When choosing between the three different plan levels (100/200/300) of Bowtie Cancer Fighter, we recommend you to consider the following key factors:
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Coverage Amount Needed |
The maximum total compensation limits for the three plans are HK$1 million, HK$2 million, and HK$3 million, respectively. Customers should assess their potential medical expenses and choose the appropriate coverage amount. |
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Affordable Premium Level |
Premium amounts increase with higher coverage limits. "Cancer Fighter 100" has the lowest annual premium, while "Cancer Fighter 300" has the highest. Customers should consider their financial situation and the premium they can afford. |
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Affordable Premium Level |
If there is a higher risk of cancer in the individual or family, such as a relevant medical history, it is advisable to choose a plan with a higher coverage limit. Conversely, those with lower risk may consider "Cancer Fighter 100." |
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Other Medical Coverage |
If customers already have other health insurance plans, they may consider using "Cancer Fighter" as supplementary cancer coverage and choose a lower coverage level. |
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Life Stage Needs |
Younger individuals may opt for a lower coverage plan and gradually increase coverage as their careers stabilize. Older individuals might directly choose a plan with higher coverage. |
Overall, we recommend that you balance your financial situation, risk assessment, and coverage needs when making your choice. You can flexibly choose the appropriate coverage according to your actual circumstances, as the difference lies only in the lifetime limit.