About Cody Chan and this site

How is the information chosen and checked?

• Traceable sources only: government information first (the Health Bureau's VHIS, the Inland Revenue Department, the MPFA), then insurers' published brochures and premium tables.
• Every product has a source and a date: each plan shows a source link and the date its information was last updated.
• No made-up product information: products we haven't verified are shown with data clearly labelled "Sample", never as real figures.
• Out-of-date warning: if a product hasn't been updated for more than 6 months, the page says it may be out of date.
• MPF and medical figures: labelled with their date and official source and checked regularly; past the review date the page shows “may be out of date”.

How products are compared

• Factual information only. Nothing is labelled "best", "best value" or "recommended", and no insurer is rated or criticised.
• Lists are sorted only by the value you pick, such as annual premium or benefit limit.
• Covering more illnesses doesn't mean better cover. Insurers may define the same illness and its payout conditions differently; the policy terms prevail.
• The guided questions only explain general principles of protection and never recommend a specific product.

Disclosure

I'm an insurance and financial planning consultant. This site only provides general information and calculators and does not recommend any specific insurance or investment product. If you book a chat, we may discuss relevant services for your situation, but you have no obligation to buy anything.

All calculations run in your browser; nothing you enter is stored or uploaded. See the disclaimer and privacy policy.