Corporate News

Cigna Healthcare Hong Kong Launches Critical Illness Plan to Enhance Health and Financial Protection for Customers

Comprehensive coverage for every stage of the health journey, plus a welcome offer supporting mental health

HONG KONG, 8 January 2026 – Cigna Healthcare Hong Kong today announced the launch of the Cigna Healthcare VitalGuard Critical Illness Plan^TM (the “Plan”), expanding its medical insurance portfolio with critical illness protection to deliver comprehensive health and financial protection for customers and their families across every stage of life.

Jonathan Spiers, CEO at Cigna Healthcare Hong Kong, said: “As healthcare costs rise and critical illnesses become increasingly common, protecting both health and financial well-being has never been more important. Our Cigna Healthcare VitalGuard Critical Illness Plan^TM offers a lump-sum benefit designed to ease financial burdens in challenging times, so customers can focus on recovery with peace of mind. This Plan complements the suite of medical insurance products we offer to provide dual protection—medical and financial—and reflects our unwavering commitment to supporting the health and vitality of those we serve.”

Providing Financial Protection When Health Challenges Arise

The Cigna Healthcare VitalGuard Critical Illness Plan^TM provides financial protection when life takes an unexpected turn. It offers a lump-sum benefit upon diagnosis of a covered illness, safeguarding the financial stability of customers during recovery.

While standard medical insurance covers hospitalization and surgical fees, it does not address financial burden or indirect costs of income loss during recovery. This Plan is designed to extend and provide protection with flexible options to meet diverse needs. The Plan can provide primary financial protection for individuals without medical insurance, serve as additional protection for those seeking greater security during key earning years, or as a complement to existing medical plans such as Voluntary Health Insurance Scheme for holistic coverage.

Key features¹ of the Cigna Healthcare VitalGuard Critical Illness Plan^TM include:

• 5-Year Renewable Term: 5-year policy term with guaranteed renewal up to age 85.
• Comprehensive coverage: Up to HK$4,000,000 sum insured, covering a total of 110 diseases and surgeries.
• Critical Illness Benefit: 100% of the sum insured payout² upon diagnosis of any of the 58 covered critical illnesses.
• Early-Stage Critical Illness Benefit: Advances 20% of the sum insured² for early-stage conditions, including carcinoma-in-situ (up to two claims occurring in two different organs), early-stage cancer, surgeries, and juvenile illnesses.
• Worldwide Second Medical Opinion Service³: Complimentary access to independent global medical centres for a second opinion on diagnosis and treatment plans.

Welcome Offer for Complete Well-Being

Our latest Cigna Healthcare International Health Global Study reveals that 77% of Hong Kong people report experiencing stress, up from 69% in the previous edition. Mental and physical health are closely connected. Individuals facing critical illnesses often experience emotional challenges, while stress, anxiety or depression can increase the risk of long-term health conditions. This makes mental well-being an essential part of overall health.

To support customers on their holistic health journey, Cigna Healthcare VitalGuard Critical Illness Plan^TM features the following welcome offers⁴ for customers who purchase before 31 March 2026: