[Online Exclusive] Apply now with promo code "CI40" to enjoy 40% first-year premium discount. Offer ends on June 2, 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
Provide lump-sum compensation to help cover your living expenses during the recovery period
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
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WellProtector Critical Illness Protection |
Other similar critical illness protection in the market |
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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 |
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Early-stage critical illness benefits |
30% of sum insured |
Some products only cover 25% of sum insured |
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HealerProtector Medical Protection |
Other similar medical protection in the market |
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Waiting period between claims |
No waiting period between each claim |
Some products have waiting period of up to 3 years |
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Juvenile and congenital conditions coverage for unborn babies and children |
✓ |
Most products do not cover |
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Cancer genomic profiling test |
✓ |
Most products do not cover |
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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
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1. What are the key differences between WellProtector and HealerProtector? Do I need both protection?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.
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2. Why does DuoProtector Protection Series cover only four major and three early-stage critical illnesses?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.
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3. Why should I choose WellProtector Critical Illness Protection?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.
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4. Do I still need HealerProtector if I am a member of a group medical insurance scheme?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.
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5. Can I apply for WellProtector and HealerProtector separately?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.
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6. How to make a claim?Claim can be filed by submitting electronic documents. Click here for details.
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Remarks
- 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.