Covering 3 leading Critical Illnesses：
Cancer, Heart Attack and Stroke
Complimentary protection to each of
your children at age under 18 with up to
Cover all stages and organs^
True all-round cancer protection
Monthly premiumas low as HK$301
Specific for Carcinoma-in-situ (CIS) cancer coverage
Highest benefit amount in Hong Kong# regardless of the organ affected
Monthly premiumas low as HK$152
Cancer insurance plan is a type of critical illness insurance, under which the insured will receive a lump sum payment or reimbursement on the actual medical expenses when any covered cancer is unfortunately diagnosed. Blue’s cancer insurance plans provide a lump sum payment, which has no restriction on how to use the payment, and the insured may use it for the purposes other than hospitalization and medical treatment arising from the critical illness.
The waiting period of a critical illness insurance plan refers to the period after the policy takes effect, during which the insurer will not provide the benefits even if the insured is diagnosed with a covered illness. The waiting period for a critical illness benefits ranges from 90 days to 180 days in general, while that of Blue is 60 days for all of its critical illness plans.
In general, a critical illness plan will automatically terminate after the insured is diagnosed and receives the lump sum payment. If a patient wants to re-enroll in a critical illness plan after recovery, some insurers will reject the application by taking into account the relevant medical record, while some offer special protection plans targeting high-risk individuals for recurrence of critical illnesses.
Critical illness insurance is generally divided into lifelong plans with savings and pure critical illness plans without savings. For those with savings, the premium is higher since part of it will be reserved for savings purpose, and the coverage is lifelong. The premium of pure critical illness plans will be solely used for the coverage and is therefore lower, while protection period varies among different available plans.
In general, it is recommended to have a critical illness coverage which is 2 to 3 times of the annual salary of the insured, because the treatment and recovery period for critical illnesses such as heart attack, stroke and cancer takes 2 to 3 years. Critical illness benefits should be enough to cover the daily expenses during the period.
Click for important notes and disclaimers
^ For the full terms and benefits of the policy, key product risks, full lists of exclusions, please refer to product summary and policy provision.
# The statement we have made about this feature being highest Benefit Amount is based on comparing it with other available publicity of critical illness protection plans issued by Hong Kong’s major life insurance companies for individual customers as at 9 October, 2020.
1.Premium shown is for a Hong Kong non-smoking male aged 18, applying for the entry plan of “WeCare Cancer All-in-One Protector” with 1 year policy benefit term, and the monthly premium is HK$29.5. The daily cost of HK$1 is achieved by spreading the monthly premium (HK$29.5) for the aforementioned conditions over 30 days.
2.Premium shown is for a Hong Kong non-smoking male aged 18, applying for the entry plan of “WeCare Carcinoma-in-situ (CIS) Protector” with 1 year policy benefit term, and the monthly premium is HK$12.8 The daily cost of HK$0.5 is achieved by spreading the monthly premium (HK$12.8) for the aforementioned conditions over 30 days.