Health Insurance - Critical Illness Insurance

Lessen the Impact of Critical Illness

Concentrate on getting well without financial worries

Did you know?

Prevailing Risks Of Criltical Illnesses

Cancer, pneumonia and heart disease are the top three serious illnesses in Hong Kong¹, cancer being the most deadly. One in every four men and one in every five women will develop cancer before the age of 75². Over the past decade, about 40% of cancer cases occur by the age of 60³.

New Yet Costly Treatments

Advances in medicine nowadays mean that most diseases can be cured as long as patients receive prompt treatment following diagnosis. According to recent data, the five-year survival rate for cancer patients has reached 69%⁴. However, the cost of the latest treatment and medicine means not everyone can afford it. For instance, the 3-year treatment cost for lung cancer is about HK$1 million⁵. Combined with the expense of recovery, it often takes a heavy toll on the patient’s finances. Luckily, some current medical insurance plans in Hong Kong offer critical illness protection to lessen their burdens.

YOUNGER SUFFERERS OF CRITICAL ILLNESSES

In 2017, the top three most deadly illnesses in Hong Kong were cancer, pneumonia and heart disease¹.
Over the last decade, close to 40% of cancer patients were aged 60 and below³.
One in four men and one in five women in Hong Kong are at risk of developing cancer before the age of 75².
The number of cancer cases keeps rising.

NUMBERS OF NEW CANCER CASES BETWEEN 2007 AND 2016⁶

THREE MOST COMMON CANCERS IN HONG KONG

3 common cancers in Hong Kong for male 1. Lung Cancer 2. Colorectal Cancer 3. Prostate Cancer

It is estimated that the 3-year treatment cost for colorectal cancer is about HK$1.27 million⁵

3 common cancers in Hong Kong for female 1. Breast Cancer 2. Colorectal Cancer 3. Lung Cancer

It is estimated that the 3-year treatment cost for breast cancer is about HK$1.17 million⁵

IF CRITICAL ILLNESS COMES NEAR

Besides affecting the lives of you and your beloved, it also brings difficulties to the family finances.

During treatment, you may need to cope with expenses below:

Recovery expenses

Daily life expenses

Children’s education

Treatment costs

Mortgage

Loan

TIPS & ADVICE

Healthy habits

Taking regular exercise, a balanced diet and sufficient sleep all add up to good health

Check your body

Have regular health checks to identify potential problems and seek medical advice promptly

Prepare for the worst

A comprehensive protection plan offers you strong financial support so that you can have proper treatment as soon as possible following diagnosis of a critical illness

Recovery and follow up

The fight against critical illnesses is often a long one, so it’s better to include extra recovery services in the protection plan

AIA One Absolute – Full Protection

Severity-Based Health Protection

AIA One Absolute - Full Protection, a first-in-market future-proof protection plan that determines your claims based on the severity of your medical journey, covering every disease and injury - even new diseases that haven't been discovered yet.

AIA One Absolute – Cancer & Serious Infectious Disease Protection

Severity-Based Health Protection

AIA has introduced a first-in-market cancer protection that determines your claims based on the severity of your medical journey for cancer and carcinoma-in-situ via a scoring table, while adding support for existing and unknown serious infectious diseases. Enjoy a permanent 20% premium discount above a specified Sum Assured, and an instant 10% premium discount for the first year if you join AIA Vitality.

Other Severity-Based Health Protection Products

Medical Protection

Health Journey Guardian

Medical Protection

Most medical plans only focus on relieving your financial burdens upon the diagnosis or treatment of your medical need. Health Journey Guardian covers you all the way from prevention to recovery, including outpatient benefits, cancer benefits, rehabilitation and hospice care benefits and wellness assessments for different stages of your life to ensure your overall well-being.

CANCER GUARDIAN 2

Medical Protection

Rest easy with treatment and rehabilitation support through Cancer Guardian 2

Other Medical Protection Products

Critical Illness Protection

Smart Elite Ultra

Critical Illness Protection · Life Protection · Savings

Provides you with life insurance and multiple illnesses protection, giving you comprehensive cover for 115 illnesses as well as the opportunity to enhance your savings.

Simple Care Essence

Critical Illness Protection · Life Protection

Offers essential cover for as many as 115 illnesses, along with life protection and the option to convert to a whole life plan.

ON YOUR SIDE PLAN / ON YOUR SIDE PLAN – FIRST GIFT

Critical Illness Protection · Life Protection · Savings

Covers 115 diseases and Intensive Care Unit (ICU) stays, offers life insurance, critical illness protection, support for cancer, heart attack, stroke and Alzheimer’s disease / Irreversible organic degenerative brain disorders.

Cancer Care Essence

Critical Illness Protection · Life Protection

Covers specific cancer protection for 4 common cancers, including lung, colon and rectum, breast and prostate cancer; and provides life protection, giving you and your family better protection for the future.

other critical illness protection products

The above information is for general reference only. It shall not constitute nor should it be taken as a substitute for professional advice from a financial planner on purchasing insurance policies. Your financial planner will make recommendations based on the result of your individual needs analysis (including affordability and suitability, etc.). For detailed analysis and advice, please contact us or your financial planner.

Sources

¹Department of Health, Government of the HKSAR, Health facts of Hong Kong: 2018 Edition.
²Statistics for the year 2016, the Hong Kong Cancer Registry, Hospital Authority website.
³2007-2016 statistics of average prevalence rate of cancers of different parts of the body, the Hong Kong Cancer Registry, Hospital Authority website.
⁴American Cancer Society, Cancer Facts and Figures 2018, 2007-2013 statistics, 5-year relative survival rates for cancer at diagnosis.
⁵Hong Kong Sanatorium and Hospital fee schedules, Union Hospital fee schedules, Hong Kong Cancer Fund and media reports. The cost of treatment is calculated based on the normal prevalence. Cancer is assumed to be treated by surgery, chemotherapy and targeted therapies.
⁶2007 – 2016 statistics, the Hong Kong Cancer Registry, Hospital Authority website.

The information was extracted from AIA’s Research of Critical Illness Trends and Medical Expenses by GfK Hong Kong, an independent market research company (data collected in March 2019). The above information above was gathered from external sources on a general basis and is for reference only. Please refer to the related data and information collection statement for details.

Data and Information Collection Statement

This webpage was designed and produced by AIA by searching internal and external data and information for information provision and reference purposes only. The content should not be considered to be the invitation, advice or latest information of any mentioned insurance products. When preparing and/or updating this webpage, AIA endeavours to ensure that the content is accurate, complete and updated but will not bear any responsibilities nor make any warranty or guarantee for the accuracy, completeness and timeliness of the information or for any claims and/or losses caused thereby. Any views or information mentioned and set out in this webpage are based on general situations. Readers should not regard them as advice. AIA reserves the right to change and modify the views and information set out in this webpage at any time without issuing prior notice. Before making any decisions about the theme of this webpage, you are recommended to seek independent advice from suitable professionals (such as doctors, nutritionists, financial advisers or lawyers, etc.). It is clearly stated that AIA will not bear any responsibilities for others’ usage or interpretation of the information listed in this webpage.

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