Critical illnesses tend to be attributed to four common modifiable risk factors – physical inactivity, unhealthy diet, tobacco and harmful use of alcohol. Critical illnesses like cardiovascular diseases and other non-communicable diseases like cancers and diabetes are responsible for 40 million annual deaths, including 15 million people aged between 30 and 70 globally1.
In Hong Kong, 59.3% of all registered deaths in 2017 are caused by six types of non-communicable diseases, namely, cancers, diseases of heart, cerebrovascular diseases, chronic lower respiratory diseases, injuries and poisoning, and diabetes mellitus2.
It refers to insurance covering events such as diagnosis of dread diseases including cancer, kidney failure, heart attack, stroke and paralysis, amongst others.
Lump Sum Payout per person upon diagnosis - 100,000 (Plan 1), 200,000 (Plan 2), 300,000 (Plan 3)
3 Coverage Options ie Cancer only, 3 Critical Illnesses and 36 Critical Illnesses
4 plan options depending on age groups
A caregiver to care for family members
Second Medical Opinion
Aged from 20 – 65 years. This age range caters to today’s workplace as people are living and working longer.
Did you know in Hong Kong?
With rising medical costs, ensuring sufficient coverage for critical illnesses is challenging and gaps are likely to emerge. Employers stepping in to fill this gap will be seen as employers of choice with a stellar commitment in caring for their employees. By providing group insurance coverage for critical illnesses, employers compensation and benefits package becomes market-leading as it goes beyond the traditional coverage for death and disability.
5Aon Asia Healthcare Trends 2017/18, Page 30.