer. The information is extracted from AIA's Research of Critical Illness Trends and Medical Expenses by GfK Hong Kong, an independent market research company (data collected in May 2021) .
Ming Pao "Heart2Heart". Start Early! Stroke Rehabilitation Helps to Pick Up Independent Living Faster (October 2020)
https://brainhealth-hk.org/2022/03/明報-中風復康治療-加快重拾自主生活/
The Nethersole School of Nursing, Faculty of Medicine, The Chinese University of Hong Kong: Know-how of Cardiac Rehabilitation
https://www.nur.cuhk.edu.hk/in-the-press/20180906-hkej/

This above information is general information and for reference only, and should not be considered as a medical, diagnosis or professional recommendation, and cannot replace any medical, diagnosis or professional recommendation from doctors. Independent professional advice should be sought from an appropriate qualified medical professional (such as doctors) before making any decision on the topics mentioned above.Treatment may vary according to individual circumstances. If in doubt, you may ask your doctor. If necessary, you may seek other medical advice as soon as possible and do not ignore or delay seeking medical advice / treatment. AlA assumed no liability for any loss or damage arising directly or indirectly from the use, misuse, understanding or application of any of the above information.

This webpage is for view in Hong Kong/Macau only. The above information is for general reference only. It does not constitute as an offer and/or insurance product recommendation. The product information in this webpage does not contain the full terms of the product. For details of the product features, terms and conditions, exclusions and key product risks, you may refer to the relevant product brochure and policy contract of relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. Life insurance policies are long-term contracts of insurance. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid.

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