Comparison of Insurance Plans:
| VHIS | Cancer Fighter | Touchwood Protector | Critical Illness | Term Life | |
|---|---|---|---|---|---|
| Product Nature | Not limited to any accident or disease, cover the eligible medical expenses required for hospitalization or surgery due to medical needs. | Cover the eligible medical expenses for all levels of malignant cancer and carcinoma in situ¹ |
Cover the actual expenses for medically necessary treatments due to accidental injuries within 12 months after the accident. | Receive compensation to help cover living expenses or medical costs once you are diagnosed with a specified critical illness (including cancer, stroke, and heart disease) | Death Benefit |
| Modes of Settlement | Reimbursement | Reimbursement | Reimbursement | One lump sum payment | One lump sum payment |
| Maximum Benefit Limits / Sum insured | - Standard Plan : HK$420K / Year；No lifetime limits - Flexi Plan: Up to HK$1M / Year； No lifetime limits - Bowtie Pink: Up to $20M / Year; $80M /Lifetime |
- Cancer Fighter 100: HK$1M /Lifetime - Cancer Fighter 200: HK$2M /Lifetime - Cancer Fighter 300: HK$3M /Lifetime |
HK$420K / year | HK$4M (15 days - 45 year old) HK$2M (46 - 60 year old) HK$1M (61 - 65 year old) |
HK$20M (Existing customer²） HK$8M (18 - 45 year old) HK$4M (46 - 55 year old) HK$3.5M(56 - 60 year old) HK$1M (61 - 65 year old) |
| Maximum Renewable Age | Guaranteed renewal to age 100 or for life* | Guaranteed lifetime renewal | Renewal to age 60 | Guaranteed renewal to age 85 | Guaranteed renewal to age 100 |
| Plan Option | - Standard Plan - Flexi Plan - Bowtie Pink |
- Cancer Fighter 100 - Cancer Fighter 200 - Cancer Fighter 300 |
- Touchwood Protector | - Term CI - Term CI Multiple Cover - Term CI Early Stage and Multiple Cover |
- Term Life |
¹ Bowtie Cancer Fighter covers all grades of malignant cancer and carcinoma in situ, excluding precancerous lesions, CIN I or CIN II cervical anomalies, or all cancers coexisting with HIV infection.cinoma in situ, excluding precancerous lesions, CIN I or CIN II cervical anomalies, or all cancers coexisting with HIV infection.
² Existing customers can increase their coverage limit up to a maximum of HK$20,000,000 after undergoing underwriting and a medical examination. Click here to learn more.
*This Applies only to the Flexible Plan and Bowtie Pink.
The above information is for reference only. For detailed terms and conditions above is for reference only. For detailed terms and conditions, key risks and policy exclusions of the product, please refer to the policy.