Who we are

Our brand

We strive to help customers get more from life with HASL Asia

Company background

HASL Asia enjoys a unique blend of Eastern and Western heritage inherited from our Mainland China and UK background

Awards and recognition

Heng An Standard Life Asia earns industry recognition for its professional services and products

What we offer

Investment-linked insurance plans

Our investment-linked insurance plan may help you capture market potential and cater for your insurance needs



Enjoy peace of mind for you and your family with extensive health coverage

Refundable Critical Illness Insurance Plan

Help and support

Interest rate

Calculate the interest rate from a range of currencies and dates

Exchange rate

Calculate the exchange rate from a range of currencies and dates

Download hub

Access forms to switch policies, sign up for investments, change personal information

Payment methods

Choose your preferred way to pay for policies, investments, and more


Need more clarity? Read our selected list of questions to guide your understanding

Go green

Go green, go paperless Support environmental friendliness by moving away from paper to electronic notices

Investment information

Professional investment management

Our investment-linked insurance plans offer a wide range of investment choices linked to underlying funds managed by reputable investment managers

Notice in relation to investment choices

Stay fully informed on your investments with the up-to-date notices

Our Investment Choices

Investment involves risks. Past performance is not indicative of future performance. For details of the risk factors, fees and charges of the plan, please refer to the offering documents of the relevant plan.


Hong Kong New Capital Investment Entrant Scheme

Committed to offering more with wealth-focused insurance solutions, catering to customers’ financial needs under the New CIES

Education series

Gain more understanding about your insurance with our guides, from basic principles to managing investments over the long term

Market watch

Follow trends and get the latest information about various industry sectors and behaviours


A lexicon of insurance-related words to help aid your understanding

Refundable Critical Illness Insurance Plan


Refundable Critical Illness Insurance Plan

Refundable Critical Illness Insurance Plan

Living well, whatever life brings

We all have our own definition of what it means to live well – whether it’s forging a satisfying career, travelling around the world, or simply making the most of each relaxing moment. Good health is the key to enjoying life, but what happens when life throws serious health challenges at you? Even if you hold health insurance, having a trusted, reliable backup focused on critical illnesses can make all the difference for living well when sickness strikes.

In Hong Kong, the illnesses most likely to affect us are cancer, heart disease and stroke, which are amongst the top 5 death causes in the population[i]. Globally, cardiovascular disease and cancer rank the top of the world’s biggest causes of deaths[ii],[ iii]. It makes good sense to protect yourself in the face of health threats.

The content of this website does not form part of the policy and does not contain full terms of the policy. The full terms can be found in the policy document. CareMore Refundable Critical Illness Insurance Plan is underwritten by Heng An Standard Life (Asia) Limited. This product is a standalone individual policy which is not required to bundle with other type(s) of insurance product at purchase.


Critical Illness Benefit


Carcinoma-in-situ /Early Stage Cancer Benefit


Death Benefit


Refund of Premium Benefit


Simplified Underwriting


Limited Premium Payment Term


Issue Age

15 days to age 60

Age 18 or above


Sum Insured

a. HKD 250,000 /
    USD 31,250

b. HKD 500,000 /
    USD 62,500

c. HKD 750,000 /
    USD 93,750

d. HKD 1,000,000 /
    USD 125,000


Policy Maturity

20 years


Premium Payment Term

a. 5 years

b. 10 years

Benefit Option 1

- Cancer
- Heart Attack
- Stroke
- Carcinoma in-situ / Early Stage Cancer

Benefit Option 2

- Specific Cancer
- Heart attack
- Stroke
- Carcinoma in-situ / Early Stage Cancer

Benefit Option 3

- Cancer
- Carcinoma in-situ / Early Stage Cancer

Benefit Option 4

- Specific Cancer
- Carcinoma in-situ / Early Stage Cancer

The following case studies are designed to help you understand how "CareMore - Refundable Critical Illness Insurance Plan" can give you the back-up you need in different circumstances:

Know more about "CareMore -Refundable Critical Illness Insurance Plan"

Case study 1
Extra protection for Carcinoma-in-situ stage

Case study 2
Meeting your needs, rewarding your good health

Case study 3
Worry-free financial support

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