HKCSS VEB Critical Illness Cover


Critical Illness Cover

The sad truth is no matter your age or whether you are healthy or not, serious illness can strike at any time during your life. Did you know that the leading cause of death in Hong Kong in 2017 was cancer? (Malignant Neoplasms)*

No one ever expects an illness but if it happens would you be able to financially support your medical expenses and other expenses for yourself and loved one?

Our Critical Illness Cover offers benefits covering 47 illnesses including Cancer, Stroke, Heart Attack and Kidney Failure. We provide you with a lump sum payment in the event of first diagnosis of a critical illness.

Our protection is here to give you financial support when you most need it.

*Source from Centre for Health Protection

Key Highlights*

Critical illness plan covers 47 critical illnesses

Receive up to HK$500,000 for diagnosis of 47 critical illnesses

Including serious illnesses such as cancer, heart attacks, strokes, major organ / bone transplantation, kidney failure, major burns, paralysis, etc.

Critical illness cover provides extra support than medical insurance

Already have medical insurance? Treat this as extra support

A lump sum cash payment will be paid in case of first diagnosis of specified critical illness.

Whereas most medical insurances just provide reimbursement and can only be used to reimburse you for medical expenses, you can use the money from our critical illness cover flexibly to suit your needs.

Critical illness insurance provides 3 coverage levels

Optional Cover for Carcinoma-in-situ (CIS)

You can add on cover for CIS, with 20% of the sum insured being paid in the event of the first diagnosis of CIS of female or male organs.

High compensation percentage for critical illness cover

High compensation percentage

100% of the sum assured will be paid upon the first diagnosis of 44 specified critical illnesses*, subject to the amount selected.

*The above information is for reference only. For the full benefit table, please refer to our policy wording ( personal accident / daily hospital income cover / critical illness / senior care protection plan / optional CIS cover / optional China Assist Card Service). 

Plan Coverage

Covered critical illnesses include

1. Stroke

25. Motor Neurone Disease 

2. Major Cancer

26. Parkinson’s Disease

3. Heart Attack

27. Encephalitis

4. Other Serious Coronary Artery Disease

28. Benign Brain Tumour

5. Coronary Artery By-pass Surgery

29. Major Head Trauma

6. Heart Valve Surgery

30. Bacterial Meningitis

7. Fulminant Hepatitis

31. Apallic Syndrome

8. End Stage Liver Failure

32. Systemic Lupus Erythematosus (SLE) caused by Lupus Nephritis

9. Primary Pulmonary Hypertension

33. Chrohn’s Disease

10. End-stage Lung Disease

34. Acute Necrotizing Pancreatitis

11. Kidney Failure

35. Terminal Illness

12. Surgery to Aorta

36. Loss of Independent Existence

13. Aplastic Anaemia

37. Elephantiasis

14. Major Organ / Bone Marrow Transplantation

38. AIDS due to Blood Transfusion

15. Blindness (Loss of Sight)

39. Occupational Acquired HIV

16. Deafness (Loss of Hearing)

40. Severe Rheumatoid Arthritis

17. Loss of Speech

41. Medillary Cyctic Disease

18. Coma

42. Cardiomyopathy

19. Major Burns

43. Ebola

20. Multiple Sclerosis

44. Creutzfeld-Jacob Disease

21. Paralysis (Loss of use of Limbs)

45. Angioplasty and Other Invasive Treatments for Coronary Artery*

22. Poliomyelitis

46. Severe Acute Respiratory Syndrome (SARS)**

23. Muscular Dystrophy

47. Cerebral Aneurysm Requiring Surgery***

24. Alzheimer’s Disease / Severe Dementia


*Only 10% of the sum assured will be paid subject to the amount selected.  This Critical Illness will be terminated upon such payment and the amount of subsequent Critical Illness Benefit will then be reduced.

**Only 10% of the sum assured or maximum HK$20,000 will be paid subject to whichever is lower.  This Critical Illness will be terminated upon such payment and the amount of subsequent Critical Illness Benefit will then be reduced.

***Only 40% of the sum assured will be paid subject to the amount selected.  This Critical Illness will be terminated upon such payment and the amount of subsequent Critical Illness Benefit will then be reduced.

What are the differences between Cancer Cover and CIS Cover?

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Daily Hospital Income Cover

  • Add-on this cover from as little as HK$23 extra premium per month
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Tailor your own plan!

All-round protection

Against accident and hospitalization

Safeguard for serious conditions

Easy to claim

In the event of loss, written notice of claim should be given to us within thirty (30) days of the occurrence or in the event of a death claim immediately where practicable. Our claim process summary is set out below:


  Fill the claim form


  Prepare required supporting documents / proof


  Submit claim form and supporting documents in 30 days*


  Review Claims & Approval


  Claims Settlement


Insured and spouse: Aged 18 – 65 (you can renew policy till age 69);

All unmarried and unemployed children): Aged 6 months – 21 (policy renewable till age 25 for full-time students)

Optional Senior Care Protection Plan

Aged 45 – 75 (you can renew policy till age 85)

Voluntary Employee Benefit Program provides a lump sum cash payment if you suffer an accident that leads to death, disability or dismemberment. The compensation can be used at your choice to pay for your treatments, provide financial support during recovery, or help your family. This product also provides accidental medical expenses benefit which reimburses you for the injury sustained through an accident.

You will not be covered under this insurance if your job or the nature of your job is one of the following excluded classes: blaster, jockey, detective, stuntman, stevedore, fisherman, driver (cross-border between Hong Kong and Mainland China), test pilot, circus trainer, aerial worker, caisson worker, lift technician, building wrecker, driller-underground, wild animal trainer, secret service agent, container crane operator, construction site worker, dynamite/explosive operator and government/state disciplinary forces.

Voluntary Employee Benefit Program is a flexible and affordable insurance product. You pay the premium monthly, instead of on a yearly basis.

Making a claim is easy. You only need to fill the claim form and submit it along with required documents within 30 days following an incident. We will review and settle your case as soon as we can.

We cover for 47 different serious illnesses. You can see our full list of coverage here.

Yes, our cover is 24-hour worldwide.


The above is for reference only and does not form part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. AIG Insurance Hong Kong Ltd. reserves right of final approval and decision.

(The English version shall prevail in case of inconsistency between the English and Chinese versions).

Next Steps



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