Top Cancer Protection

Cancer Protection

For peace of mind and when you need it the most

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Key Features

Avo cancer plans provide:

Comprehensive medical coverage

Comprehensive coverage for related diagnostic tests, treatment, surgery, inpatient and monitoring costs.

Flexible top-up plan

Supplement plans with extra coverage on male or female cancers according to your needs.

No medical check-up is required

Easy and quick to apply with no supporting documents.

No deductible

Subject to benefit limit, your actual medical expenses will be fully covered.

Common cancers covered

Whether you are male or female, Avo covers the most common and critical cancers.

Cancer recurrence cover

Renewing customers who have a cancer recurrence after three years can still be covered.

Benefit Summary

Benefit Item
Covered Organs
Brain, Colon, Gallbladder, Liver, Lung, Pancreas, Kidney and Stomach
Maximum Benefit Limit (applicable to Section A-D)
Lifetime Benefit Limit
Covered Cancer Limit
A. Diagnostic Benefit (in-patient and/or out-patient)
Full Cover
Full Cover
Including but not limited to lab test, X-ray, CT, MRI, positron emission tomography (PET), fine-needle aspiration for cytology or histopathology, or excisional biopsy for histopathology and any other diagnostic tests (and hospitalization charges if confinement is necessary)
B. Treatment Benefit
Active and Palliative Treatment Benefit
(in-patient and/or out-patient)
Full Cover
Full Cover
Including but not limited to chemotherapy, hormonal therapy, radiotherapy, target therapy and immunotherapy
Confinement Benefit
- Hospital Room and Board
- Physician Fee / Specialist Fee
- Intensive Care
- Surgical Expense
- Miscellaneous Hospitalization Expense
- Companion Bed
Full Cover
Full Cover
Pre or Post-treatment Out-patient Benefit
Full Cover
Full Cover
Maximum 1 consultation per day, provided that such out-patient visit is directly related to and as a result of the condition arising from the same cause (including any and all complications therefrom) necessitating such confinement
C. Reconstructive Surgery Benefit#
Full Cover
Full Cover
D. Monitoring Benefit
Full Cover
Full Cover
Up to 5 years after completion of active treatments
E. Extended Caring Benefit
Alternative Treatment Benefit
i) Traditional Chinese Medicines Treatment
ii) Acupuncture
iii) Physiotherapy#
iv) Occupational Therapy#
v) Speech Therapy#
vi) Dietician Consultation#
vii) Chiropractic Therapy#
viii) Psychological Counselling##
ix) Home Nursing#
$700 per visit,
maximum 1 visit per day
(maximum 45 visits per covered cancer)
$800 per visit,
maximum 1 visit per day
(maximum 45 visits per covered cancer)
Medical Devices Benefit#(purchase or rental)
$5,000 per covered cancer
$10,000 per covered cancer
Waiting Period
Effective Date of Protection
90 days after policy effective date
Recurrence or metastasis of the same cancer^
Date of diagnosis is at least 3 years apart
#Written recommendation from a physician is required
##For insured person and one immediate family member
^Same cancer means the latest cancer is diagnosed with the same histopathology of any preceding cancer
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Important Stuff

  • You must be aged between 18 and 65.
  • The maximum age we cover is 85 years old (for renewal only).
  • You must hold a valid HKID on the date of application.


  • Q1.  Why do I need Cancer Protection?
  • Q2.  What do I need to do before applying for the insurance?
  • Q3.  Once I have purchased the plan, am I covered immediately?
  • Q4.  Can I go to any hospital for my cancer treatments?
  • Q5.  Can I get a refund if I cancel my policy?
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