Critical illness insurance refers to the major diseases designated by insurance companies in Hong Kong such as cancer, organ transplantation, stroke and so on. If the insured person suffers from one of the major diseases during the guaranty period, the insurance company will pay the medical expenses.

The basic medical insurance or hospitalization insurance generally includes hospitalization during hospitalization, operation fee basic hospital service fee and doctor's visit fee.

Hong Kong insurance company's major risk insurance products are mostly returned to the principal type of insurance products, the insured person can obtain the surrender of principal and interest when return, and also with life insurance.