CIGNA CritiCare Critical Illness Insurance Plan

Coverage of 47 Critical Illnesses + Simplified Underwriting Over the Phone + Second Medical Opinion1

Hong Kong metropolitans are living busy life today, the length of working hours per week ranks the fifth worldwide*. Fatigue easily gives rise to various health problems. Recent research revealed that serious illnesses attack people at younger age, in the event of suffering from serious diseases such as cancer, treatment and medications could cost a few hundred thousand dollars! Even if you have good saving habit, it may not be easy for you to take out such large amount of cash all in a sudden. At such difficult time, the relevant expenses could become a heavy burden to your family. How can you focus on your fight against dread disease?

CIGNA understands your needs and provides you with the solution - CIGNA CritiCare Critical Illness Insurance Plan, an insurance plan that gives you comprehensive protection. At time of greatest need, you can have a lump sum of cash to settle the emergency medical expenses. Besides enabling you to receive better treatments, it also helps you maintain the normal standard of living. CIGNA CritiCare Critical Illness Insurance Plan provides the best protection for you and for your family.

* Source from: HKCTU July 2008

Enrolment is easy, leave your contact via the form on the right, or call us at
(852) 8200 8352 to talk with our skilled insurance experts!

Enroll together with your spouse to enjoy 10% premium discount for the first ten years on both policies.


Coverage Details:

Enrolment Age  18-55
Policy Term  up to age 752
Insurance Premium Payment Mode  Annual, Semi- Annual, Quarterly or Monthly
Critical Illness Benefit3 
Within the first policy year: Refund of Paid Premium4 5
From the 2nd policy year onwards: HK$400,000 or HK$600,000
Carcinoma-in-situ Benefit6
(Advance payment of Critical Illness Benefit) 		 HK$80,000 or HK$120,000
Death Benefit  In the event that the Person Insured dies during the policy term,
Death Benefit equals to HK$5,000 or Paid Premium4, whichever is higher, will be paid out.
Second Medical Opinion Service1  Enable you to obtain second medical opinion through the network of world-leading medical centres
Spouse Discount7  Enroll together with your spouse to enjoy 10% premium discount on both policies.
Medical Check-up Discount Coupon(s)8  Body Check-up Discount Coupon(s)
[The above mentioned coupons are attached once at policy issuance only.]

The above information is for reference only, please refer to the policy schedule and policy provision for details. CIGNA CritiCare Critical Illness Insurance Plan is available for Hong Kong ID card holders only.

Remarks:
1.
The second medical opinion service is available to policyholders of designated CIGNA insurance plans. Medical Opinion Service is provided by the Medical Consultancy Company assigned by CIGNA at its discretion, CIGNA is not responsible for the quality of the service nor liable to any loss of consequence of the service. CIGNA currently appoints MediGuide as its service provider for this second medical opinion service; CIGNA, however, reserves the right to switch service provider without any prior notification to customers. MediNet is the authorized representative of MediGuide to process its medical second opinion service. Second Medical Opinion Service does not apply to "Total and Permanent Disability".
2.
Policy term is subject to the final decision of CIGNA.
3.
Advance payment for Coronary Angioplasty equals to 20% of Critical Illness Benefit and is paid out in advance from the Critical Illness Benefit. The refund of premium paid is without interest.
4.
The refund of premium paid is without interest.
5.
The Refund of Paid Premium is payable if the person insured has the sign & symptoms of insured event after 180 days from the commencement date and was then diagnosed to have the insured event within the first policy year. Otherwise, no benefit will be payable.
6.
The Carcinoma-in-site Benefit is payable if the person insured has the sign & symptoms of the insured event after 180 days from the commencement date and was diagnosed after first policy year. Otherwise, no benefit will be payable.
7.
Applicant must submit application for his/her spouse (the 2nd proposed person insured) within one calendar month of the effective date of the 1st policy to enjoy 10% premium discount on both policies.
8.
CIGNA reserves the right to change the terms and conditions of any of the promotional offers relating to the check-up coupon without any prior notice. In case of dispute, the decision of CIGNA shall be final.

>> Illustrative Example

Back to Top