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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.

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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?

Illustration of a person on a shield.
The 4 covered major critical illnesses made up about 90% of all critical illnesses claims1
Illustration of a stethoscope.
No waiting period between each claim2
Drawing with number 83 and upward arrow.
Guaranteed renewal3 up to aged 85

WellProtector Critical Illness Protection Product Features

Lump sum cash payout for supporting critical needs

Critical illnesses often incur higher than expected medical costs and miscellaneous expenses. Lump-sum cash payout helps cover your unforeseen expenses.

Protection covering all stages of cancer

Covering different stages of cancer, including carcinoma-in-situ (CIS), early-stage cancer and malignant tumor, among which CIS and early-stage cancer will be paid 30% of the sum insured.

 

HealerProtector Medical Protection Product Features

Reimbursement of your medical expenses

Covers various drugs and surgical treatments, including expensive cancer treatments (such as targeted therapy), and provides cancer genomic profiling test benefit to help identify the more precise medications based on your genetic profile.

Benefits designed for new-born babies and minors under aged 17

Covers 10 juvenile illnesses, including severe level dyslexia (first-in-market4), ADHD, autism, and critical congenital heart defects.

Application available from 22nd week of gestation

The covered juvenile illnesses caused by congenital condition will be covered if the policy is applied for an unborn child5 during pregnancy, and the 90-day policy waiting period will also be waived

Cancer screening tests for immediate family members

If you are unfortunately diagnosed with cancer and are concerned that it is hereditary, we will cover the cost of cancer screening test for two of your immediate family members.

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

Cancel easily by giving us 30 days' advance notice

Meaningful coverage at an affordable premium

Quick and simple straight-through online application

No body check required

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Frequently asked questions

WellProtector aims to provide lump-sum compensation to support your financial needs during recovery, whereas HealerProtector reimburses your medical expenses of the covered critical illnesses. It is recommended that individuals should get both insurance plans for better protection to support the medical costs incurred and living expenses throughout your recovery journey.
You might find insurance plans that cover hundreds of critical illnesses, but most of them are rare diseases, and the policy premium would increase because of that. DuoProtector Protection Series cover the top four sources of critical illness claims, which comprise about 90% of all such claims for the aged 25 or above in Hong Kong1. We believe this coverage offers better value for money to customers without complicating the insurance plan.
WellProtector Critical Illness Protection is a term critical illness insurance that does not carry a savings component. Therefore, for the same coverage amount, the premium can be significantly lower than a critical illness insurance with savings component in the market. The additional benefit is that you have the flexibility to cancel the policy by just giving us 30 days advance notice.
HealerProtector provides medical expense reimbursement of critical illnesses with meaningful sum insured at an affordable premium. Group medical insurance schemes usually provide basic inpatient and outpatient medical benefits, which generally is not sufficient to reimburse expensive critical illness treatments.
Yes, WellProtector and HealerProtector are two separate insurance plans under DuoProtector Critical Illness Protection Series. You can buy both or either one of them according to your needs and budget.
Claim can be filed by submitting electronic documents. Click here for details.
  1. 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.
  2. 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”. 
  3. 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.
  4. 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.
  5. For unborn baby, the insured mother must be aged between 18 to 45.
  6. 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.