Embrace Care Critical Illness Protector
As life expectancy is on the rise, the likelihood of facing multiple challenges from critical illness also increases. Preparing with proactive coverage can make all the difference.
Embrace Care Critical Illness Protector (“Embrace Care”) not only offers comprehensive coverage of illnesses from minor to major, but also provides extended protection with up to 4 additional claims for 3 common critical illnesses - Cancer, Heart Attack, and Stroke - up to Age 100, one of the longest multiple critical illness protection benefits in the market1.
Plan Highlights
Stay protected with coverage for 134 illnesses from minor to major
Covers 65 Major Illnesses, 56 Early Stage Illnesses, 5 Special Illnesses and 8 Juvenile Illnesses under Major and Minor Illness Benefit.
Protection for illnesses due to undetected congenital conditions
Provides protection for any Minor Illness or Major Illness arising from undetected congenial conditions.
[Rare-in-market] Up to 4 additional claims for Cancer, Heart Attack and Stroke up to Age 100
Offers up to 4 additional claims for Cancer, Heart Attack and Stroke, subject to a waiting period. This benefit offers coverage up to Age 100, making it one of the longest-lasting multiple critical illness protection plans in the market1.
Protection can be restored to 100% after claims
If the Insured is diagnosed with a Major Illness or passes away, the Protection Revival Benefit will restore the aggregate amount of Minor Illness Benefit paid for any Minor Illness(es) and / or Protection Sharing Benefit.
Extra 50% protection within the first 10 Policy years
If the Insured is unfortunately diagnosed with a covered Major Illness or passes away, a one-time Extra Coverage Benefit equal to 50% of the Sum Assured will be paid.
Premium waived for up to 3 years if your spouse or child is diagnosed with a Major Illness or passes away
If your spouse or child is diagnosed with a Major Illness or passes away, the Premium of your Basic Plan will be waived for up to 36 months, easing your financial burden during these challenging times.
Protection for the Insured’s Child up to 20% Sum Assured
If the Insured’s Child is diagnosed with Cancer before the Policy anniversary on which they turn Age 18, a one-time Protection Sharing Benefit up to 20% of the Sum Assured will be paid, provided that there is no Major Illness Benefit paid or payable.
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1. It is based on a comparison with other critical illness protection plans for new Composite and Long-Term Businesses as identified in the Register of Authorized Insurers by Insurance Authority as of 1 April 2025.
This webpage is for general reference only and should not be regarded as professional advice, recommendation and it is not part of the policy. It provides an overview of the key features of the product and should be read along with other materials which cover additional information about the product. Such materials include, but not limited to, product brochure that contains key product risks, policy provisions that contain exact terms and conditions, benefit illustrations (if any) and other policy documents and other relevant marketing materials, which are all available upon request. You might also consider seeking independent professional advice if needed.
The above information shall not be construed as an offer to sell, solicitation or persuasion to buy or provision of any of our products outside Hong Kong. For further information, please contact your Chubb Life Hong Kong Insurance Consultant or call our Customer Service Center Hotline at (852) 2894 9833.
The “Chubb Life Hong Kong”, “Company”, “we”, or “our” herein refers to Chubb Life Insurance Hong Kong Limited.