InfiniCare: Unlimited number of claims

Enjoy 30% off first year premium now!

Critical Illness Insurance InfiniCare offers an unlimited total number of claims(note 1) and covers 98% of critical illness cases(note 2)!

Enrol before 31 May 2022 and get 30% off first year premium!

Product Features

Unlimited total no. of claimsNote1

Our InfiniCare allows any type of covered critical illness to be claimed once during the policy period. Compared with products that generally have more rigid claim limits, our coverage is more suitable for customers who are worried about various major diseases.

98% of critical illness cases coveredNote2

Worried that you might be sick in the future? Our policy protects you up to a total of 62 critical illnesses including 7 major ones in Hong Kong – we’ve got you covered!

No survival period

We will stand by you through thick and thin, and we mean it. Survival period is not required for our protection (except for Terminal Illness), so even if the insured passes away unfortunately, compensation will still be offered.

Why do you need Critical Illness Insurance?

Hong Kong people lead a hectic work life, and the stress they are burdened with places them at much higher risk of severe illnesses. For the sake of yourself and your loved ones, a comprehensive critical illness protection is vital for everyone.

Our insurance covers up to 62 illnesses, providing you with the most comprehensive protection.

Cancer

Any diagnosed malignant tumors, for example:

Colorectal cancer

Lung cancer

Breast cancer

Liver cancer

Leukemia

The actual coverage varies by plans.

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Critical illness insurance premiums are affected by age, gender, saving components, and smoking habits, while OneDegree critical illness insurance has no savings component, and has lower premiums.

Relationship to the Proposed Insured

Myself

Date of Birth (DD/MM/YYYY)

Gender

Female

Smoking Habit

Smoker

Sum Assured (HKD)

1,000,000

HKD 100,000

HKD 3,000,000

Core

Boost

Infinity

Sum Assured (HKD)

Critical Illness Benefit

Covers the most common Critical Illnesses

One-off payment

HKD 0

Early-stage Critical Illness Benefit

Receive support promptly

One-off advance payment

HKD 0

Multi-pay Benefit

A maximum of one claim can be made for each Critical Illness

Per claim amount

HKD 0

From

HKD

/mo

7 illnesses

From

HKD

/mo

62 illnesses

3 Early stage illnesses

Popular

From

HKD

/mo

62 illnesses

3 Early stage illnesses

All undiagnosed covered medical conditions (except for Terminal Illness and Loss of Independence Existence)

Check out our brochure or premium table

How do our benefits work?

Early-stage Critical Illness Benefit

Multi-pay Benefit

A benefit for Boost and Infinity specially!

Check out how it works

Age

01 DEC 2021

Apple enrolled in our Critical Illness Insurance Boost at the age of 33, the sum assured: HKD2,000,000.

01 MAR 2022

The 90-day waiting period ends and the protection is officially in effect.

Age

Diagnosed with early stage critical illness

1 JUL 2022

Apple was unfortunately diagnosed with carcinoma-in-situ, and received HKD 300,000 (20% of the Sum Assured or a maximum of HKD 300,000) after submitting the relevant proof of her claim.

1 DEC 2022

Apple decided to renew the insurance to protect herself from the risk of other critical illnesses. The protection can last up to the age of 85.

Age

1 MAY 2025

Apple suffered a stroke at the age of 37 and received a compensation of HKD 1.7 million (remaining Sum Assured) after submitting the application. Since all Sum Assured have been fully compensated, the policy will automatically terminate after compensation.

Please note that Early-stage Critical Illness Benefit and Critical Illness Benefit share the same payout limit since Early-stage Critical is an advance payment of Major Critical Illness. The total settlement is 100% of the Sum Assured.

View how Multi-pay Benefit works

Which plan suits me best?

Focus on Main Risks

Core fits you best, as it covers the 7 most common critical illnesses including cancer, coronary artery bypass graft, heart disease, other serious coronary artery disease, stroke, benign brain tumor, and kidney failure.

Comprehensive Coverage

We recommend Boost. In addition to the 7 most common critical illnesses, it also covers 55 critical illnesses, plus 3 early-stage critical illnesses including carcinoma-in-situ, early thyroid cancer or prostate cancer, and coronary angioplasty.

Continuous Protection

Infinity provides all the protections of the Boost Plan, along with Hong Kong's first-in-market multiple claims feature. Every time a new critical illness is diagnosed, you can receive 80% of the Sum Assured.

What’s not covered?

Pre-existing conditions

Conditions diagnosed after death

Conditions with signs or symptoms first occurred before or within the waiting period

Conditions caused by self-inflicted injuries, use of unprescribed narcotics, or alcohol or drug abuse

For the complete list of exclusions, please refer to the sample policy wording.

InfiniCare vs. Others

InfiniCare

Common Term

Common Lifelong

Number of claims

Savings

Premium

Survival Period

One time / Unlimited times

A maximum of one claim can be made for each Critical Illness

None

Low

None (Except Terminal Illness)

Usually one time

End of policy after claiming any covered critical illness

None

Low

Usually 7 to 14 days

One time / Multiple times

Some are eligible for multiple claims

Yes

High

Usually 7 to 14 days

The market is dominated by lifelong critical illness policies with a savings component not because the coverage is more comprehensive, but because the premiums are more expensive and the intermediaries get higher commissions for selling savings-based critical illness policies.

OneDegree Critical Illness Insurance has no savings component, and the premiums are all used for protection. Since we are a virtual insurer, the cost of brokerage is directly returned to the customer, making the premium more cost-effective. The mainstream insurance policies in the market are not necessarily the best. Shop smart, compare the coverage and premiums in detail.

How our claims process works

Submit your claim within 6 months after diagnosis.

Get all related documents ready

Complete claim forms for claimant and doctor, and prepare supporting medical documents as well.

Send your claim forms and documents to us

You can file a claim by email or post. We will inform you the result via email.

Receive the settlement

We will make a deposit directly into the bank account you provided for any successful claims.

Why OneDegree?

At your fingertips

Get a quote and stay protected easily with your laptop or mobile phone anytime, anywhere.

We don’t make you wait

There is no middleman between you and us, which means we can address your concerns directly and swiftly.

Simple, in a good way

Our plans are simple and concise, and offers you all the protection you need.

FAQ

Note

Only applicable to the Infinity Plan: There will be a waiting period of one year for each new type of Critical Illness after the first Critical Illness claim is made, and there is no limit to the total number of claims while the policy is in force, except that only a maximum of one claim can be made for each type of Critical Illness. Terminal Illness and Loss of Independent Existence apply to the first claim only; subject to other terms and conditions, please refer to the policy details.

The 62 critical illnesses covered by the Boost and Infinity Plan of OneDegree InfiniCare Critical Illness Insurance cover 98% of the specified critical illnesses under the 10Life Term Critical Illness Insurance scoring method.

Terms and Conditions

This promotion is valid from now until 31 May 2022 ("Promotion Period"). 

To enjoy the 30% premium discount on InfiniCare Critical Illness Insurance (“Offer”), underwritten by OneDegree Hong Kong Limited ("OneDegree"), policy purchase must be made via visiting the designated link or entering “MAY30” as the promo code on the plan selection page. Any failure in doing so will result in a loss of discount and no refunds shall be arranged afterwards. 

OneDegree’s system will automatically apply the Offer to applicable plans and payment mode, and display it on the website. 

The discounted premium will be rounded to the nearest whole number during quotation for display purposes. The actual premium payable will be shown at checkout and shall be the final amount. 

The Offer is only applicable to premiums for the first year of a policy.

The Offer cannot be used in conjunction with any other promotional offer. 

For details of coverage, terms, conditions, and exclusions of InfiniCare, please refer to the policy wordings. 

All matters or disputes in relation to the promotion and the interpretation of terms and conditions shall be subject to the decision of OneDegree, which shall be final and binding. 

In case of any discrepancy between the English and Chinese versions, the English version shall prevail. 