Critical Illness Insurance

The service hours of the Customer Service Centre and the Customer Service Hotline will have special arrangements on the following dates
Date: 24 December 2025 (Christmas Eve) & 31 December 2025 (New Year’s Eve)
Service hours: 9 am to 1 pm
The Cashier Office at the Customer Service Centre will have extended hours on the following date
Date: 27 December 2025 (Saturday)
Service hours: 9 am to 6 pm
If you have any inquiries, please contact our Customer Service Hotline on 2866 8898

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Policy Owner CTF Life Planner Intermediaries CIRCLE Member

Leveraging the financial strength and strategic investments of Chow Tai Fook Group’s ecosystem, CTF Life is committed to providing personalised planning solutions, lifelong protection and diverse lifestyle experiences to customers and their loved ones throughout the life journey of “Wellbeing, Growth, Healthcare and Legacy”, while continuously creating value beyond insurance.

“FamCare 198” Critical Illness Protector / “FamCare 198” Critical Illness Protector – Pregnancy Baby Protection

Comprehensive Critical Illness protection covers up to 198 illnesses (enhancing the protection against unknown and rare diseases)
Unlimited Top-up Benefit on Severe Urban Diseases, safeguarding your future continuously
Pregnancy Baby Protection Plan Insure your child as early as 18 weeks of gestation

“HealthCare 168 Plus” Critical Illness Protector

Multiple coverages with aggregate up to 500% of the sum insured for Cancer / Stroke / Severe Heart Attack (waiting period as short as 1 year)
Protection against the condition of “Loss of Functionality of Key Organs” with Full coverage against 168 illnesses
Reset to the maximum 100% of the sum insured after claims and get back up to 100% of the sum insured protection

“Protect Starter” Critical Illness Protector

Cover multiple common Critical Illnesses including Cancer and Severe Heart Attack
Provide continued protection with the Waiver of Premium Benefit
Offer Guaranteed Cash Value and non-guaranteed Terminal Dividend

“HealthCare Choice” Critical Illness Protector

Comprehensive coverage against 76 common critical illnesses & enhanced protection against Cancer
Additional Benign Benefit to ensure extra peace of mind by getting early treatments
Offers Living Benefits for Critical Illnesses on different Severity Levels

"TargetCare" Cancer Plan

Reimbursement of medical expenses for Covered Cancer plus an additional lump sum "Extra Major Cancer Cash Benefit" of HKD300,000, up to a total benefit of HKD6.3 million
Provides “Top Up Benefit for Targeted Therapy” up to HKD1 million per Covered Cancer
Up to HKD80,000 “Additional Cancer Care Benefit” covers hospital cash, consultation for Chinese medical practitioner, dietician, psychological counseling and home nursing services per Covered Cancer

"TargetCare" Cancer Rider

Reimbursement of medical expenses for Covered Cancer plus an additional lump sum "Extra Major Cancer Cash Benefit" of HKD200,000, up to a total benefit of HKD3.8 million
Provides “Top Up Benefit for Targeted Therapy” up to HKD600,000 per Covered Cancer
Up to HKD64,000 “Additional Cancer Care Benefit” covers hospital cash, consultation for Chinese medical practitioner, dietician, psychological counseling and home nursing services per Covered Cancer

The above product summary is for reference only. For more details on the product, please refer to the policy terms and benefits.
If you are interested in this product, please contact your insurance consultant.

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