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Get instant financial relief for you and your family in the unfortunate event of critical illness

Person, Human, Finger

Get instant financial relief for you and your family in the unfortunate event of critical illness

CriticalCare Policy 1.0

From now until 30 Sep 2022, enjoy 10% premium discount and fabulous gifts (Net premium below HK$2,500: Two COVID-19 Rapid Antigen Test Kits; Net premium reaching HK$2,500 or above: One eye examination voucher) upon successful enrolment

Benefits Table

CriticalCare Policy 1.0 provides you with a lump sum cash payment of up to HK$250,000 if you are first diagnosed with any one of the 28 critical illnesses listed below.
28 critical illnesses include:
1.       Cancer (spread of malignant cells) 15.    Heart valve surgery
2.       Stroke (permanent neurological damage) 16.    Major organ transplant
3.       Heart attack 17.    Blindness (both eyes)
4.       Coronary artery bypass surgery 18.    Alzheimer’s disease
5.       Kidney failure (end stage kidney failure) 19.    Coma
6.       Parkinson’s disease 20.    Loss of speech
7.       Multiple sclerosis 21.    Major burns
8.       Motor neurone disease 22.    Benign brain tumour
9.       Paralysis/paraplegia 23.    Terminal illness
10.    Loss of hearing (both ears) 24.    Complete liver failure (end stage liver failure)
11.    Loss of independent existence 25.    Loss of limbs
12.    HIV resulting from a blood transfusion 26.    Muscular dystrophy
13.    Aorta surgery 27.    Encephalitis
14.    Pulmonary hypertension 28.    Accidental head injury resulting from a major head trauma
Premium Table  (HK$)
Age Group

(As per policy effective date)

Sum Insured (HK$)
100,000 150,000 250,000
Monthly Premium (HK$)
18 – 24 30 43 73
25 – 29 41 60 100
30 – 34 65 96 161
35 – 39 95 140 235
40 – 44 130 193 323
45 – 49 182 281 454
50 – 54 371 556 927
55 – 59 697 1,045 1,742
60 – 64

(At Policy Renewal Only)

1,027 1,541 2,569
  1. Any pre-existing conditions shall be excluded from this policy.
  2. The applicant must be resident of Hong Kong aged between 18 and 59.
  3. A Waiting Period of 90 days from the date of policy issue during which time claims caused other than by accident are not covered. The applicant must be alive for at least 30 days after being first diagnosed of a critical illness as specified in the Policy Wording in order to qualify for claim.
  4. The premium will increase upon entering each higher age group in premium table.
  5. Certain exclusions applied which have been listed out in the policy.
  6. Cover begins after an application has been accepted and the payable amount has been received. Premium and the Levy once paid will not be refundable except due to return of policy within 14 days Cooling-off Period.
  7. Insured person will have 14 days policy review period upon receipt of the insurance policy(ies) and/or policy terms. Insured person may cancel the policy by giving written notice to MSIG within the 14 days policy review period for any reason on the condition that there has been no claim payment incurred or made before the date of cancellation. Any premium and the Levy paid by Insured Person will be refunded without interest. In such case, the policy shall be deemed to have been void from the date of inception. This cancellation right shall not apply at policy renewal.
Important notes:

* Collection of Levy on Insurance Premium – The Insurance Authority (“IA”) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy. If the premium is paid by monthly instalment, we will adjust the rounding in the final month (if applicable) of each insurance period.

The above product is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain terms and conditions which are not detailed in the above. Should there be any discrepancy between the information contained in the above and the terms of the policy, the terms of the policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the relevant policy or contact MSIG at (852) 3122 6722 (Service Hours: Mon-Fri 9:00am – 5:30pm, except public holidays)

All matters or disputes in relation to this insurance product and the interpretation of terms and conditions shall be subject to the decision of MSIG, which shall be final and binding.


• Pre-existing conditions
• Congenital (inborn) anomalies
• Illness occurred within 90 days waiting period from the first inception date of the policy except due to accident
• Flying activity
• Alcohol or drug abuse
• Unreasonable failure to seek or follow medical advice
• Dangerous sports or pastimes
• Living outside usual country of residence for more than 3 consecutive months within 12 months
• Mental/psychiatric illness, self-inflicted injury/suicide, sexually transmitted diseases
• Unlawful/illegal act
• War, invasion, rebellion

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording

Disclaimer and Important Notes

The above plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”) which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information.

The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.

The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited will enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the product should be resolved directly between MSIG and the customer.