CIGNA SENIOR SERENITY PLAN

Guaranteed Acceptance for aged 55-85 + No Medical Examination + No Health Questions + Lifetime Protection

The traditional Chinese belief is that ageing gracefully is the ultimate fortune that everyone wishes for and dreams about. However, in a modern world people spend most of their lifetime pursuing career success or raising the family, many of them have forgotten to plan properly for the final journey. Some even worry that they may have to leave a heavy financial burden to their remaining loved ones. In such case, how can one actually enjoy a serene final journey?

CIGNA understands your needs. By enrolling in CIGNA Senior Serenity Plan, you can be assured that emergency cash is available to your family to settle the unpaid debts, outstanding medical bills and funeral-related expenses.

Coverage Details:

Enrolment Age  55-851
Policy Term  Whole Life up to age 100
Insurance Premium Payment Mode  Annual or Monthly
Sum Insured  HK$80,000
Death Benefit3
In the event that the Person Insured dies during the policy term, Death Benefit is paid out as follows:
Within the first 2 policy years: Refund of Basic Plan Paid Premium2.
From the 3rd policy year onwards: Sum Insured or Paid Basic Plan Premium2, whichever is higher, will be paid out.
Additional Accidental Death Benefit In the event that the Person Insured dies in accident during the policy term, Additional Accidental Death Benefit equals to the Sum Insured of Basic Plan is paid out.
Maturity Benefit  In the event that the Person Insured survives to beyond policy maturity, Maturity Benefit will be paid out. The Maturity Benefit amount equals to Sum Insured or Paid Basic Plan Premium2, whichever is higher.
Medical Check-up discount coupon and Free Eye Check and Hearing Assessment coupon4 Medical Check-up discount coupon, free Eye Test (Cataract & Glaucoma) and Hearing Assessment coupons are offered at the time of policy issuance.

Optional Insurance Benefits5:
Accidental Daily Hospital Income Benefit
(maximum benefit period up to 180 days6 per hospital confinement)		 Accidental daily hospital income will be paid, with a maximum amount up to HK$1,000, if the Person Insured is hospitalized due to accident.
Accidental Total and Permanent Disability Benefit7 Lump sum payment of HK$80,000 will be paid if the Person Insured suffers from Total and Permanent Disability due to an accident.
Terminal Illness Benefit8 Lump sum payment of HK$40,000 will be paid if the Person Insured suffers from Terminal Illness.

The above information is for reference only, please refer to the policy schedule and policy provision for details. CIGNA Senior Serenity Plan is a whole-life insurance plan. Benefits or refund of basic plan premium will only be paid out if the Person Insured dies during the policy term or survives to beyond policy maturity. Early surrender of the policy during policy term will result in policy lapse, and in such case, neither policy benefits nor cash value will be payable. CIGNA Senior Serenity Plan is available for Hong Kong ID card holders only.

Remarks:
1.
Different premium rates apply according to the gender and age of the proposed person insured.
2.
The refund of premium paid is without interest.
3.
The Death Benefit shall be reduced by the amount of Terminal Illness Benefit paid.
4.
The above medical check-up discount coupon, free eye test (cataract & glaucoma) and hearing assessment coupons are attached once at policy issuance only. 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.
5.
The premium of optional insurance benefits will be adjusted upon each Anniversary Date or upon each renewal.
6.
Maximum benefit period up to 90 days per hospital confinement if hospitalization happens in Mainland China or Macau SAR.
7.
Upon claim of Accidental Total and Permanent Disability Benefit, the Additional Accidental Death Benefit will be terminated.
8.
If the person insured suffers from terminal illness within the first 2 policy years, the terminal illness benefit amount equals to 50% of Paid Premium of the Basic Plan.

>> Illustrative Example

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