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CTF Life
HealthCare 168 Plus Critical Illness Protector
168 covered illnesses, up to 500% sum insured for cancer, stroke and heart disease, full coverage of carcinoma in situ, sum insured reinstatement and monthly cash income benefit.
香港多次賠償危疾險（儲蓄型），主打癌症 / 中風 / 心臟病多重賠償、原位癌全器官覆蓋、器官功能損害預支、保額還原及關愛援助月領。與 VHIS 醫療險不同，確診即一次性賠償，補收入損失 + 自費醫療。
- 多次賠償
- 168種疾病
- 原位癌全覆蓋
- 保額還原
- 月領現金流
Latest Insurance Promotions
Find out the limited-time premium rebate & discount of this plan
Information shown is for reference. Actual premiums and promotions depend on individual status.
Key Figures
500 萬年度保額 + 終身無上限 + 保額重置，以實惠保費享有超強癌症醫療保障。
Covered illnesses
168 types
Cumulative total
Coverage up to 500%
Age at entry
15th – 65 years old
Guarantee period
Up to age 100
全面保障項目
- 86 種嚴重危疾：確診即賠 100% 保額
- 主要器官功能損害：預支 20% 保額（毋須確診特定疾病）
- 三大頑疾多次賠：癌症 4 次、中風 2 次、心臟病 2 次
- 關愛援助：每月 1% × 18 個月，最多 4 次，共 72%
- 保費豁免：確診 2/3 級危疾後免繳後續保費
- 良性病變 / 先天性疾病：部分納入保障
- 82 種早期 / 輕度危疾：按比例一筆過賠償
- 原位癌全器官：20% 保額，無限次（每次不同器官）
- 保額還原：早期/輕度賠後可還原 100% 保額一次
- 呼吸系統疾病：最高 160% 保額
- 身故賠償：已繳保費 / 現金價值 / 保額（取高）
- 繳費期靈活：10 / 15 / 20 / 25 年可選
Highlights
Six Key Product Highlights
Multi-pay cover, full CIS coverage, sum insured reinstatement and monthly cash payouts tailor critical illness protection to your practical needs.
Covers 168 illnesses with enhanced protection for respiratory conditions.
Covers 86 severe illnesses and 82 early-stage illnesses. Certain benign lesions and congenital diseases are also included. It provides up to 160% sum insured for respiratory diseases, together with the market-first advance benefit for “Major Organ Impairment”.
500% multi-pay cover for three major critical illnesses plus premium waiver.
版100% sum insured per claim for cancer (max 4), stroke (max 2) & severe heart disease (max 2), up to 500% sum insured in total. All remaining premiums are waived once a severe critical illness is diagnosed.
Unlimited coverage of carcinoma in situ across all organs.
Carcinoma in situ affecting any organ is eligible for a 20% sum insured payout with unlimited number of claims, provided each claim relates to a different organ. Such claim will not affect the subsequent 100% sum insured benefit for severe cancer.
Unique Sum Insured Reinstatement Mechanism
Even with prior claims for early or mild critical illnesses, the policy can reinstate 100% original sum insured once if requirements are met. Keep full protection for future severe critical illness diagnosis.
Monthly Cash Flow Benefit for Caring Support
Upon diagnosis of severe cancer, stroke or heart disease, the insured may receive a monthly cash allowance equivalent to 1% of the sum insured for up to 18 months. This benefit is payable for a maximum of 4 times, providing an additional total benefit of up to 72% sum insured to ease long-term rehabilitation expenses.
avings and dividend features together with flexible premium payment terms.
Choose from 10, 15, 20 & 25-year premium payment terms. Policy has cash value plus non-guaranteed dividends. At maturity or death, payout is the highest of total premiums paid, cash value or sum insured.
Premium Reference
保費參考
以下為美元 100 萬保額、25 年繳之參考保費，實際以核保結果為準。
30 歲男性（100 萬美元保額，25 年繳）
約 2,800 美元 / 年
30 歲女性（100 萬美元保額，25 年繳）
約 3,100 美元 / 年
40 歲男性（100 萬美元保額，25 年繳）
約 3,800 美元 / 年
40 歲女性（100 萬美元保額，25 年繳）
約 4,200 美元 / 年
兒童（0 歲，100 萬美元保額，25 年繳）
約 1,500 美元 / 年
* 保費視乎年齡、性別、健康狀況、吸煙習慣及核保結果而定；分紅非保證。
Product Comparison
守護 168（加強版） VS VHIS 醫療險
同屬頂級 VHIS 認可醫療險，根據病房偏好與預算選擇最適合的方案。
| 比較項目 | 守護 168（加強版） | VHIS 醫療險（宏利/安盛/信諾） |
|---|---|---|
| 類型 | 重疾險（一次性賠償） | 醫療險（實報實銷） |
| 用途 | 補收入損失 + 自費醫療 | 住院 / 手術費報銷 |
| 賠償方式 | 確診即賠（100% 保額） | 憑單據報銷（限額內） |
| 多重賠償 | 癌症/中風/心臟病可多次賠 | 無（一年一額度） |
| 現金價值 | 有（儲蓄 + 分紅） | 無（純消費） |
| 扣稅 | 不可（非 VHIS） | 可（每年最高 8,000 港元） |
| 建議配置 | 必配（核心重疾） | 必配（醫療報銷） |
* 守護 168：核心重疾，確診即賠，補收入損失；VHIS：實報實銷，覆蓋住院及手術費。兩者互補，缺一不可。
Who It's For
Suitable and Unsuitable Client Profiles
Evaluate the suitability of this product against your financial plan and risk preference.
Highly Suitable Clients
- Seeks multi-pay critical illness insurance, with emphasis on protection for cancer, stroke and heart disease.
- Need full carcinoma in situ cover, so funds are available for early treatment.
- Worried about lost income while recovering. Need monthly cash payout benefit.
- Favours savings features with cash value and dividends.
- Already holds a VHIS medical plan and seeks to supplement it with lump-sum critical illness benefit.
Not Recommended Clients
- Only requires reimbursement of hospitalisation expenses (to be paired with a VHIS medical plan).
- Applicant with pre-existing illnesses upon application (pre-existing conditions are not covered).
- Looking for the lowest premium (savings policies cost more than pure protection plans).
- Cannot accept non-guaranteed dividends.
- Need for flexible cash withdrawals in the short term.