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Multiple Illnesses Benefit    Multiple Critical Illness Claim Payments

PrimeHealth Pro / PrimeHealth Jr. Care cover up to 148 critical illnesses and offer 4 additional claim payments for Cancer, Heart Attack and Stroke which are with higher recurrence risks.   The plans also provide extra cash benefits for critical illnesses to safeguard the health of you and your loved ones. PrimeHealth Jr. Care even lets you prepare for the future by extending the benefits to your soon-to-be-born baby. The future really does lie within your reach.

Coverage of 148 Critical Illnesses
Coverage of 148 Critical Illnesses
Multiple Critical Illness Claim Payments
Multiple Critical Illness Claim Payments
Dual Reassurances
Dual Reassurances
Extended Protections
Extended Protections
Optional Supplementary Benefits
Optional Supplementary Benefits
  • Coverage includes: Severe Psychiatric Illness, ICU protection, etc.
  • Common eye diseases: Glaucoma, Macular Degeneration / Early Onset of Cataract
  • Severe Child Diseases: Attention-Deficit Hyperactivity Disorder, Autism, Severe Asthma, etc.
  • 4 additional claim payments for Cancer, Heart Attack or Stroke
  • Cash Benefit for Continuous Cancer + Cash Benefit for Heart Attack and Stroke
  • Cash Value
  • Waiver of Premiums
  • Sperm / Oocyte Cryopreservation Benefit [First in HK & Macau1]
  • Critical Illnesses due to congenital conditions
  • Care2Share Extra Benefit
  • Pregnancy benefit2

1. Based on the similar types of plan in the Hong Kong and Macau market, as of the publishing date of this page in November 2021.
2. Applicable to PrimeHealth Jr. Care only.

  • Optional Extra Cancer Cash Benefit
  • Optional supplementary “Payor’s Benefit”
Issue Age (At Last Birthday)
Issue Age (At Last Birthday)

PrimeHealth Pro:

10 years Premium Payment Term:
Age 0-70

15 years Premium Payment Term:
Age 0-65

20 years Premium Payment Term:
Age 0-60

25 years Premium Payment Term:
Age 0-55

PrimeHealth Jr. Care:

Gestation period from 22nd week and prior to the birth of the child (Mother must be aged 18 to 45)

Benefit Term
Benefit Term

PrimeHealth Pro: Up to age 100

PrimeHealth Jr. Care: Up to age 99

Premium Payment Term
Premium Payment Term
10 / 15 / 20 / 25 Years

What is a Critical Illness Insurance Plan?

A critical illness insurance plan serves as a health safety net. If the insured is diagnosed with a critical illness covered by the plan, a lump-sum benefit will be paid, so that the insured can receive timely and appropriate medical treatment. It can also cover loss of income.

Critical illness insurance provides protections covering major critical illnesses, early-stage diseases, carcinoma in-situ/early stage cancers, and severe child diseases. More comprehensive plans also allow multiple claims, covering diseases with a higher rate of recurrence, such as strokes, heart disease and cancer. In addition, extended benefits will be provided, such as congenital illness protection, international medical network, etc. There are also plans that will pay out the accumulated cash value upon policy surrender after a designated policy anniversary.

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Frequently Asked Questions
A critical illness insurance plan provides a lump-sum benefit when the Insured is diagnosed with a critical illness covered by the plan. The benefit can be used for any purpose, such as medical expenses, daily necessities, or compensating for loss of income. Some critical illness insurance plans also include a savings element.

Critical illness insurance primarily provides protections covering Major Critical Illnesses, Early Stage Diseases and Carcinoma-in-situ / Early Stage Cancers, to Serve Child Diseases. A more comprehensive critical illness plan also provides multiple claims and other extended benefits, covering common diseases with a higher risk of recurrence, such as Stroke, Heart Disease, and Cancer. Additionally, in the unfortunate event that the Insured is diagnosed with a covered critical illness during the premium payment period, premium payments may also be waived so that the Insured person will be relieved from the obligation of paying future premiums but still enjoys Lifelong Protection.

Purchasing a critical illness insurance plan is a personal choice as everyone's needs may differ. Critical illness insurance offers crucial financial protection to mitigate the high costs associated with medical treatment for critical illnesses. In view of the lengthy treatment and recovery periods, a critical illness insurance can provide the necessary funds to alleviate the financial burden. By covering medical and other expenses, critical illness insurance offers individuals’ total peace of mind during their recovery.

If the Insured is diagnosed with Cancer/ Heart Attack/ Stroke, on top of the lump-sum benefit payment of up to 500% of the Basic Sum Insured, "PrimeHealth Pro / PrimeHealth Jr. Care" will provide an additional monthly cash benefit of 1% of the Basic Sum Insured. This cash benefit will be paid for up to 180 months for Cancer, and up to 60 months for Heart Attack or Stroke, with no waiting period.

"PrimeHealth Jr. Care" is specifically designed for soon-to-be-born children. Applications for the plan can be made starting from the 22nd week of gestation. The child’s mother is also covered during pregnancy. The child will continue to be covered as from the moment of birth.

The plan covers 18 Severe Child Diseases, including but not limited to Severe Asthma, Autism, Insulin Dependent Diabetes Mellitus, Juvenile Onset and Attention-Deficit Hyperactivity Disorders (ADHD), among others, with benefit payable being 30% of Basic Sum Insured. The coverage remains in force up to age 25 of the Insured.

No, if you are pregnant with twins and wish to apply for "PrimeHealth Jr. Care," you must apply for insurance for both soon-to-be-born children simultaneously and the Basic Sum Insured must be identical for each.

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