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CNY Critical illness plans compared

Compare 3 products sharing CNY / Critical illness: currencies CNY/HKD/USD, premium-payment options 10–25 years, issue-age span 15 days to 65 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

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Last checked

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: 3 / 3

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisRecorded featuresPublished key exclusions (not exhaustive)
BestCare-Pro Critical Illness Insurance PlanBOC LifeCritical illness Source1CNY / HKD / USD Source2
  • 10 years
  • 15 years
  • 20 years
Source2		To age 100 Source2
  • 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.
Source2
  • 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.
Source1		For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Source3
Critical Illness 188 Whole Life Insurance PlanBOC LifeCritical illness Source4CNY / HKD / USD Source5
  • 10 years
  • 20 years
  • 25 years
Source5		Whole life Source5
  • 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.
Source5		188 covered illnesses with multiple critical illness protection and continuous support benefits, subject to conditions. Source4For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. Source6
SmartGuard Critical Illness Insurance PlanBOC LifeCritical illness Source7CNY / HKD / USD Source8
  • 10 years
  • 15 years
  • 20 years
Source8		To age 100 Source8
  • 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.
Source8
  • 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.
Source7		For illness benefits: pre-existing conditions and intentional self-harm are excluded, among other causes; see benefit-specific terms. 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 factsBestCare-Pro Critical Illness Insurance PlanCritical Illness 188 Whole Life Insurance PlanSmartGuard Critical Illness Insurance Plan
What it pays and when
  • 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 Public source · Checked
  • Benefit term: Whole life
  • Recorded features: 188 covered illnesses with multiple critical illness protection and continuous support benefits, subject to conditions.
Public source · Checked Public source · Checked
  • Benefit term: To age 100
  • Recorded features: More than 100 covered illnesses; up to four additional cancer, stroke and heart attack claim payments in aggregate.
  • Recorded features: Three premium payment term choices, as short as 10 years.
Public source · Checked Public source · Checked
Benefit limitsJuvenile 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 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 Minor and Juvenile Illness Benefits together are capped at 80% of initial sum insured per policy. Carcinoma-in-situ and coronary minor-intervention claims also have per-illness/per-life caps of HKD360,000/USD45,000.Public source · Checked
Guaranteed / non-guaranteedSum 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 Public source · Checked 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 Public source · Checked Policy cash value includes Guaranteed Cash Value and a non-guaranteed Terminal Dividend. The example’s total cash values are not guaranteed.Public source · Checked
Waiting periodsThe 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
  • 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 Public source · Checked 		First diagnosis for the stated Major, Minor and Juvenile Illness Benefits must be at least 90 days after policy effectiveness. Subsequent heart-attack and stroke claims use a one-year interval; additional cancer claims have a separate three-year interval.Public source · Checked Public source · Checked
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.
  • 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 Public source · Checked
  • 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 Public source · Checked
  • 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 Public source · Checked
Covered conditions / definitionsThe plan covers 55 major illnesses and 39 minor illnesses, with juvenile illness coverage listed separately. Policy definitions and claim eligibility apply.Public source · Checked 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 Public source · Checked The plan covers 55 major illnesses, with Minor and Juvenile Illness Benefit scopes listed separately. Additional cancer, stroke and heart-attack benefits have separate rules.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 sourcesBestCare-Pro Critical Illness Insurance PlanBestCare-Pro Critical Illness Insurance PlanCritical Illness 188 Whole Life Insurance PlanCritical Illness 188 Whole Life Insurance PlanSmartGuard Critical Illness Insurance PlanSmartGuard Critical Illness Insurance PlanWhat it pays and whenWhat it pays and whenBenefit 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.Benefit term: To age 100 ·…Benefit term: Whole life · Recorded features: 188 covered illnesses with multiple critical illness protection and continuous support benefits, subject to conditions.Benefit term: Whole life ·…Benefit term: To age 100 · Recorded features: More than 100 covered illnesses; up to four additional cancer, stroke and heart attack claim payments in aggregate. · Recorded features: Three premium payment term choices, as short as 10 years.Benefit term: To age 100 ·…Benefit limitsBenefit limitsJuvenile 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.Juvenile and Minor Illness…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.Special, Minor and Juvenil…Minor and Juvenile Illness Benefits together are capped at 80% of initial sum insured per policy. Carcinoma-in-situ and coronary minor-intervention claims also have per-illness/per-life caps of HKD360,000/USD45,000.Minor and Juvenile Illness…Guaranteed / non-guaranteedGuaranteed / non-guarantee…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.Sum Insured and Guaranteed…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.Guaranteed Cash Value and …Policy cash value includes Guaranteed Cash Value and a non-guaranteed Terminal Dividend. The example’s total cash values are not guaranteed.Policy cash value includes…Waiting periodsWaiting periodsThe 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.The initial illness exclus…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.Continuous Support Benefit…First diagnosis for the stated Major, Minor and Juvenile Illness Benefits must be at least 90 days after policy effectiveness. Subsequent heart-attack and stroke claims use a one-year interval; additional cancer claims have a separate three-year interval.First diagnosis for the st…Main exclusionsMain exclusionsPublished 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.Published key 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. · 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.Published key 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. · 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.Published key exclusions (…Covered conditions / definitionsCovered conditions / defin…The plan covers 55 major illnesses and 39 minor illnesses, with juvenile illness coverage listed separately. Policy definitions and claim eligibility apply.The plan covers 55 major i…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.The schedule lists 89 Majo…The plan covers 55 major illnesses, with Minor and Juvenile Illness Benefit scopes listed separately. Additional cancer, stroke and heart-attack benefits have separate rules.The plan covers 55 major i…
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Sources & verification dates

Sources & verification dates

Checked:

  1. BestCare-Pro Critical Illness Insurance Plan — official product page

    Source date: Not confirmed

  2. Critical Illness 188 Whole Life Insurance Plan — official product page

    Source date: Not confirmed

  3. SmartGuard Critical Illness Insurance Plan — official product page

    Source date: Not confirmed

Checked:

  1. Official product document — Eligibility and plan summary; NBBCP/L/V10/0726

    Source date: / Page: 7

  2. Official product document — Selected exclusions; NBBCP/L/V10/0726

    Source date: / Page: 8

  3. Official product document — Eligibility and plan summary; BOCCI188/PB/V05/0726

    Source date: / Page: 5

  4. Official product document — Selected exclusions; BOCCI188/PB/V05/0726

    Source date: / Page: 14

  5. Official product document — Eligibility and plan summary; NBSG/L/V08/0726/E

    Source date: / Page: 7

  6. Official product document — Selected exclusions; NBSG/L/V08/0726/E

    Source date: / Page: 14

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

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