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    Comparison of Pure Critical Illness Insurance Premiums

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    4 Critical Illness Premiums
    1. 0Intro
    2. 1 What is Critical Illness?
    3. 2 Type of Critical Illness Insurance
    4. 3 Critical Ilness Insurance Coverage
    5. 4 Critical Illness Premiums
    6. 5 How to get insured and claim?
    7. 6 FAQ for Critical Illness Insurance
    8. 7 Slangs for Critical Illness Insurance
    Term-CI-EN

    Comparison of Pure Critical Illness Insurance Premiums

    Hong Kong people have always valued cost-effectiveness, from ordering takeout to buying insurance, they are accustomed to collecting several options and comparing them one by one. If you are planning to buy pure critical illness insurance, Bowtie has compared the premiums of four insurance companies in Hong Kong that offer online insurance, covering age groups from 18 to 60 years old, and further dividing the products into single compensation and multiple compensation by their natures.
    Updated on 2025-05-02
         
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      Comparison of Premiums for Pure Critical Illness Insurance with Single Compensation

      Males aged 18 to 30
      Bowtie  Insurance Company A Insurance Company B Insurance Company C
      18 HK$50 HK$46💰 HK$68 HK$78💰💰💰
      19 HK$52 HK$49💰 HK$71 HK$83💰💰💰
      20 HK$54 HK$52💰 HK$73 HK$86💰💰💰
      21 HK$57 HK$56💰 HK$75 HK$91💰💰💰
      22 HK$59💰 HK$59💰 HK$76 HK$97💰💰💰
      23 HK$62💰 HK$63 HK$78 HK$103💰💰💰
      24 HK$65💰 HK$68 HK$81 HK$110💰💰💰
      25 HK$68💰 HK$75 HK$86 HK$117💰💰💰
      26 HK$72💰 HK$86 HK$90 HK$126💰💰💰
      27 HK$76💰 HK$93 HK$95 HK$136💰💰💰
      28 HK$82💰 HK$102 HK$101 HK$147💰💰💰
      29 HK$87💰 HK$110 HK$107 HK$159💰💰💰
      30 HK$91💰 HK$124 HK$114 HK$172💰💰💰

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest, and the ones marked with 💰💰💰 are the most expensive.

      Females aged 18 to 30
      Bowtie  Insurance Company A Insurance Company B Insurance Company C
      18 HK$59💰 HK$92💰💰💰 HK$71 HK$78
      19 HK$63💰 HK$98💰💰💰 HK$75 HK$83
      20 HK$66💰 HK$104💰💰💰 HK$79 HK$86
      21 HK$69💰 HK$108💰💰💰 HK$83 HK$91
      22 HK$71💰 HK$114💰💰💰 HK$89 HK$97
      23 HK$76💰 HK$123💰💰💰 HK$98 HK$103
      24 HK$81💰 HK$133💰💰💰 HK$107 HK$110
      25 HK$86💰 HK$136💰💰💰 HK$117 HK$117
      26 HK$93💰 HK$141💰💰💰 HK$129 HK$126
      27 HK$102💰 HK$153💰💰💰 HK$142 HK$136
      28 HK$111💰 HK$166💰💰💰 HK$153 HK$147
      29 HK$120💰 HK$180💰💰💰 HK$167 HK$159
      30 HK$132💰 HK$189💰💰💰 HK$182 HK$172

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest, and the ones marked with 💰💰💰 are the most expensive.

      Males aged 31 to 40
      Bowtie Insurance Company A Insurance Company B Insurance Company C
      31 HK$101💰 HK$132 HK$122 HK$187💰💰💰
      32 HK$110💰 HK$141 HK$132 HK$203💰💰💰
      33 HK$122💰 HK$153 HK$142 HK$221💰💰💰
      34 HK$133💰 HK$165 HK$153 HK$239💰💰💰
      35 HK$144💰 HK$177 HK$165 HK$255💰💰💰
      36 HK$155💰 HK$191 HK$177 HK$278💰💰💰
      37 HK$167💰 HK$207 HK$190 HK$303💰💰💰
      38 HK$180💰 HK$227 HK$206 HK$330💰💰💰
      39 HK$194💰 HK$249 HK$223 HK$362💰💰💰
      40 HK$207💰 HK$273 HK$243 HK$398💰💰💰

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest, and the ones marked with 💰💰💰 are the most expensive.

      Females aged 31 to 40
      Bowtie Insurance Company A Insurance Company B Insurance Company C
      31 HK$152💰 HK$206💰💰💰 HK$198 HK$187
      32 HK$172💰 HK$224💰💰💰 HK$216 HK$203
      33 HK$197💰 HK$247💰💰💰 HK$237 HK$221
      34 HK$223💰 HK$272💰💰💰 HK$259 HK$239
      35 HK$250💰 HK$299💰💰💰 HK$283 HK$255
      36 HK$276💰 HK$325💰💰💰 HK$309 HK$278
      37 HK$303💰 HK$353💰💰💰 HK$337 HK$303💰
      38 HK$338 HK$391💰💰💰 HK$369 HK$330💰
      39 HK$373 HK$430💰💰💰 HK$400 HK$362💰
      40 HK$413 HK$473💰💰💰 HK$429 HK$398💰

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest, and the ones marked with 💰💰💰 are the most expensive.

      Males aged 41 to 50
      Bowtie Insurance Company A Insurance Company B Insurance Company C
      41 HK$231💰 HK$283 HK$266 HK$439💰💰💰
      42 HK$255💰 HK$306 HK$295 HK$486💰💰💰
      43 HK$291💰 HK$347 HK$325 HK$539💰💰💰
      44 HK$328💰 HK$388 HK$359 HK$598💰💰💰
      45 HK$367💰 HK$433 HK$394 HK$665💰💰💰
      46 HK$405💰 HK$438 HK$434 HK$742💰💰💰
      47 HK$442💰 HK$483 HK$476 HK$829💰💰💰
      48 HK$483💰 HK$533 HK$522 HK$925💰💰💰
      49 HK$524💰 HK$585 HK$570 HK$1,034💰💰💰
      50 HK$565💰 HK$639 ／ HK$1,148💰💰💰

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest, and the ones marked with 💰💰💰 are the most expensive.

      Females aged 41 to 50
      Bowtie Insurance Company A Insurance Company B Insurance Company C
      41 HK$451 HK$541💰💰💰 HK$456 HK$456
      42 HK$489 HK$590💰💰💰 HK$485 HK$486💰
      43 HK$519 HK$629💰💰💰 HK$509💰 HK$539
      44 HK$548 HK$670💰💰💰 HK$535💰 HK$598
      45 HK$596 HK$730💰💰💰 HK$563💰 HK$665
      46 HK$626 HK$841💰💰💰 HK$590💰 HK$742
      47 HK$656 HK$878💰💰💰 HK$620💰 HK$829
      48 HK$693 HK$918 HK$653💰 HK$925💰💰💰
      49 HK$730 HK$957 HK$682💰 HK$1,034💰💰💰
      50 HK$768 HK$995 / HK$1,148💰💰💰

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest, and the ones marked with 💰💰💰 are the most expensive.

      Males aged 51 to 60
      Bowtie Insurance Company A Insurance Company B Insurance Company C
      51 HK$620💰 HK$694 / HK$1,222💰💰💰
      52 HK$674💰 HK$750 / HK$1,297💰💰💰
      53 HK$731💰 HK$812 / HK$1,375💰💰💰
      54 HK$788💰 HK$876 / HK$1,459💰💰💰
      55 HK$860💰 HK$958 / HK$1,547💰💰💰
      56 HK$921💰 HK$1,028 / HK$1,642💰💰💰
      57 HK$981💰 HK$1,101 / HK$1,742💰💰💰
      58 HK$1,078💰 HK$1,217 / HK$1,851💰💰💰
      59 HK$1,174💰 HK$1,336 / HK$1,966💰💰💰
      60 HK$1,262💰 HK$1,450 / HK$2,090💰💰💰

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest, and the ones marked with 💰💰💰 are the most expensive.

      Females aged 51 to 60
      Bowtie Insurance Company A Insurance Company B Insurance Company C
      51 HK$805💰 HK$1,029 / HK$1,222💰💰💰
      52 HK$841💰 HK$1,061 / HK$1,297💰💰💰
      53 HK$869💰 HK$1,083 / HK$1,375💰💰💰
      54 HK$896💰 HK$1,105 / HK$1,459💰💰💰
      55 HK$925💰 HK$1,128 / HK$1,547💰💰💰
      56 HK$956💰 HK$1,152 / HK$1,642💰💰💰
      57 HK$991💰 HK$1,177 / HK$1,742💰💰💰
      58 HK$1,031💰 HK$1,213 / HK$1,851💰💰💰
      59 HK$1,070💰 HK$1,252 / HK$1,966💰💰💰
      60 HK$1,096💰 HK$1,259 / HK$2,090💰💰💰

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest, and the ones marked with 💰💰💰 are the most expensive.

      Comparison of Premiums for Pure Critical Illness Insurance with Multiple Compensation

      Males aged 18 to 30
      Bowtie Insurance Company A
      18 HK$65💰 HK$65💰
      19 HK$68💰 HK$71
      20 HK$71💰 HK$77
      21 HK$74💰 HK$84
      22 HK$77💰 HK$91
      23 HK$81💰 HK$98
      24 HK$85💰 HK$105
      25 HK$88💰 HK$117
      26 HK$93💰 HK$133
      27 HK$99💰 HK$142
      28 HK$106💰 HK$153
      29 HK$112💰 HK$163
      30 HK$118💰 HK$182

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest.

      Females aged 18 to 30
      Bowtie Insurance Company A
      18 HK$73💰 HK$134
      19 HK$76💰 HK$144
      20 HK$80💰 HK$155
      21 HK$83💰 HK$166
      22 HK$86💰 HK$178
      23 HK$92💰 HK$190
      24 HK$98💰 HK$204
      25 HK$104💰 HK$209
      26 HK$113💰 HK$214
      27 HK$123💰 HK$230
      28 HK$134💰 HK$248
      29 HK$146💰 HK$269
      30 HK$160💰 HK$280

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest.

      Males aged 31 to 40
      Bowtie Insurance Company A
      31 HK$131💰 HK$193
      32 HK$143💰 HK$204
      33 HK$158💰 HK$218
      34 HK$173💰 HK$233
      35 HK$187💰 HK$251
      36 HK$202💰 HK$272
      37 HK$217💰 HK$298
      38 HK$234💰 HK$327
      39 HK$252💰 HK$361
      40 HK$269💰 HK$401

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest.

      Females aged 31 to 40
      Bowtie Insurance Company A
      31 HK$184💰 HK$309
      32 HK$208💰 HK$341
      33 HK$239💰 HK$375
      34 HK$270💰 HK$414
      35 HK$303💰 HK$455
      36 HK$334💰 HK$499
      37 HK$366💰 HK$546
      38 HK$409💰 HK$596
      39 HK$452💰 HK$648
      40 HK$499💰 HK$703

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest.

      Males aged 41 to 50
      Bowtie Insurance Company A
      41 HK$300💰 HK$425
      42 HK$331💰 HK$469
      43 HK$379💰 HK$519
      44 HK$426💰 HK$574
      45 HK$477💰 HK$632
      46 HK$526💰 HK$638
      47 HK$575💰 HK$706
      48 HK$628💰 HK$779
      49 HK$681💰 HK$856
      50 HK$734💰 HK$939

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest.

      Females aged 41 to 50
      Bowtie Insurance Company A
      41 HK$546💰 HK$800
      42 HK$592💰 HK$869
      43 HK$627💰 HK$940
      44 HK$663💰 HK$1,012
      45 HK$721💰 HK$1,084
      46 HK$758💰 HK$1,259
      47 HK$794💰 HK$1,322
      48 HK$839💰 HK$1,380
      49 HK$883💰 HK$1,432
      50 HK$929💰 HK$1,477

      *Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      ^The ones marked with 💰 are the cheapest.

      Males aged 51 to 60
      Bowtie Insurance Company A
      51 HK$806💰 HK$1,027
      52 HK$877💰 HK$1,120
      53 HK$951💰 HK$1,219
      54 HK$1,025💰 HK$1,325
      55 HK$1,118💰 HK$1,438
      56 HK$1,197💰 ／*
      57 HK$1,276💰 ／*
      58 HK$1,401💰 ／*
      59 HK$1,526💰 ／*
      60 HK$1,641💰 ／*

      *Insurance Company A requires that the insured party must reduce their coverage amount to HK$500,000 starting from age 56.

      ^Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      #The ones marked with 💰 are the cheapest.

      Females aged 51 to 60
      Bowtie Insurance Company A
      51 HK$974💰 HK$1,515
      52 HK$1,081💰 HK$1,547
      53 HK$1,052💰 HK$1,576
      54 HK$1,085💰 HK$1,603
      55 HK$1,119💰 HK$1,631
      56 HK$1,157💰 ／*
      57 HK$1,199💰 ／*
      58 HK$1,248💰 ／*
      59 HK$1,295💰 ／*
      60 HK$1,326💰 ／*

      *Insurance Company A requires that the insured party must reduce their coverage amount to HK$500,000 starting from age 56.

      ^Assuming the policyholder is a non-smoker and the critical illness coverage is HK$1 million.

      #The ones marked with 💰 are the cheapest.

      Factors Affecting Premiums of Critical Illness Insurance

      In addition to age, critical illness insurance premiums are also influenced by multiple factors such as coverage amount, scope of coverage, and payment method.

      If you are interested in understanding how insurance companies determine premiums, you can click here to read about the seven factors that affect critical illness insurance premiums in detail.

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      The Bowtie Life Insurance Company Limited is an authorized life insurance company and Hong Kong’s very first virtual insurer approved. Through the use of modern technology and medical expertise, Bowtie offers an agent-free, commission-free and more convenient online platform for customers to quote, apply and claim for Voluntary Health Insurance Scheme (VHIS) anytime anywhere. Bowtie is ranked first in the direct channel sales throughout 2021.

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      The content of this article is provided by Bowtie Team and serves for reference only. It does not represent Bowtie's position. Bowtie assumes no responsibility for any loss or damage incurred by any person as a result of using, misusing, or relying on any information or content herein. Any content related to Bowtie products in this article is for reference and educational purposes only. Customers should refer to the detailed terms and conditions on the relevant product web pages.
      Next article - Factors Affecting Critical Illness Insurance Premiums
      What are the factors that affect critical illness insurance premiums? Bowtie has summarized the seven main reasons for you!
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