Critical illnesses are becoming more common and increasingly affecting younger individuals — start protecting yourself early for a safer, more secure future
According to the report published by Hong Kong Cancer Registry in 2025, around 104 people are diagnosed with cancer every day in Hong Kong, with approximately 38,000 new cases recorded and a 7% increase from previous year1. Critical illness is closer than most people think.
After diagnosis, the challenges begin — lost income, long-term recovery and ongoing daily family expenses can follow one after another. Critical illness plan provides a lump-sum cash payout to bridge financial gaps beyond medical expenses — giving you the flexibility to manage your finances freely and focus on recovery, free from financial stress.
Before you get critical illness plan, you might want to know…
- Do I need critical illness plan? -
- What does critical illness plan cover? -
- Which critical illness plan is right for me? -
Every step of the way, we are here to protect your health
True Cases, Total Care9,13
Explore our critical illness plan series
TotalAssure Critical Illness Plan Series | CareForAll Critical Illness Plan | |
Who Is It For | ||
Who Is It For | Those seeking comprehensive coverage with savings and wealth accumulation | Those with health concerns, pre-existing conditions or a medical history who worry about insurability |
Diseases Covered | ||
Diseases Covered | 135 illnesses from minor to major and 3 early risk conditions | 3 key critical illnesses14 including Cancer, Heart Attack, Stroke; and severe dementias |
Underwriting | ||
Underwriting | Standard underwriting | Relaxed underwriting requirements without performing any medical examinations5 — only a few health questions required |
Plan Type | ||
Plan Type | Participating critical illness plan | Pure critical illness plan |
Multiple Claims | ||
Multiple Claims | Provides multiple claims for major illness benefit, up to a maximum of 12 major illness claims15 together with major illness benefit in total, with total plan up to 1,300% of sum insured6,7,15 | Multiple claims are not applicable |
Early-Stage Coverage | ||
Early-Stage Coverage | ✅ Covers early risk conditions and minor illnesses | ❌ Not applicable |
Savings Element | ||
Savings Element | ✅ Guaranteed cash value and non guaranteed terminal bonus | ❌ Pure protection, no savings element |
Special Feature | ||
Special Feature |
|
|
Premium | ||
Premium | Relatively higher | Relatively lower |
Explore More Information | ||
Explore More Information | ||
Further reading: understand critical illness plan to better prepare for the future
Remarks
1.Source: Hong Kong Cancer Registry (2025)
2.Source: Hong Kong Anti-Cancer Society (2024)
3.Source: Topick (2020)
4.Source: AM730 (2026)
5.Your application is subject to AXA’s underwriting requirements and any other requirements from time to time. We may require you to provide further information and satisfactory proof to us for our assessment. All matters and disputes are subject to the final decision of AXA.
6.The sum insured as at the time when the relevant benefit becomes payable.
7.The maximum aggregate amount of eligible claims includes benefits under Early Risk Defender Benefit, Minor Illness Benefit, Major Illness Benefit, Multiple Claims Major Illness Benefit and Continuous Cancer Payout Benefit. For benefits shall be excluded in the computation of the total 1300% of the sum insured, please refer to the product brochure for details.
8.Source: Internal information provided by the AXA claims department for the year 2024.
9.Source: Internal information provided by the AXA claims department for the year 2024. This data includes only life medical and critical illness claims records, and excludes claims for death, group medical, group critical illness, and individual medical from general insurance.
10.Source: Hong Kong Adventist Hospital, "Stroke" https://www.hkah.org.hk/en/conditions-and-treatments/stroke
11.Source: Hong Kong Sanatorium & Hospital, "Acute Stroke"
https://www.hksh-hospital.com/pnewsletter/pdf/62.pdf
12.Source: AXA, "[Dr Chiu Explains] Understanding the Hidden Risks of Dementia"
https://www.axa.com.hk/en/blog/health/understanding-the-hidden-risks-of-dementia
13.According to claims questionnaire result from AXA's customers after enjoying our claims service. Above cases, claim processing time and compensation amount are for reference only. Compensation result is subject to terms and conditions that apply, and is subject to AXA’s final decision.
14. The critical illnesses covered depend on the plan level.
Plan levels | CareForAll - Prestige | CareForAll - CVD | CareForAll - Cancer |
Covered major illnesses | |||
Covered major illnesses |
|
|
|
15.Only applicable to TotalAssure Plus Critical Illness Plan and TotalAssure Plus Critical Illness Plan – BabyPro.
16.“Age 100” refers to the policy anniversary on or immediately following the insured’s 100th birthday, whichever is earlier.
Disclaimers
Terms & Conditions apply. Information on this webpage is for reference only, and not intended to be a complete description of the applicable terms and conditions. Please refer to the relevant product brochure, policy contract and promotion leaflet for details for detailed terms and conditions. You should not purchase a policy based on the information on this website alone.
Follow AXA
