Individual
Business
Blue Cross Employee Critical Illness Care Plan
Our Plans
Plan B - 10 Critical Illnesses
As low as
HK$
21
/month1
per employee
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3 key critical illnesses: Cancer, Heart Attack, Stroke
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7 other critical illnesses
Plan Highlights
Take an extra step for your employees' health. Blue Cross Employee Critical Illness Care Plan supports employees diagnosed with critical illnesses, helping them focus on recovery.
The plan also offers different sum insured options to fit your business needs.
3 Plan Level Options
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Cover up to 53 critical illnesses, including 3 key critical illnesses (i.e. cancer, heart attack and stroke), plus 50 others
100% Payout for Covered Critical Illnesses
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As 100% of sum insured will be paid at one
go upon diagnosis of an insured critical illness or performance of an insured surgery, your employees can utilise this benefit to shoulder their financial burden of medical bills, living expenses and more
Easy Enrolment
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Suitable for companies with minimum 10 full-time employees
Flexible for Business Needs
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4 sum insured options, up to HK$500,000
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Up to 4 employee classes for employers to assign different sums insured to each class, and to decide the type of employees for each class
Plan Summary
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Product TypeLump sum payment
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Period of Cover1 year
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Enrolment AgeAge 16 - 64
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EligibilityApplicable to companies with a minimum of 10 full-time employees2
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Sum InsuredHK$500,000/ HK$300,000/ HK$200,000/ HK$100,000
The insured employee will receive a lump sum of 100% of sum insured upon diagnosis of an insured critical illness or performance of an insured surgery3 -
Cover AreaWorldwide
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Waiting Period45 days
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Survival Period of Insured Critical Illness14 days
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Policy RenewalAnnual renewal up to age 69 of the insured employee
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Premium Payment ModeAnnual
Full Benefit Schedule
Blue Cross HK App
HR Portal (Super Care)
One-stop insurance services for employees
One-stop insurance services for employees
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e-Medical Card
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Search Network Doctors
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Claims Submission
View More
See Doctor
Document Download
Product Leaflet
Terms & Conditions
Application Form
FAQs
Can employer elect different plan level to different classifications of employees?
No. This plan offers 3 plan levels (based on different covered critical illnesses), but the whole group can only enrol in one plan level.
Yes. This plan offers 4 sum insured options to choose from – HK$100,000, HK$200,000, HK$300,000 and HK$500,000. Employers can define their employees into a maximum of 4 different classes during enrolment, but all employees within the same class must enrol in the same sum insured.
Carcinoma in Situ does not meet the definition of a Cancer under this plan. For the purpose of “Cancer” definition, shall means
(a) any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue; or
(b) any occurrence of histologically confirmed leukemia, lymphoma or sarcoma.
Irrespective of the above, for the purpose of the definition of “Critical Illness”, Cancer does not include any of the following:
i) any cancer which is histologically classified as pre-malignant, non-invasive, or carcinoma in situ, or as having either borderline malignancy or low malignant potential;
ii) any tumour of the thyroid histologically classified as T1N0M0 or a lower stage according to the TNM classification system;
iii) any tumour of the prostate histologically classified as T1a or T1b or T1c or a lower stage according to the TNM classification system;
iv) chronic lymphocytic leukemia classified as less than RAI Stage III;
v) any cancer where HIV Infection is also present; and
vi) any skin cancer, other than malignant melanoma.
Please refer to the Policy Terms and Conditions for the definition of covered critical illnesses.
As Angioplasty is an early-stage critical illness, this plan does not provide critical illness coverage for such illness.
For the purpose of “Coronary Artery Surgery” definition, shall means the undergoing of open-chest surgery to correct narrowing or blockage of one (1) or more coronary arteries with by-pass grafts in persons with limiting anginal symptoms but excluding non-surgical techniques such as angioplasty and all other intra-arterial, catheter-based techniques, keyhole or laser procedures.
Please refer to the Policy Terms and Conditions for the definition of covered critical illnesses.
If the insured employee has a “Pre-existing Conditions” which has been diagnosed or recurred critical illness prior to (i) the Insured Effective Date or (ii) the Plan Level Effective Date, whichever is later, and in accordance with the definition of “Pre-existing Conditions” and the other terms and conditions of the Policy, critical illness benefit shall not be payable in respect of such critical illness. However, the critical illness benefit will be paid for the covered critical illness if the insured employee suffers from a covered illness that occurs after (i) the Insured Effective Date or (ii) the Plan Level Effective Date, whichever is later.
Example: An employer enrols Plan A in a policy under the Blue Cross Employee Critical Illness Care Plan
If employee A is diagnosed with Systemic Lupus Erythematosus (SLE) with Lupus Nephritis prior to the Insured Effective Date, it is considered as a “pre-existing conditions” and not payable. After the Plan Level Effective Date, employee A is diagnosed with a heart attack, and if it is determined that the heart attack is not due to Systemic Lupus Erythematosus with Lupus Nephritis after assessment, the heart attack is considered to be a new critical illness and such critical illness is covered under the policy, Blue Cross will provide a Critical Illness Benefit in lump sum payment to employee A.
Please refer to the Terms and Conditions for the definition of pre-existing conditions and covered critical illnesses.
Who is eligible to apply for Blue Cross Employee Critical Illness Care Plan?
Corporate clients who fulfil the following requirements:
Insured includes
- Corporate entity with Hong Kong Business Registration Certificate; and
- Corporate entity with 10 or more full-time employees
Insured includes
- Full-time and permanent employees who are in Active Service^; and
- Issue age is age 16 to 64 years old*, maximum coverage age is age 69*
No. This plan provides critical illness coverage for full-time employees only.
For the company with number of full-time insured employee below 50 on the first day of each policy year, declaration of health is required if the insured employee* who apply for a sum insured of HK$500,000. Please refer to the below table for the detailed underwriting arrangement:
| Number of Insured Employees on the first day of Each Policy Year | Sum Insured (HK$) | |||
|---|---|---|---|---|
| 100,000 | 200,000 | 300,000 | 500,000 | |
| 10-49 | GIL | DOH | ||
| 50 or above | GIL | |||
“GIL” shall mean guaranteed issue limit; “DOH” shall mean declaration of health
*For employees with a sum insured of HK$500,000 who have made a health declaration at policy application, health declaration is no longer required in subsequent policy years.
Note: annual declaration of health is required for the Insured aged 65-69 upon renewal.
The proposed insured will be required to provide supplementary health information and the application will be considered on a case-by-case basis, which premium loading may require, or the employer may consider a lower sum insured (i.e., HK$300,000) for such proposed insured. However, the above underwriting arrangement is only applicable to the proposed insured aged below 64 years old who apply higher than the guaranteed issue limit.
This plan only provides a single claim for coverage of critical illnesses. Critical Illness benefit will be paid in lump sum upon the diagnosis of a covered critical illness. Once 100% of the sum insured is paid in respect of the employee, the benefits under the policy for such employee shall be terminated forthwith.
Change of Sum Insured: re-counting of the waiting period is not required upon change of employee’s classification. However, the declaration of health is required for such an em
For an upgrade of plan level which implies upgraded coverage as well as additional critical illnesses, therefore the 45 days waiting period will be applied again after upgrades, i.e. no benefit will be payable for the diagnosis of additional covered critical illnesses or the performance of surgery (if applicable) within 45 days following the effective date of the new plan level.
Both episodes of the heart attack will not be covered.
➢ For the 1st episode, the employee is covered under Plan C which covers cancer only, and critical illness benefit shall not be payable
➢ For the 2nd episode, the employee was diagnosed with heart attack prior to the effective date of the new plan level (plan A), it is considered a pre-existing conditions and critical illness benefit shall not be payable.
The change in sum insured will take effect upon the receipt of the written notification of the change in class of employee submitted by the policyholder and subject to Blue Cross approval.
Only corporate clients with 10 or more full-time employees are eligible for coverage under Blue Cross Employee Critical Illness Care Plan. That said, we may have discretionary arrangements in case of corporate clients who fall short of 10 full-time employees temporarily due to staff movement during period of insurance. The policy will be terminated upon renewal if the total number of insured on the renewal date is less than 10.
No. For this group critical illness product, we consider the loss ratio of and other risk factors affecting all clients as a pool when we adjust the premium. However, the premium for a particular corporate client may be adjusted because of the aging of particular insured employee.
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Remarks
- Calculated based on the premium of a 35-39 year old male, non-Blue Cross group medical insurance member, with HK$100,000 sum insured, for Plans A/B/C respectively.
- The policy will be issued on a named basis.
- Subject to the scope of the plan level selected for the policy, an insured surgery refers to coronary artery surgery, heart valve replacement and repair, major organ transplant, surgery to aorta, or angioplasty and other invasive treatments for coronary artery disease.
Notes:
- The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions.
- Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
- The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.
