Swiss Care Critical Illness Insurance Plan

Health is the most valuable asset of our lives, however, the chance of suffering from critical illness is not uncommon nowadays. Swiss Care Critical Illness Insurance Plan ("Swiss Care") is designed to offer a budget-friendly protection solution with a wide range of critical illnesses coverage.

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Why Swiss Care?

Early stage critical illness benefit^2,3

Cover 11 early stage critical illnesses

ICU benefit^2,4

Cover known/unknown diseases or injuries

Major critical illness benefit^{2, 5}

Cover 71 major critical illnesses

Death benefit

120% of sum insured

(minus any previous claims and indebtedness)

Important note: The product information in this website is for your reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy provisions which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail.
Zurich Life Insurance (Hong Kong) Limited reserves the right of final approval and decision on all matters.

Waiver of premiums

Your future premium will be waived if the total early stage critical illness and ICU benefit and major critical illness benefit paid and payable has reached 100% of the sum insured.

Nomination of contingent policyholder- Assistance to navigate the claims process smoothly if the policyholder suffers from specified disability (First in market¹)

When you suffer from specified disability, the contingent policyholder you nominated can become the policyholder and exercise all rights under your policy including making a claim.

Affordable premium

Affordable premium with three options of premium renewable term to suit your financial planning need.

Remarks:

The statemet we have made about this feature being "First in market" is based on comparing it with other publicly available critical illness plans issued by Hong Kong's major life insurance companies for individual customers as at Oct 29, 2021.
The sum of benefit of major critical benefit, early stage critical illness benefit and ICU benefit cannot exceed 100% of the sum insured throughout the policy term.
Early stage critical illness benefit will be payable one time only for each early stage critical illness throughout the policy term.
ICU Benefit will be payable one time only throughout the policy term.
We will pay the major critical illness benefit after minus any early stage critical illness benefit, ICU benefit paid and/or payable and indebtedness (if any).

How does the plan work?

Providing financial support for you and your beloved ones as critical illness strikes.

Peter is a young professional, married with no children. He would like to have critical illness protection with affordable premium to protect himself and his wife, so Peter purchases Swiss Care Critical Illness Insurance Plan and nominates his wife Kitty as the contingent policyholder.

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Make sure your loved one is well-protected, always.

Ben is married and with a child aged 10 named David. Ben purchases the Swiss Care Critical Illness Insurance Plan for David as the life insured, Ben also nominates his wife Amy as the contingent policyholder.

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Frequently asked questions

What is critical illness insurance?
What is the difference between critical illness insurance and medical insurance?
What sum insured fits my need?
Is there a cooling-off period for Swiss Care Critical Illness Insurance Plan?
Is there someone who can help with my claims?
Who can I approach if I am interested in understanding Swiss Care Critical Illness Insurance Plan further?

What is critical illness insurance?

Critical illness insurance provides a lump sum payment if the life insured is diagnosed with a covered critical illness during the policy term. This payment can be used to pay for the medical treatments and provide financial support to you and your family on your daily living during recovery.
What is the difference between critical illness insurance and medical insurance?

Critical illness insurance will only provide one-time compensation or conditional compensation several times when the life insured suffers from a covered critical illness. Medical insurance mainly provides compensation for treatment expenses in the form of reimbursement during the life insured stay in the hospital.
What sum insured fits my need?

You are free to choose the sum insured according to your protection needs and affordability. You may choose an amount that is able to cover your medical expenses and loss of income during recovery.
Is there a cooling-off period for Swiss Care Critical Illness Insurance Plan?

There is a cooling-off period of 21 days for this plan. The policyholder will receive refund of any premiums and premium levy paid if he cancel the policy within this period, provided that no claim has been made under the policy.
Is there someone who can help with my claims?

Our claimes handler would help you with your claims. You can call our claims hotline +852 2535 3502 for claims related questions or fill in claims enquiry e-form here.
Who can I approach if I am interested in understanding Swiss Care Critical Illness Insurance Plan further?

For more information about Swiss Care Critical Illness Insurance Plan, please contact our Customer Care Hotline at +852 2968 2383.