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Well Link Life Critical illness plans compared

Hong Kong Insurance Connect: compare 3 Well Link Life Critical illness plans (2023–2026) by cover, premium terms and issue age, with official sources checked . Compare the same currency and cover period, then follow each insurer document for exclusions and missing data before considering a policy.Source

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Last checked

Years 2023–2026 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: 3 / 3

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisPublished key exclusions (not exhaustive)
Well Protect Critical Illness Insurance PlanWell Link LifeCritical illness Source1HKD / USD Source2
  • 5 years
  • 10 years
  • 15 years
Show all 4
  • 20 years
Source2		To age 100 Source2
  • 15 days to 60 years / Age basis: Age last birthday / 5-year premium term.
  • 15 days to 55 years / Age basis: Age last birthday / 10-year premium term.
  • 15 days to 50 years / Age basis: Age last birthday / 15-year premium term.
Show all 4
  • 15 days to 45 years / Age basis: Age last birthday / 20-year premium term.
Source2		Selected exclusion: pre-existing conditions; see the full wording for all exclusions and exceptions. Source3
Well Protect Critical Illness SimPro Insurance PlanWell Link LifeCritical illness Source4HKD / USD Source5
  • 5 years
  • 10 years
  • 15 years
Show all 4
  • 20 years
Source5		To age 100 Source5
  • 15 days to 65 years / Age basis: Age last birthday / 5-year premium term.
  • 15 days to 60 years / Age basis: Age last birthday / 10-year premium term.
  • 15 days to 55 years / Age basis: Age last birthday / 15-year premium term.
Show all 4
  • 15 days to 50 years / Age basis: Age last birthday / 20-year premium term.
Source5		Selected exclusion: pre-existing conditions; see the full wording for all exclusions and exceptions. Source6
Well Protect Critical Illness Supplementary BenefitWell Link LifeCritical illness Source7

No public field citation recorded

Renewable / Yearly renewal up to age 100. Source8Renewable / Yearly renewal up to age 100. Source815 days to 70 years / Age basis: Age last birthday Source8Selected exclusion: pre-existing conditions; see the full wording for all exclusions and exceptions. Source9

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 factsWell Protect Critical Illness Insurance PlanWell Protect Critical Illness SimPro Insurance PlanWell Protect Critical Illness Supplementary Benefit
What it pays and when
  • Benefit term: To age 100
  • The benefit term runs to age 100.
Public source · Checked Public source · Checked
  • Benefit term: To age 100
  • The benefit term runs to age 100.
Public source · Checked Public source · Checked
  • Benefit term: Renewable / Yearly renewal up to age 100.
  • Recorded features: Policy currency follows the basic plan; no independent currency choice is confirmed.
  • Critical illness and death benefits each equal the sum insured at diagnosis or death respectively, less indebtedness.
Public source · Checked Public source · Checked
Benefit limitsEach early-stage critical illness can be claimed once, except carcinoma-in-situ and percutaneous coronary intervention, each payable at most twice.Public source · Checked For issue ages 0 (15 days) to 40, simplified health underwriting is available up to HKD 4.8 million or USD 600,000 sum insured; lower limits apply at older issue ages.Public source · Checked Maximum sum insured is HKD 8 million, RMB 8 million or USD 1 million.Public source · Checked
Guaranteed / non-guaranteedGuaranteed cash value starts from the second policy anniversary; the Special Dividend after five years is non-guaranteed and does not form a permanent addition to policy values.Public source · Checked Guaranteed cash value starts from the second policy anniversary; the terminal dividend from the fifth anniversary is non-guaranteed.Public source · Checked Renewal is guaranteed subject to the supplementary benefit terms and continued premium payment, up to the policy anniversary on or following age 100; premium rates may be adjusted.Public source · Checked
Waiting periodsA 60-day initial exclusion period applies from the latest issue, endorsement or reinstatement date; critical illness caused by an accident is excepted.Public source · Checked A 60-day initial exclusion period runs from the latest policy issue, endorsement or reinstatement date; accident-caused critical illness is excepted.Public source · Checked The initial waiting period is 60 days from the latest applicable issue, endorsement or supplementary benefit reinstatement date; accident-caused critical illness is excepted.Public source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Selected exclusion: pre-existing conditions; see the full wording for all exclusions and exceptions.
  • Exclusions include pre-existing conditions, intentional self-inflicted acts and participation in war or peacekeeping activities.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Selected exclusion: pre-existing conditions; see the full wording for all exclusions and exceptions.
  • Suicide within 12 months of issue or reinstatement, whichever is later, limits payment to premiums refunded without interest, less indebtedness; an increase in sum insured has a separate start date.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Selected exclusion: pre-existing conditions; see the full wording for all exclusions and exceptions.
  • Examples of critical illness exclusions include pre-existing conditions, congenital deformities or anomalies and intentional self-inflicted acts; this is not the complete list.
Public source · Checked Public source · Checked
Covered conditions / definitionsThe brochure lists 45 early-stage and 62 critical illnesses; full definitions are governed by the policy documents.Public source · Checked The brochure lists 62 critical illnesses; loss of independent existence and total and permanent disability cover applies at ages 18 to 64.Public source · Checked The brochure lists 62 covered critical illnesses, including cancer, heart attack and stroke; the policy definitions apply.Public source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesWell Protect Critical Illness Insurance PlanWell Protect Critical Illness Insurance PlanWell Protect Critical Illness SimPro Insurance PlanWell Protect Critical Illness SimPro Insurance PlanWell Protect Critical Illness Supplementary BenefitWell Protect Critical Illness Supplementary BenefitWhat it pays and whenWhat it pays and whenBenefit term: To age 100 · The benefit term runs to age 100.Benefit term: To age 100 ·…Benefit term: To age 100 · The benefit term runs to age 100.Benefit term: To age 100 ·…Benefit term: Renewable / Yearly renewal up to age 100. · Recorded features: Policy currency follows the basic plan; no independent currency choice is confirmed. · Critical illness and death benefits each equal the sum insured at diagnosis or death respectively, less indebtedness.Benefit term: Renewable / …Benefit limitsBenefit limitsEach early-stage critical illness can be claimed once, except carcinoma-in-situ and percutaneous coronary intervention, each payable at most twice.Each early-stage critical …For issue ages 0 (15 days) to 40, simplified health underwriting is available up to HKD 4.8 million or USD 600,000 sum insured; lower limits apply at older issue ages.For issue ages 0 (15 days)…Maximum sum insured is HKD 8 million, RMB 8 million or USD 1 million.Maximum sum insured is HKD…Guaranteed / non-guaranteedGuaranteed / non-guarantee…Guaranteed cash value starts from the second policy anniversary; the Special Dividend after five years is non-guaranteed and does not form a permanent addition to policy values.Guaranteed cash value star…Guaranteed cash value starts from the second policy anniversary; the terminal dividend from the fifth anniversary is non-guaranteed.Guaranteed cash value star…Renewal is guaranteed subject to the supplementary benefit terms and continued premium payment, up to the policy anniversary on or following age 100; premium rates may be adjusted.Renewal is guaranteed subj…Waiting periodsWaiting periodsA 60-day initial exclusion period applies from the latest issue, endorsement or reinstatement date; critical illness caused by an accident is excepted.A 60-day initial exclusion…A 60-day initial exclusion period runs from the latest policy issue, endorsement or reinstatement date; accident-caused critical illness is excepted.A 60-day initial exclusion…The initial waiting period is 60 days from the latest applicable issue, endorsement or supplementary benefit reinstatement date; accident-caused critical illness is excepted.The initial waiting period…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Selected exclusion: pre-existing conditions; see the full wording for all exclusions and exceptions. · Exclusions include pre-existing conditions, intentional self-inflicted acts and participation in war or peacekeeping activities.Published key exclusions (…Published key exclusions (not exhaustive): Selected exclusion: pre-existing conditions; see the full wording for all exclusions and exceptions. · Suicide within 12 months of issue or reinstatement, whichever is later, limits payment to premiums refunded without interest, less indebtedness; an increase in sum insured has a separate start date.Published key exclusions (…Published key exclusions (not exhaustive): Selected exclusion: pre-existing conditions; see the full wording for all exclusions and exceptions. · Examples of critical illness exclusions include pre-existing conditions, congenital deformities or anomalies and intentional self-inflicted acts; this is not the complete list.Published key exclusions (…Covered conditions / definitionsCovered conditions / defin…The brochure lists 45 early-stage and 62 critical illnesses; full definitions are governed by the policy documents.The brochure lists 45 earl…The brochure lists 62 critical illnesses; loss of independent existence and total and permanent disability cover applies at ages 18 to 64.The brochure lists 62 crit…The brochure lists 62 covered critical illnesses, including cancer, heart attack and stroke; the policy definitions apply.The brochure lists 62 cove…

Well Protect Critical Illness Insurance Plan · Compare fulfillment ratios

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Comparison groups

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Sources & verification dates

Sources & verification dates

Checked:

  1. Official product page, Product Summary section; publication date unknown

    Source date: Not confirmed

  2. Official brochure, physical PDF page 9, Product Summary; printed edition code, not effective date

    Source date: / Page: 9

  3. Official brochure, physical PDF pages 16, selected exclusions / suicide section

    Source date: / Page: 16

  4. Official product page, Product Summary section; publication date unknown

    Source date: Not confirmed

  5. Official brochure, physical PDF page 4, Product Summary; printed edition code, not effective date

    Source date: / Page: 4

  6. Official brochure, physical PDF pages 10–11, selected exclusions / suicide section

    Source date: / Page: 10

  7. Official product page, Product Summary section; publication date unknown

    Source date: Not confirmed

  8. Official brochure, physical PDF page 3, Product Summary; printed edition code, not effective date

    Source date: / Page: 3

  9. Official brochure, physical PDF pages 4–5, selected exclusions / suicide section

    Source date: / Page: 4

Information, not advice; we refer to a licensed Hong Kong broker.

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