MyHomeGuard is more than just household insurance. It provides cover for ATM assault, injuries resulting from theft, and personal accidents that occur outside your home.
Life has so much to offer. To ensure that you live yours to the fullest, our life protection insurance provides comprehensive solutions to grow your wealth and to protect your health according to your changing needs and goals.
Chubb leverages superior underwriting expertise and world renowned claims, account services, and financial strength to offer solutions for small and medium businesses.
Today’s multinational organizations face complex and interconnected risks. We offer insurance solutions that are tailored to global needs as well as local requirements, helping them address their risk management challenges.
New Trends for the New Generation! Be a Chubb Slasher!
Our partners’ contributions to our success are undeniable. As one of the world’s largest and strongest insurers, we offer a range of products and services capabilities through our distribution channels to ensure yours, too.
Chubb has a proven track record of maximising ancillary revenue for more than 120 business partners across Asia Pacific.
AEON & Chubb Life join hands to secure your future.
Protect your travel adventures, home, and everyday moments with Chubb’s General Insurance. Enjoy flexible coverage from a global insurance leader and buy online in minutes—peace of mind is just a click away.
Buy life insurance online for all your needs—critical illness, accidents, and term life. Enjoy comprehensive protection, health and wellness benefits, and flexible coverage options with easy online purchase.
The Price of Boba Tea Indulgence
We have all been there: During a long day at work, someone pops the evil question, “Boba tea, anyone?” ending up with everyone going around gathering drink orders. Indeed, since its introduction in Hong Kong, boba tea has become a little sweet escape for many people.
Boba tea: Hong Kongers’ addiction
According to Deliveroo’s data, the order volume for boba tea they received between September 2021 and March 2022 in Hong Kong is enough to fill up 2,708 entire bathtubs. After all, it is not easy to resist the temptation. It’s simply addictive.
A cup of boba tea a day leads the doctor your way: Risks of colorectal cancers and gynaecologic cancers
Taiwanese Gastroenterology and Hepatology experts point out that the sweet taste of boba tea comes mainly from fructose and corn syrup. Studies have shown that these two types of sugar may promote cancerous cell growth to as much as 3 times the ordinary amount. Another Swedish study also shows that having desserts 2 to 3 times a week may raise the risk of endometrial cancer by 33%. Patients with polycystic ovary syndrome in particular are at a higher risk.
As harmful as boba tea can potentially be, it’s not easy to stay away from it. Simply by reducing the frequency of getting one, the money saved is enough for the monthly premium of a critical illness insurance plan.
Over HK$1 million of critical illness coverage, at the cost of a few cups of boba tea
Indeed, for as low as a two-digit figure each month, you can be insured for critical illnesses (1). On average, you’re recommended to get a coverage amount enough for about 2 to 3 years of living expenses, or 2 to 3 times your annual income to cover the financial needs during treatment and recovery.
Expect the unexpected. Always be prepared
Your health should not be a gamble. Do not ignore all the worst-case scenarios just because the possibility is seemingly low. With critical illness insurance protection, you would be able to receive a one-off compensation when the unfortunate possibility comes true. Commonly insured illnesses include cancer, stroke, heart disease, kidney failure, major organ transplant, multiple sclerosis, etc. The compensation will cover the loss of income sources due to the illness and can be used for purposes such as medical and other expenses.
Critical illness insurance vs health insurance
Merely having a medical insurance cover may not be good enough. While general health insurance can help you pay for any necessary treatment and hospital expenses, a critical illness insurance plan offers a compensation covering expenses such as diagnostic benefit, hospitalisation and surgery, outpatient, reconstructive surgery benefit and monitoring benefit on reimbursement basis. For VCare Cancer Protector, the Covered Cancer Limit(2) is HK$1.5 million while the Lifetime Limit(3) is HK$4.5 million.
With these two different types of financial support, many people would go for both critical illness and health insurances to play safe.
A cup of boba tea for your pleasure; an insurance plan for your future
Worried that your medical history may affect your eligibility for the scheme? Don’t be! Regardless of your health conditions and claims history, VCare Cancer Protector will guarantee a successful plan renewal until you’re 100 years of age(4). Enjoy life to its fullest knowing that we’ve got your back!
If boba tea is the balm for your soul, a critical illness insurance plan is your safety net. Safeguard your future today!
1: An 18-year-old male (non-smoker) who’s insured under VCare Cancer Protector will have a Lifetime Limit of HK$1.5 million with a monthly premium of HK$47.96 in the first year. The premiums are not guaranteed and only applicable to insured of standard risk class. Loadings may be applied subject to the underwriting decision. Renewal premium will be based on the prevailing premium rates at the time of renewal. The Company reserves the right to adjust the premiums from time to time.
2: Covered Cancer Limit means the aggregate maximum amount of all benefits (applicable to diagnostic benefit, hospitalisation and surgery, outpatient, reconstructive surgery and monitoring benefit) paid and payable for one Covered Cancer under all in-force and terminated VCare Cancer Protector covering the same insured.
3: Lifetime Limit means the aggregate maximum amount of all benefits (applicable to diagnostic benefit, hospitalisation and surgery, outpatient, reconstructive surgery benefit and monitoring benefit) paid and payable under all in-force and terminated VCare Cancer Protector covering the same insured.
4: Premiums will be adjusted according to the insured’s age at the time of plan renewal. Please refer to the Product Brochure for more details, excluded items and key product risks.
No part of this article may be reproduced in any written, electronic, recording, or printed form without written permission of Chubb.
Disclaimer - All contents of this article are intended for general information/guidance purposes only and not intended to be an offer or solicitation of insurance products or personal advice or a recommendation to any individual or business of any product or service. This article should not be relied on for legal advice or policy coverage and cannot be viewed as a substitute to obtaining proper legal or other professional advice, or for reading the policy documents. You should read the policy documents to determine whether any of the insurance product(s) discussed are right for you or your business, noting different limits, exclusions, terms and conditions apply in each country or territory, and not all cover is available in all countries or territories.