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Cancer Guardian 3

A cancer reimbursement plan that combines innovative benefits – including financial support for cancer screening and experimental drugs – with one-stop personalised value-added services at affordable premiums

Benefit term Whole life
Issue age 15 days to age 70
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Featured benefits

Cover for experimental drugs

【First-in-market1】Offers financial support for local and overseas experimental drugs of up to HK$/MOP1.5 million2,3

Cover for expense of HPV vaccination and cancer screening

【Unique-in-market1】Starting from the 4th policy year, the insured can choose to receive HPV vaccination or designated cancer screening selection3,4

No itemised benefit sublimit under diagnostic test and cancer treatments

Diagnostic tests, cancer treatments, medication, reconstructive surgery and monitoring are fully covered5 to ease your financial burden

Covered cancer limit replenishes every 3 years

【Unique-in-market1】Continuous protection against any covered cancer including recurrence or metastasis of a covered cancer, or a new covered cancer with covered cancer limit replenishes every 3 years6

Comprehensive Chinese medicine protection with cover for tui na

【Unique-in-market1】In addition to prescribed Chinese medicine and acupuncture, the coverage extends to tui na

Value-added service

Medical Expense Pre-approval Service

To allow you to be in control of your day surgery or hospitalization expenses

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Cashless Hospitalisation

AIA will settle your medical expenses directly with the private hospital on your behalf

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Health Pilot Services
 

One-stop Cancer Care support - Personal Medical Case Management Services with Rehabilitation Management, Designated Hotline for medical enquiry and Caregiver Support 

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Personal Medical Case Management Services with Rehabilitation Management

Provide online expert medical second opinion and rehabilitation recommendation with immediate support

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Worldwide Emergency Assistance

24-hour worldwide assistance hotline

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Join AIA Vitality and enjoy an instant 10% premium discount

Once you join AIA Vitality*, you can enjoy an instant 10% premium discount for the first year. As long as you keep up a healthy lifestyle, you can even enjoy up to 15% lifelong premium discount**, while at the same time earning AIA Vitality Points and enjoying an array of rewards and offers to help you live a healthier lifestyle.

Please click here for further details.
The content of this website does not contain the full terms of the product and the full terms can be found in the policy contract. You have the right to request a sample of policy contract before committing to the purchase. Please note the relevant product risks. This product can be purchased as a basic plan or as an add-on plan.

Limited-time offers

Apply now to get 3 months premium refund.
Terms & conditions apply. Refer to the promotional leaflet for details.
Notes
 
  • All information here is for reference only. The product information in this webpage does not contain the full terms of the product. For the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of the relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA.

  • You have the option to take up a Cancer Guardian 3 as either a stand-alone insurance plan or as an add-on plan to specified basic plans.
  1. As of 1 September 2022, compared against similar cancer protection insurance products provided by major Hong Kong insurance companies.

  2. Macau pataca is only applicable to policies issued in Macau.

  3. This benefit is only applicable to Plus plan and Mega plan.

  4. Starting from the 4th policy year, depending the attained age of the insured, the insured can choose to receive HPV vaccination or designated cancer screening selection and choose to screen for cancer on every 5 years.

  5. Fully covered shall mean no itemised benefit sublimit under Diagnostic Benefit, Cancer Treatment Benefits, Reconstructive Surgery Benefit and Monitoring Benefit.

  6. Subject to the lifetime cancer limit.
* An annual membership fee will be charged for AIA Vitality and a member has to renew the AIA Vitality membership annually on time in order to maintain the membership and enjoy premium discount (if any) in the subsequent policy years. The membership fee of AIA Vitality may vary at any time without prior notice. Likewise, programme benefits may be added or removed without prior notice.

** Premium discount is only applicable to the standard premiums of selected AIA Vitality insurance products (including basic and add-on plans) and shall not apply to any extra premiums due to loading. In all circumstances, the premium discount will be calculated in accordance with the insured's AIA Vitality Status achieved on each policy anniversary. The policy anniversary of AIA Vitality selected insurance products and AIA Vitality membership anniversary may not be the same.  For details and offers of AIA Vitality selected insurance products, please visit aia.com.hk/aiavitality.

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