Important Notice:

FTLife will change its company name to Chow Tai Fook Life Insurance Company Limited (“CTF Life”) and launch the new brand in the third quarter of this year. FTLife’s business operations remain consistent. The forthcoming name change and brand elevation will not affect the day-to-day management and operation of existing policies. Please refer to the press release for more details (About FTLife > News Centre).
“HealthCare Choice” Critical Illness Protector
Health+ Series

“HealthCare Choice” Critical Illness Protector

The coverage of the plan includes 76 common serious diseases, allowing you to enjoy a comprehensive and superior critical illness through affordable premiums.


Up to 100 years of age (Renewal guaranteed)

Insurance age

Aged 18 - 65 years

Insurance method

Your Financial Consultant

  • Additional Benign Benefit1,2 ensures extra peace of mind by getting early treatments
  • Living Benefits for Critical Illnesses on different Severity Levels3
  • Death Benefit in a lump sum payment4
  • Guaranteed Renewal and Protection until Age 100
  • Convertibility Option5
Health+ Series
“HealthCare Choice” Critical Illness Protector

  1. If the insured is diagnosed with a covered Critical Illness or surgical excision of benign tumour, we will pay Living Benefit or Additional Benign Benefit provided that the insured is alive when applying for the benefit claim.
  2. In case more than one Critical Illness(es) are diagnosed and/or undergone surgical excision of benign tumour in the same event, we will only pay the benefit relating to one of those Critical Illness(es) or surgical excision of benign tumour for which the highest benefit amount is payable. For details, please refer to policy provisions.
  3. We will pay benefit only once for each Severity Level 1 and 2 Critical Illnesses (except Carcinoma In Situ). Total amount of all Living Benefit paid for the Critical Illness(es) of Severity Level 1 and 2 should be equal to 90% of the Sum Insured, and the residual 10% of Sum Insured will be paid upon the death of the insured or in the event of diagnosis of Severity Level 3 Critical Illnesses. Living Benefit of Severity Level 3 Critical Illness or Death Benefit will be paid after deduction of Living Benefit of Severity Level 1 and 2 Critical Illnesses previously paid.
  4. The Death Benefit equals to 100% of the Sum Insured - Living Benefit previously paid (if any).
  5. Convertibility Option is only applicable when no Living Benefit has ever been paid. The insured can choose to convert this Plan into a designated whole life or whole life with critical illness protection insurance plan offered by us (subject to the products that are available at the time) on or before the policy anniversary at which the insured attains age 65 and at the 3rd policy anniversary and every 3 years thereafter. The request has to be submitted within 3 months before or after the policy anniversary.
  6. The above product information does not contain the full terms of the plan and the full terms can be found in the policy document.
  7. This plan may be purchased as a standalone plan without bundling with other type(s) of insurance product.

Download Product Introduction

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.