DuoProtector Critical Illness Protection Series
Covering both your medical expenses and living expenses, the DuoProtector Critical Illness Protection Series offers you end-to-end coverage to relieve your financial burden during the medication and rehabilitation periods.
[Online Exclusive] Apply now with promo code "CI30" to enjoy 30% first-year premium discount. Offer ends on December 1, 2024. Terms and conditions apply.
Single or duo protection at your choice
Offering focused protection on four major and three early-stage critical illnesses, including cancer, carcinoma-in-situ, early-stage cancer, heart attack, stroke, kidney failure, and coronary artery disease requiring angioplasty or other invasive treatments.
WellProtector Critical Illness Protection
WellProtector Critical Illness Protection
Provide lump-sum compensation to help cover your living expenses during the recovery period
HealerProtector Medical Protection
HealerProtector Medical Protection
Provide medical expense reimbursement with no waiting period between each claim
Why choose DuoProtector?
WellProtector Critical Illness Protection Product Features
HealerProtector Medical Protection Product Features
Comparison of critical illness protection6
|
WellProtector Critical Illness Protection |
Other similar critical illness protection in the market |
Critical Illness covered |
4 major critical illnesses and 3 early-stage critical illnesses | Some products cover cancer only, or exclude early-stage critical illnesses and cacinoma-in-situ |
Early-stage critical illness benefits |
30% of sum insured |
Some products only cover 25% of sum insured |
|
HealerProtector Medical Protection |
Other similar medical protection in the market |
Waiting period between claims |
No waiting period between each claim |
Some products have waiting period of up to 3 years |
Juvenile and congenital conditions coverage for unborn babies and children |
✓ |
Most products do not cover |
Cancer genomic profiling test |
✓ |
Most products do not cover |
Cancer screening test for immediate family members |
✓ |
Most products do not cover |
Other reasons to choose the DuoProtector Critical Illness Protection Series
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Frequently asked questions
- According to the “Report on Hong Kong Assured Lives Critical illness, Experience Study 2005–2009” published by Actuarial Society of Hong Kong, the top four sources of critical illness claims, namely cancer, heart disease, stroke, and kidney failure, cover about 90% of all critical illnesses claims for the aged 25 or above in Hong Kong.
- There is no waiting period between benefits payable for the latest coveredcritical illness and any preceding covered critical illnesses. However, forHealerProtector, i) if an early-stage critical illness has been first diagnosed and a major critical illness directly relating to such early-stage critical illness is subsequently diagnosed within 45 days, or ii) if you are diagnosed with the same critical illness for more than one time, then they will be counted as one critical illness and all relating medical expenses covered in the policy will be under one “per covered critical illness limit”.
- Subject to the availability of the insurance plan at the time of renewal, and we reserve the right to alter the terms and conditions, including but not limited to the premiums, benefits, benefits amount or applying loading or exclusions to this policy at the time of renewal of any period of insurance of this policy.
- As of February 1, 2022, HealerProtector offers the first and only Severe Level Dyslexia benefit in a critical illness medical product in the Hong Kong market. The diagnosis of Severe Level Dyslexia must be based on psychological assessment test results done by registered educational psychologist. The diagnosis must be made after the insured child's sixth birthday, and the condition must have continued without interruption for a period of at least six months after diagnosis.
- For unborn baby, the insured mother must be aged between 18 to 45.
- Based on the comparison between “Zurich DuoProtector Critical Illness Protection Series” and similar term critical illness and critical illness medical insurance plans in the market as at February 1, 2022.