Yes, you can claim another insurer for the same critical illnesses.

Can I claim another insurer for the same critical illnesses?

You can claim another insurer for the same critical illnesses.

A claim must be submitted to us within six months of the diagnosis of critical illness or early-stage critical illness, or performance of critical illness surgery or early-stage critical illness surgery.

When should I submit a claim for the InfiniCare policy? Any time limit for claim submission?

We offer three plan types: Core, Boost, and Infinity. InfiniCare covers up to 62 critical illnesses, 7 of which are illnesses that are common in Hong Kong, such as cancer, coronary artery by-pass grafting, heart attack, other serious coronary artery disease, stroke, benign brain tumor, and kidney failure. 3 early-stage critical illnesses are also covered including carcinoma-in-situ, early-stage thyroid or prostate cancer angioplasty or endarterectomy for carotid arteries, and 55 other critical illnesses protection. Please click here for details of each plan type.

What benefits are covered?

The policy will be issued immediately after the insurance application. The policy plan type cannot be changed after the policy is issued and each Insured Person can only possess one InfiniCare policy.

Customers may cancel their existing policies on OneDegree online portal within’ 30 days of policy’s issue date and re-apply for the policy with a preferred plan type. The policy can also be cancelled after 30 days of the policy’s effective date and the premium would be refunded according to the terms.

Please note that the waiting period will be recalculated upon the issue of the new policy.

Can I change the plan type after the InfiniCare policy is issued? Can I purchase more than one InfiniCare policy?

The policy will be issued immediately after the insurance application. The policy plan type cannot be changed after the policy is issued and each Insured Person can only possess one InfiniCare policy.

Customers may cancel their existing policies on OneDegree online portal within’ 30 days of policy’s issue date and re-apply for the policy with a preferred plan type. The policy can also be cancelled after 30 days of the policy’s effective date and the premium would be refunded according to the terms.

Please note that the waiting period will be recalculated upon the issue of the new policy.

The maximum Sum Assured varies according to policy’s initial application age and plan level:

Age 18 - 45: 3,000,000
Age 46 - 55: 2,000,000
Age 56 - 60: 1,000,000
Age 61 - 65: 500,000

Age 18 - 45: 1,000,000
Age 46 - 55: 1,000,000
Age 56 - 60: 500,000
Age 61 - 65: 500,000

Is there any limitation for the Sum Assured of InfiniCare policy?

Initial application age for all 3 plans of InfiniCare are consistent, while the maximum renewal age varies according to the policy’s plan.

Initial Application Age: 18 - 65
Maximum Renewal Age: 85

Initial Application Age: 18 - 65
Maximum Renewal Age: 65

If you have purchased a policy, please refer to the Policy Schedule for details. 

Are there any age limitations for the application and renewal of InfiniCare?

Initial application age for all 3 plans of InfiniCare are consistent, while the maximum renewal age varies according to the policy’s plan.  

A 90-day waiting period will apply for the policy. Critical illnesses with symptoms that appear after the waiting period will be covered by the policy. For the Infinity Plan, there will be a 12-month waiting period for the Multi-pay Benefit. The latest diagnosis date or the surgical operation date of a critical illness should be at least 12 months apart from the previous ones.

Is there a waiting period for the InfiniCare policy?

Since Critical Illness Insurance does not reimburse the Insured Person for one’s actual expenses, the Insured Person can decide to purchase more than one Critical Illness Insurance based on one’s needs and affordability. Please be noted that each Insured Person can only possess one InfiniCare policy.

Can I hold more than one Critical Illness Insurance?

Critical Illness Insurance and Medical Insurance are different in terms of coverage and functionality, the Insured Person can therefore possess Critical Illness Insurance and Medical Insurance at the same time.

Medical Insurance normally covers the medical costs of the Insured Person during hospitalization, which is subjected to the actual medical expenses only. Medical Insurance is not able to cover the risk of losing your job and the cost of living before your recovery. 

Critical Illness Insurance aims at providing a one-off cash benefit to the Insured Person if they are diagnosed with critical illnesses such as cancer, heart attack, stroke etc., The idea of critical illness insurance is to protect the Insured Person's original income that is affected during the period of illness.

Do I still need Critical Illness Insurance if I already have Medical Insurance?

Critical Illness Insurance and Medical Insurance are different in terms of coverage and functionality, the Insured Person can therefore possess Critical Illness Insurance and Medical Insurance at the same time.

Medical Insurance normally covers the medical costs of the Insured Person during hospitalization, which is subjected to the actual medical expenses only. Medical Insurance is not able to cover the risk of losing your job and the cost of living before your recovery. 

Critical Illness Insurance aims at providing a one-off cash benefit to the Insured Person if they are diagnosed with critical illnesses such as cancer, heart attack, stroke etc., The idea of critical illness insurance is to protect the Insured Person's original income that is affected during the period of illness.

It normally takes time for individuals to recover after being diagnosed with a critical illness, hence increasing the risk of giving up one’s career and income. Although medical costs can be covered by Medical Insurance, the loss of income cannot be reimbursed by which. If the Insured Person is diagnosed with critical illness that is listed in the policy, a one-off cash benefit will be paid to the Insured Person for subsidizing their expenses.

Why do I need Critical Illness Insurance?

Survival period is common among Critical Illness insurances to ensure the Insured Person to survive for a specific period (usually 7 to 30 days) of time after the first diagnosis date of a critical illness in order to be entitled to claim. 

For InfiniCare, there’s a 14-day Survival Period for Terminal Illness. There is no survival period required for other Critical Illness listed in InfiniCare’s Policy as long as the Insured Person is confirmed to be diagnosed with the covered critical illness before passing away.

Is there a "survival period" in InfiniCare policy? How does it affect me?

Survival period is common among Critical Illness insurances to ensure the Insured Person to survive for a specific period (usually 7 to 30 days) of time after the first diagnosis date of a critical illness in order to be entitled to claim.
 
For InfiniCare, there’s a 14-day Survival Period for Terminal Illness. There is no survival period required for other Critical Illness listed in InfiniCare’s Policy as long as the Insured Person is confirmed to be diagnosed with the covered critical illness before passing away.

Carcinoma –in-situ, as known as “0 stage cancer”, is the earliest stage of  cancer. In this stage, the malignant is restricted to a spot and border of which with normal tissues nearby is significant where cancer cells have not yet penetrated the basement membrane or invaded (in the sense of infiltrating and / or actively destroying) the surrounding tissues or stroma. Carcinoma-in-situ must be confirmed by a biopsy. For definition of which, please refer to our Policy Wordings.

An Early-stage Malignancy is any condition stated below:

(a) Tumor of the thyroid histologically classified as T1N0M0 according to

(b) Tumor of the prostate histologically classified as T1a or T1b according

(c) Chronic lymphocytic leukemia classified as RAI Stage I or II; or

Definitions according to InfiniCare’s Policy

A histologically proven, localized pre-invasion lesion where cancer cells have not yet

penetrated the basement membrane or invaded (in the sense of infiltrating and / or

actively destroying) the surrounding tissues or stroma. Cervical intraepithelial

neoplasia grade III (CIN III) and prostatic intraepithelial neoplasia grade III (PIN III) are

For the avoidance of doubt, Carcinoma-in-situ does not include any of the following:

(a) Cervical intraepithelial neoplasia grade II (CIN II) or below; and

(b) Prostatic intraepithelial neoplasia grade II (PIN II) or below; and

For purposes of this Policy, Carcinoma-in-situ must be confirmed by a biopsy.

The presence of one of the following malignant conditions:

The diagnosis must be based on histopathological features and confirmed by a Registered Medical Practitioner. Pre-malignant lesions and conditions, unless listed above, are excluded.

How does InfiniCare define Carcinoma-in-situ and Early-stage Malignancy?

Carcinoma –in-situ, as known as “0 stage cancer”, is the earliest stage of  cancer. In this stage, the malignant is restricted to a spot and border of which with normal tissues nearby is significant where cancer cells have not yet penetrated the basement membrane or invaded (in the sense of infiltrating and / or actively destroying) the surrounding tissues or stroma. Carcinoma-in-situ must be confirmed by a biopsy. For definition of which, please refer to our Policy Wordings.
An Early-stage Malignancy is any condition stated below:
(a) Tumor of the thyroid histologically classified as T1N0M0 according to
the TNM classification;
(b) Tumor of the prostate histologically classified as T1a or T1b according
to the TNM classification system;
(c) Chronic lymphocytic leukemia classified as RAI Stage I or II; or
(d) Non-melanoma skin cancer

Definitions according to InfiniCare’s Policy
1.	Carcinoma-in-situ 
A histologically proven, localized pre-invasion lesion where cancer cells have not yet
penetrated the basement membrane or invaded (in the sense of infiltrating and / or
actively destroying) the surrounding tissues or stroma. Cervical intraepithelial
neoplasia grade III (CIN III) and prostatic intraepithelial neoplasia grade III (PIN III) are
also included.
For the avoidance of doubt, Carcinoma-in-situ does not include any of the following:
(a) Cervical intraepithelial neoplasia grade II (CIN II) or below; and
(b) Prostatic intraepithelial neoplasia grade II (PIN II) or below; and
(c) Skin Carcinoma-in-situ.
For purposes of this Policy, Carcinoma-in-situ must be confirmed by a biopsy.

2.	Early-stage Malignancy
The presence of one of the following malignant conditions:
(a) Tumor of the thyroid histologically classified as T1N0M0 according to
the TNM classification.
(b) Tumor of the prostate histologically classified as T1a or T1b according
to the TNM classification system.
(c) Chronic lymphocytic leukemia classified as RAI Stage I or II; or
(d) Non-melanoma skin cancer.
The diagnosis must be based on histopathological features and confirmed by a Registered Medical Practitioner. Pre-malignant lesions and conditions, unless listed above, are excluded.

No. The Policy Wordings of InfiniCare specifies every benefit of all three plans (including Core, Boost and Infinity Plan). However, the Policyholder and/or the Insured Person should read the document together with the Policy Schedule to acknowledge the precise coverage for the Insured Person. The Policy Schedule will have precedence of the Insurance coverage.

Do all coverage terms listed in the InfiniCare’s policy equal the coverage of my policy? Are all the benefits in the policy covered by my plan?

Unfortunately, InfiniCare does not accept applications for individuals with cancer-related medical history.

I’ve been diagnosed with breast cancer and am cured after surgery and treatments. Can I apply for the InfiniCare?

The insurance applicants only need to answer a few questions relating to their own health conditions, bodycheck reports are not required.

Any document required for the InfiniCare policy application? Do I need a bodycheck report?

We understand you’re facing technical issues when using OneDegree website. 

First, please try to using Google Chrome - Incognito browser to perform the same action when you get the error message. If the issue persists, please share the following details with us for case investigation, it will enable us detecting and tackling the problem efficiently:

1. Screen capture of the full page showing the action or click before you get the error message, and the screen capture of the full page when the error messages appear

2. Device currently in use(desktop / mobile / laptop / tablet, etc)

4. The Operating System of your device(Windows / macOS / iOS / Android / Linux, etc)

To check on the exact version of your browser in current use, you may simply visit https://www.whatismybrowser.com . 

And, please approach us by diverse channels (https://www.onedegree.hk/en-us/contact-us) at your convenience. 

What do I need to provide for reporting a technical issue?

Pet, Critical Illness and Home* policy holders can handily access to their online OneDegree account both by computer and mobile browsers (such as, Google Chrome/Edge/Safari, etc); whilst, online account management is not yet extended to other insurance products. Policy holders can simply login at www.onedegree.hk by inputting their registered email address and with One Time Password (OTP).

* Home policyholders who purchase their policies on or after 22 December 2022.

If you face problem to login your account, please check if:

OTP will be sent while Microsoft on behalf of OneDegree Hong Kong Limited <msonlineservicesteam@microsoftonline.com>, and the code will be valid for 5 minutes only. If you have not entered the OTP in time, you would need to request a new OTP again. At the same time, if you repeatedly request a OTP, the previously requested password will become invalid after a repeat request.

If you are using Google Chrome browser, please check if you have already allowed cookies and have not pre-set us (www.onedegree.hk) as one of your unaccepting websites in “Setting” page. Please be aware: 

o        Block third-party cookies 

o        Block all cookies (not recommended) 

o        our website (www.onedegree.hk) in “Sites that can never use cookies”

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You may also try if able to access through Incognito Window (below image as reference).

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In case, you have already gone through all our above suggestions and the problem persists, please refer to our guide at What do I need to provide for reporting a technical issue? . Then, contact with us with the necessary details sharing, we will be best to assist accordingly. 

You may contact us through diverse channels (https://www.onedegree.hk/en-us/contact-us ).

Why am I not able to login my OneDegree account?

The idea of Critical Illness Insurance is to protect the Insured Person's original income that is affected during the period of illness.

Therefore, it is recommended that you use two to three times your annual income as the total Sum Assured, which can cover your living expenses during the illness.

However, if you do not have other medical protection, you can also consider a larger Sum Assured according to your personal needs to cope with the additional medical expenses.

How may I decide the Sum Assured for Critical Illness Insurance?

The idea of Critical Illness Insurance is to protect the Insured Person's original income that is affected during the period of illness.

Therefore, it is recommended that you use two to three times your annual income as the total Sum Assured, which can cover your living expenses during the illness.

However, if you do not have other medical protection, you can also consider a larger Sum Assured according to your personal needs to cope with the additional medical expenses.

If the Insured Person suffers a relapse of a critical illness that was once diagnosed, regardless of whether the symptom has appeared or diagnosed before the insurance application, and during the waiting period or claim has been made for the critical illness, it will be listed as one of the exclusions for the policy and no claim can be made.

If the critical illness relapses, can I still file a claim for InfiniCare policy?

“Event” means either (1) an accident causing bodily injury or (2) an illness that results in more than one claimable critical illness, early-stage critical illness, critical illness surgery, or early-stage critical illness surgery with the Date of Diagnosis or Date of Surgery of such claimable critical illness, early-stage critical illness, critical illness surgery, or early-stage critical illness surgery being the same.

How does the InfiniCare defines “same Event”?

If the policy is cancelled within 30 days from the purchase date from the website, the paid premium will be fully refunded. 

If the policy is cancelled from the 31st day of after, the premium refund amount will be subjected to the cancellation terms & conditions.

Can I cancel the InfiniCare policy any time after the purchase?

If the policy is cancelled within 30 days from the purchase date from the website, the paid premium will be fully refunded. 
If the policy is cancelled from the 31st day of after, the premium refund amount will be subjected to the cancellation terms & conditions.

We currently accept monthly and annual payment only.

Besides monthly and annual payment. Are there any options for the payment cycles?

You can only change the payment cycle during the renewal period. The new payment cycle will be applied when the policy is renewed.

I have chosen to pay the premium monthly, can I change it to annual payment mid-policy year?

You can apply for the cancellation of the policy through the OneDegree website. The cancellation request will be effective for the conditions listed below:

a.       If it is a monthly-paid policy, the policy will be cancelled on the next premium due date. 

b.       If it is an annually-paid policy, the policy will be cancelled on the next date of cancellation request date. The calculation of the refund premium will be subjected to the table below: 

Can I be refunded if I cancel the InfiniCare policy?

You can apply for the cancellation of policy through the OneDegree website. The cancellation request will be effective for the conditions listed below:
a.	If it is a monthly-paid policy, the policy will be cancelled on the next premium due date. 
b.	If it is a annually-paid policy, the policy will be cancelled on the next date of cancellation request date. The calculation of the refund premium will be subjected to the table below:

In general, according to the provision, we will pay the benefit to the Policyholder. 

However, if the Policyholder passes away during the Insured Person's lifetime or claim assessment, while the Insured Person is still alive, the Insured Person will become the new Policyholder of the Policy, and the relevant benefits will be paid to the new Policyholder. 

I applied for the InfiniCare policy for my family member, who will receive the reimbursement?

Only the Policyholder will receive the settlement.

If the Policyholder and the Insured Person are the same person, and if he/she passes away when we pay the benefit, the benefit will be transferred to his/her estate. 

If the Policyholder and the Insured Person are NOT the same person, and if the Policyholder passes away during the Insured Person's lifetime or claim assessment, while the Insured Person is still alive, the Insured Person will become the new Policyholder of the Policy, and the relevant benefits will be paid to the new Policyholder.   

How would the claim be handled if the Policyholder passed away after a claim has been submitted?

If the Policyholder is the Insured Person and passes away during the claim assessment, the benefit will go to the Policyholder’s estate after the claims has been approved.
If the Policyholder is not the Insured Person, and the Policyholder passes away during the claim assessment, the Insured Person will benefit after the claim has been approved, and vice versa.

You can submit 1) medical report and patient information application form and 2) OneDegree Critical Illness Claim Form to the related hospital department. During the claim application on our online portal, we will also ask you to provide the information of the doctor that you’ve consulted so that we can follow up with the claim.

I have my revisit at public hospitals, but there are neither any attending doctors nor any medical reports provided to me, how should I proceed?

First, 2 claim forms are required to be filled in:

1.       Claim Form 1 which is completed by the insured / claimant

2.       The other form which is completed by doctor based on the insured’s condition:

– Cancer/Early Stage Malignancy/Carcinoma-in-situ

On the other hand, the following documents and information are required:

1.       Copy of insured person’s HKID

2.       Copy of claimant’s HKID (if the claim is not filled by policyholder)

3.       Copy of supporting medical reports depending on the illness type:


Cancer/Early Stage Malignancy/Carcinoma-in-situ

-          Histopathological report

-          Positron emission tomography (PET) scan

-          Other imaging/scanning reports

-          Hospital discharge report

-          Electrocardiogram (ECG)

-          Percutaneous coronary intervention (PCI) report

-          Computerized tomography (CT) scan

-          Magnetic resonance imaging (MRI) reports

-          All diagnostic imaging reports: X-ray, Ultrasound, CT, MRI

For the sake of a smooth claiming process, policyholder is required to upload the following documents by logging in to OneDegree online system:

2.       Policyholder’s bank proof

You may also follow the instructions shown in the pictures below to log in to the online system with your OneDegree account to view the claim procedure and download the claim forms for InfiniCare:

What information do I need to submit while I file a claim for my InfiniCare Policy?

First, 2 claim forms are required to be filled in:  Claim Form 1 which is completed by insured / claimant
 and the other form which is completed by doctor based on the insured’s condition

We will deposit payable benefit to the Policyholder’s bank account provided on the claim application form.

What are the options of receiving the benefit?

We regret that the policy is not able to be reinstated. After the policy lapsed, customers can re-apply for the policy via our website; however, the waiting period will be recalculated.

The policy is lapsed due to insufficient premium. Can the policy be reinstated?

There is no geographical limitation on claiming InfiniCare policy as long as the Policyholder and the Insured Person are in Hong Kong at the time of the insurance application. Claims can be accepted regardless of whether the Policyholder and the Insured Person emigrated to foreign countries and diagnosed with a critical illness that is listed in InfiniCare’s policy, as long as sufficient medical documents can be provided.

If I emigrate to foreign countries, or am diagnosed with a critical illness that is listed in the InfiniCare’s policy, can I still get covered?

There is no geographical limitation on claiming InfiniCare policy as long as the Policyholder and the Insured Person are in Hong Kong at the time of the insurance application. Claims can be accepted regardless of whether the Policyholder and the Insured Person emigrated to foreign countries and  diagnosed with a critical illness that is listed in InfiniCare’s policy, as long as sufficient medical documents can be provided.

Unfortunately, we do not accept the changing of smokers’ status.

I declared myself a smoker during the InfiniCare policy application, can I change the status after I’ve quit smoking? Will the premium adjust accordingly?

Critical Illness Insurance

Get answers fast on our FAQ page, where we address questions you may have about OneDegree and our plans.