BOC Life Critical illness plans compared

Hong Kong Insurance Connect: compare 4 BOC Life Critical illness plans (2026) by cover, premium terms and issue age, with official sources checked 21 Oct 2026. Compare the same currency and cover period, then follow each insurer document for exclusions and missing data before considering a policy.Source

Ask a licensed Hong Kong broker for a free comparison of suitable plans

Last checked 21 Oct 2026

Years 2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

Insurers (23)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 4 / 4

Comparable facts
Product	Insurer	Product category	Policy currencies	Premium payment terms	Benefit term	Issue ages & basis	Recorded features	Published key exclusions (not exhaustive)
AlongPro Critical Illness Plan (Online Application)	BOC Life	Critical illness Source1	HKD Source2	To age 80 / Annual renewal to age 80; premiums reviewed every 5 years. Source2	To age 80 Source2	18 years to 60 years / Age basis: Not confirmed Source2	Cancer, stroke and heart attack cover with death benefit; level premiums for each five-year period. Source1	For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Source3
BestCare-Pro Critical Illness Insurance Plan	BOC Life	Critical illness Source4	CNY / HKD / USD Source5	10 years 15 years 20 years Source5	To age 100 Source5	15 days to 65 years / Age basis: Not confirmed / 10-year payment term. 15 days to 60 years / Age basis: Not confirmed / 15-year payment term. 15 days to 55 years / Age basis: Not confirmed / 20-year payment term. Source5	More than 100 covered illnesses; optional multiple-claims rider allows up to five extra major illness claims. Three premium payment term choices, as short as 10 years. Source4	For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Source6
Critical Illness 188 Whole Life Insurance Plan	BOC Life	Critical illness Source7	CNY / HKD / USD Source8	10 years 20 years 25 years Source8	Whole life Source8	15 days to 65 years / Age basis: Not confirmed / 10-year payment term. 15 days to 55 years / Age basis: Not confirmed / 20-year payment term. 15 days to 50 years / Age basis: Not confirmed / 25-year payment term. Source8	188 covered illnesses with multiple critical illness protection and continuous support benefits, subject to conditions. Source7	For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Source9
SmartGuard Critical Illness Insurance Plan	BOC Life	Critical illness Source10	CNY / HKD / USD Source11	10 years 15 years 20 years Source11	To age 100 Source11	15 days to 65 years / Age basis: Not confirmed / 10-year payment term. 15 days to 60 years / Age basis: Not confirmed / 15-year payment term. 15 days to 55 years / Age basis: Not confirmed / 20-year payment term. Source11	More than 100 covered illnesses; up to four additional cancer, stroke and heart attack claim payments in aggregate. Three premium payment term choices, as short as 10 years. Source10	For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Source12

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable facts	AlongPro Critical Illness Plan (Online Application)	BestCare-Pro Critical Illness Insurance Plan	Critical Illness 188 Whole Life Insurance Plan
What it pays and when	Benefit term: To age 80 Recorded features: Cancer, stroke and heart attack cover with death benefit; level premiums for each five-year period. Public source · Checked 21 Oct 2026Public source · Checked 13 Oct 2026	Benefit term: To age 100 Recorded features: More than 100 covered illnesses; optional multiple-claims rider allows up to five extra major illness claims. Recorded features: Three premium payment term choices, as short as 10 years. Public source · Checked 21 Oct 2026Public source · Checked 13 Oct 2026	Benefit term: Whole life Recorded features: 188 covered illnesses with multiple critical illness protection and continuous support benefits, subject to conditions. Public source · Checked 21 Oct 2026Public source · Checked 13 Oct 2026
Benefit limits	The checked sample terms cap aggregate major illness claims across this plan and the companion 10-year online plan named there at HKD2,500,000, less minor illness benefits paid or payable, indebtedness and outstanding premiums. The insurer pays that aggregate amount once.Public source · Checked 14 Oct 2026	Juvenile and Minor Illness Benefits together are capped at 80% of initial sum insured. Carcinoma-in-situ and coronary minor-intervention claims also have per-illness/per-life caps of HKD360,000/USD45,000.Public source · Checked 13 Oct 2026	Special, Minor and Juvenile Illness Benefits together are capped at 100% of sum insured per policy. Individual illness limits and later major-illness benefit rules are separate.Public source · Checked 13 Oct 2026
Guaranteed / non-guaranteed	The policy is non-participating and does not share insurer profits. Premiums are guaranteed unchanged for the initial 5 years, subject to the premium reduction following minor illness benefit payment.Public source · Checked 14 Oct 2026Public source · Checked 14 Oct 2026	Sum Insured and Guaranteed Cash Value reduce to zero at first major-illness diagnosis when the Major Illness Benefit is paid. Annual Dividend and Terminal Dividend are non-guaranteed.Public source · Checked 13 Oct 2026Public source · Checked 13 Oct 2026	Guaranteed Cash Value and Sum Insured reduce to zero on the first major-illness diagnosis when its claim is approved. Terminal Dividend is non-guaranteed and may change.Public source · Checked 13 Oct 2026Public source · Checked 13 Oct 2026
Waiting periods	Minor or major illness symptoms, conditions or diagnosis first appearing within 90 days immediately after the latest policy issue, endorsement or reinstatement effective date are excluded. Accident-caused illnesses are excepted.Public source · Checked 14 Oct 2026	The initial illness exclusion uses 90 days after the latest Policy Issue Date, endorsement date or reinstatement. The optional multiple-claims rider has a separate 90-day clause from its relevant effective dates; accident exceptions apply.Public source · Checked 13 Oct 2026	Continuous Support Benefit requires survival for at least 14 days after first diagnosis of the eligible cancer, heart attack, stroke or kidney failure. Additional major-illness claims have their own waiting conditions. For declared benign conditions, re-underwriting may be requested after a two-year waiting period if the condition has not relapsed or deteriorated and the relevant underwriting requirements are met. Public source · Checked 13 Oct 2026Public source · Checked 13 Oct 2026
Main exclusions	Published key exclusions (not exhaustive): For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Examples include pre-existing conditions, congenital deformities, non-prescribed drugs or alcohol abuse, HIV- related disease, war, military activity and intentional self-injury. The full listed exclusions apply. Public source · Checked 21 Oct 2026Public source · Checked 14 Oct 2026	Published key exclusions (not exhaustive): For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. The specified illness benefits exclude pre-existing conditions, non-prescribed drug use or alcohol abuse, HIV-related illness with stated exceptions, and self-inflicted injury or suicide. Benefit-specific wording and the full provisions apply. Public source · Checked 21 Oct 2026Public source · Checked 13 Oct 2026	Published key exclusions (not exhaustive): For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. The specified illness benefits exclude pre-existing conditions, non-prescribed drug use or alcohol abuse, HIV-related illness with stated exceptions, and self-inflicted injury or suicide. Benefit-specific wording and the full provisions apply. Public source · Checked 21 Oct 2026Public source · Checked 13 Oct 2026
Covered conditions / definitions	The cancer definition requires histopathological confirmation of malignant uncontrolled tumour growth invading and destroying normal tissue. Premalignant, borderline and low-malignant-potential tumours are excluded; the full diagnostic exclusions apply.Public source · Checked 14 Oct 2026	The plan covers 55 major illnesses and 39 minor illnesses, with juvenile illness coverage listed separately. Policy definitions and claim eligibility apply.Public source · Checked 13 Oct 2026	The schedule lists 89 Major Illnesses and six Special Illnesses; the following schedule page lists 76 Minor Illnesses and 17 Juvenile Illnesses. Definitions and age limits apply.Public source · Checked 13 Oct 2026Public source · Checked 13 Oct 2026