CIGNA HEALTHFIRST
ELITE MEDICAL PLAN

1. This Promotion (the “Offer”) is organized and sponsored by Cigna Worldwide General Insurance Company Limited (“Cigna”).
2. To qualify for the offer, a customer must apply Cigna HealthFirst Elite Medical Plan (the “Plan”) and successfully being issued a policy of the Plan (each a “Eligible Policy”) through one of the following ways:
   • Visit Cigna’s website and leave the personal contact details for Cigna’s representative to contact and enroll for the Plan; or
   • Referred by NowTV to reach a Cigna’s representative to enroll for the Plan; or
   • Call the exclusive hotline directly at +852 8105 8424 to enroll for the Plan.

3. All application(s) for the Plan(s) are subject to underwriting and approval by Cigna. Cigna reserves the right to accept or decline any application.
4. For each Eligible Policy, two HKD1,000 worth of NowTV electronic coupons (the “Reward”) will be sent to the email address provided by the policy holder within four to six weeks upon receiving the premium payment as follow:
   • First coupon: upon receiving the first three months of premium; and
   • Second coupon: upon policy renewal for the second policy year and receiving the 13^th month premium payment.

For avoidance of doubt, any Eligible Policy cancelled or terminated before the timing mentioned above will not be entitled for the coupon.

5. Each policy should be entitled for the Offer once only. Unless otherwise specified, the Offer can be entitled in conjunction with other promotions under the Plan.
6. A valid email address must be provided to Cigna for issuance of the Reward, where Cigna is not liable for any loss, delay, non-delivery or mis-delivery of the Reward resulting from inaccurate email address or any delivery failure.
7. Cigna is not the service provider of the Reward and shall not be liable in any way whatsoever in relation to the use and provision of the Reward. The Reward is subject to terms and conditions specified by NowTV.
8. The Reward is not returnable and cannot be altered or redeemed for cash under any circumstances.
9. The records of contact information, relevant referral from NowTV, policy application and eligibility of the Reward are based on the record and decision by Cigna.
10. Cigna reserves the right to amend these Terms and Conditions and may withdraw or discontinue this promotion without prior notice. In case of any disputes, Cigna’s decision shall be final.
11. The terms and conditions included in this leaflet apply to the Offer only. For details of the features, contents, terms, conditions and exclusions of Cigna HealthFirst Elite Medical Plan, please refer to the relevant product brochure(s) and policy provision(s).
12. The English version of the terms and conditions of the Offer shall prevail if there is any discrepancy between the English and Chinese versions.

1. Premium Level
   The premium corresponding to the accommodation room type, area of cover and annual deductible option you select is determined based on the age and smoking habit of the person insured at policy commencement and at the time of renewal upon each anniversary date of the policy.
2. Non-payment of Premium
   If you fail to pay the initial premium, your policy will not take effect from the commencement date of your policy. Except for the initial premium payment, there will be a grace period of 1 month after any premium due date. Your policy will remain effective during this grace period. If any premium is not paid at the end of the grace period, your policy will lapse on the premium due date and you will lose the insurance cover. We will not make any claim payment or any other payment payable under the policy, until we receive payment of all outstanding premium up to the date of the claim payment or when the policy terminates.
3. Mis-statement of Age or Smoking Habit
   If age or smoking habit has been mis-stated by you or any person insured, the relevant person insured would still be eligible for coverage, we have the right to adjust the premiums payable based on the correct information.
4. Premium Adjustment
   The Company reserves the right to revise the premium of the policy on the anniversary date or upon renewal.
   Factors leading to premium adjustment may include but are not limited to our experience in claims and expenses incurred by and/or in relation to this product.

1. Benefit in General
   For hospitalization in mainland China, benefit is payable only if the diagnosis and hospital confinement are made in a hospital of Tier 3 Class A or above. Except for the benefit payment in case of death of the person insured, we shall pay the benefit amount to the policyholder.

   For the benefit payment in case of death of the person insured, we shall pay the benefit amount to the beneficiary.
2. Hospitalization and Surgical Benefits
   Under Hospitalization and Surgical Benefits and Extended Benefits, the Company will reimburse the actual medical expenses incurred of insured event according to the following calculation formula:

   {(Amount of eligible medical expenses incurred) LESS (-) (The medical expenses of same insured event is reimbursed by another party or by us under another insurance plan or the deductible (per policy year) under this policy, whichever is the larger)} TIMES (x) (Adjustment factor in room type confined (if applicable))

   If the person insured uses a higher level of hospital facilities and services than he is entitled to under the policy, the benefit amount payable will be lowered according to the adjustment factor. This benefit will not be payable for class of suite/ VIP/ deluxe room of a hospital

   Accomodation Room Type	Room type confined	Adjustment factor
   Semi-Prtivate Room	Standard Private Room	50%

3. Deductible Discount and Premium Waiver due to Cancer
   For the avoidance of doubt, while the Deductible Discount and/or Premium Waiver due to Cancer are inforce, the Basic Benefits including the selected accommodation room type, area of cover, deductible and/or payment frequency are not allowed to change. Otherwise, the Company will not pay any benefit under the Deductible Discount and/or Premium Waiver due to Cancer.

1. The policy will be automatically terminated when one of the following happens:
   • The person insured reaches the age of 100;
   • The person insured passes away; or
   • Any premium is not paid at the end of the grace period.
2. The Optional Maternity Benefits will be terminated upon the policy anniversary after the person insured reaches age 50.
3. The Optional Pharmacy Benefits will be terminated if 100% of the lifetime limit has been paid.
4. If there is any fraud, mis-statement or concealment in the application or declaration, or if you or your beneficiary makes a dishonest claim, we have the right to cancel the policy immediately. In such case, all the premium paid will not be returned and you shall immediately return all payment including claims paid by us under the policy.
5. The person insured is required to settle any shortfall of expenses incurred with the use of the Cigna HealthFirst Elite Medical Card which is not covered by the policy or exceeding the maximum limit. If such shortfall amount is not settled within 14 days after receipt of a payment advice from us or our designated medical service providers, the Company reserves the right to terminate this policy.
6. The person insured aged below 6 applying for Elite Medical Plan must be enrolled in the same Basic Benefits and Optional Insurance Benefits with those of the policyholder’s. If the policyholder terminates or changes his/ her policy, the policy of the child must be terminated or changed accordingly as per the policyholder’s with effect from the next anniversary date. The policyholder is required to notify us in writing the request of changes.