CIGNA CritiCare Critical Illness Insurance Plan

Illustrative Example

Thirty-eight years old Mr. Kwok had been married for 10 years and had a 5-year-old daughter. The whole family was so delighted when Mrs. Kwok became pregnant again. Mr. Kwok was a senior manager at a property management company and earned around HK$40,000 a month. The mortgage payment already took up 40% of the income and in order to provide the best to his loving girl, Mr. Kwok never hesitated to enroll her in many different extra-curricular activities. After settling all these expenses, he could only put aside a small amount of his income as savings. Mr. Kwok was covered by his company's life and medical insurance plans, however, he realized that those coverage would not be enough in case that he suffered from critical illness, as the medical expenses could cost at least a few hundred thousand dollars. Mr. Kwok then decided to buy CIGNA CritiCare Critical Illness Insurance Plan for himself and his wife through the easy enrollment over the phone.

When his little son reached 3 years old, from a body check Mr. Kwok found himself suffering from Coronary Heart Disease. His treating physician suggested Coronary Angioplasty surgery. As a policyholder of CIGNA CritiCare Critical Illness Insurance Plan, Mr. Kwok was entitled to the Second Medical Opinion Service. Mr. Kwok then submitted his medical reports through the service provider and then he was recommended a few leading medical centers with expertise in cardio-diseases within the available global medical network. After taken considerations of the second medical opinion provided, Mr. Kwok decided to do the Coronary Angioplasty surgery three months later. CIGNA CritiCare Critical Illness Insurance Plan provided Mr. Kwok with an advance benefit of HK$80,000 for this operation and Mr. Kwok recovered gradually after the successful operation.

Two years later, Mrs. Kwok found some suspicious swells and secretions at her left breast. Further examination confirmed that it was breast cancer, and it had already spread out. The couple was extremely overwhelmed by the tragic news, but then soon decided to gather some strength to face this challenge together for the sake of their little children. CIGNA CritiCare Critical Illness Insurance Plan paid out a total of HK$400,000 Critical Illness Benefit soon upon the diagnosis and Mrs. Kwok was immediately admitted to hospital for the operation. After appropriate chemotherapy treatment, Mrs. Kwok's situation was finally under control within half a year.

With the help of CIGNA CritiCare Critical Illness Plan, Mr. and Mrs. Kwok were able to get through the most difficult times. They could afford the unexpected medical expenses without exploiting the existing lean family resources. The benefit also supplemented the loss of income during the time of treatment and recovery when they were unable to work. The benefit ensured the family to keep running even at time of huge adversity.

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