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How to choose the right insurance

Which insurance do I need to purchase, critical illness insurance or medical insurance? Would I need critical illness insurance if I were to take a higher benefit level of medical insurance?

Critical illness insurance and medical insurance play different roles in protection needs. In fact, they are complementary and cannot replace each other. Critical illness insurance provides a lump sum compensation for insured patients suffering from serious illnesses like cancer, heart disease, and stroke. Some patients may have to give up their jobs to concentrate on treatment and recovery when diagnosed with serious illness. The lump sum compensation of critical illness insurance thus helps to pay for the patient’s living expenses such as mortgage payment and day-to-day spending.

In general, critical illnesses usually require a number of follow-up treatments. The lump sum compensation may not be enough to pay for large medical expenses in the long run. In this case, you will have to rely on medical insurance to pay for all the hospital and treatment related costs.

Critical illnesses like cancer often take a long time to treat and may come back afterwards. You should look for medical insurance plans that provide extra cancer treatment benefit like Bupa CarePro, Bupa Together and Bupa HealthPlus schemes. They cover the treatment costs including chemotherapy and radiotherapy. Moreover, the annual benefit amount of cancer treatment benefit is replenished every year. This can help reduce the financial burden from long-term cancer treatment.

Useful tip:
A point to note is that the payout of medical insurance is in the form of reimbursement. Critical Illness insurance pays out a lump sum which is payable according to the sum insured. Medical insurance reimburses the insured person for the cost of medical treatments done. Therefore, medical insurance is not meant to make up for loss of income for the insured person even with a higher level of benefit. Critical illness insurance fulfills that role during such critical moments.

Insurance Schemes / Key Features
  • Full cover for hospital expenses
  • Up to HK$120,000 extra in cancer treatment benefit per year
  • Cashless hospital treatment
  • Full cover for hospital expenses at semi-private room level
  • Extra HK$600,000 in cancer treatment benefit per year
  • Covers out-patient follow-up consultations after surgery or cancer treatment
  • Family members can share combined annual benefit pool of up to HK$1 million
  • Extra HK$100,000 in cancer treatment benefit per year
  • Full cover of hospital expenses; cashless hospital treatment
  • Up to HK$1.5 million of cover for 58 critical illnesses such as cancer, heart attack and stroke
  • Covers angioplasty and eight types of early-stage cancers

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