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Should I purchase ‘Critical Illness insurance’, ‘Multiple Cover Critical Illness Insurance’, or ‘Early Stage and Multiple Cover Critical Illness Insurance’?

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If you have sufficient budget, we recommend ‘Early Stage and Multiple Cover Critical Illness Insurance’ for the most comprehensive coverage.

 

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We've observed a recent upward trend in the incidence of early-stage critical illnesses and the recurrence rates of the three major critical illnesses. That's why Bowtie introduced ‘Early Stage and Multiple Cover Critical Illness Insurance’ to provide customers with adequate coverage, whether a condition is diagnosed before it develops into a major critical illness or if a critical illness recurs. For just a 12% increase in monthly premium*, you can upgrade from ‘Multiple Cover Critical Illness Insurance’ to ‘Early Stage and Multiple Cover Critical Illness Insurance’, making it a cost-effective choice.

If you have a limited budget, you can choose ‘Multiple Cover Critical Illness Insurance’ to ensure that you and your family can maintain your quality of life if one of the three major critical illnesses recurs.

 

If you have any further questions, please contact our Product Specialists through WhatsApp! 

 

*For example, for a 35-year-old non-smoking male with a sum insured of HK$1 million, the premium for "Multiple Cover Critical Illness insurance" is HK$187, while the premium for “Early Stage and Multiple Cover Critical Illness insurance” with the same sum insured is only HK$211, an increase of 12%.