Cigna NowTV Promotion In HK: Enroll Cigna HealthFirst Elite Insurance

CIGNA HEALTHFIRST
ELITE MEDICAL PLAN

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Enroll Cigna HealthFirst Elite to enjoy HK$2000 voucher* from NowTV
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Children enrolling with parents
ENJOY 50% PREMIUM DISCOUNT
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Comprehensive medical insurance coverage
NO LIFETIME LIMIT

Cigna cares your well-being, not only to offer you the best in class medical insurance coverage, we launched the best promotion offer with NowTV, it provides high quality entertainment, sports and children learning programmers all round. Upon successfully enrolled Cigna HealthFirst Elite Medical Plan, you will enjoy HK$2000 voucher* from NowTV.  For details of the arrangement about mileage credit, please refer to the "Terms and Conditions" as listed in this webpage.

PLAN BENEFITS

Cigna HealthFirst Elite Medical Plan offers comprehensive worldwide medical insurance coverage with no lifetime limit1.
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COMPLIMENTARY SERVICES
Free annual health check-ups (if applicable).
Our All-round Healthcare Concierge Service in Hong Kong provides you with access to excellent and personalized medical services.
Our Second Medical Opinion Service offers you an alternative medical opinion from a global pool of experts based at world-class institutions via our worldwide medical network, allowing you to make better-informed decisions. All-Round Healthcare Concierge Service in Hong Kong
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Comprehensive Medical Insurance Coverage
Unlimited lifetime cover1, a range of hospital and surgical benefits, cashless hospitalization subject to pre-approval, and an annual limit of up to HK$38,800,0002.
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Global Medical Network
With over 7,000 hospitals and globally accessible 24-hour Cigna HealthFirst Elite Hotline.
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Flexible Options
Tailor your insurance plan with a range of geographical options, accommodation room types, annual deductibles, and optional riders – Pharmacy, Outpatient, Dental, Premium Waiver due to Cancer, and Deductible Discount.
TERMS & CONDITIONS
IMPORTANT INFORMATION
Special Promotion Offer T&C
  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.
  1. 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.
  2. 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 two months of premium; and
    • Second coupon: upon policy renewal for the second policy year and receiving the 13th 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.

  1. Each policy holder should be entitled for the Offer once only. Unless otherwise specified, the Offer can be entitled in conjunction with other promotions under the Plan.
  2. 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.
  3. 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.
  4. The Reward is not returnable and cannot be altered or redeemed for cash under any circumstances.
  5. 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.
  6. 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.
  7. 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).
  8. The English version of the terms and conditions of the Offer shall prevail if there is any discrepancy between the English and Chinese versions.
Premium
  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.
Benefits
  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.
Area of Cover
If the person insured’s country of residence is the United States (US) at the time of loss incurred, all benefits payable under the Basic Benefits and the Optional Insurance Benefits (if any) which takes place in the US will be reduced to 60% of relevant reimbursable charges, while the maximum benefit limit, lifetime limit and deductible shall remain unchanged under your policy. Country of residence refers to the country where person insured has stayed in for 185 days or more during the period of 365 consecutive days before the loss incurred date. For the area cover of “Asia”, if the person insured’s country of residence is Australia and/or New Zealand at the time of loss incurred, all benefits payable under the Basic Benefits and the Optional Insurance Benefits (if any) which takes place in Australia and/or New Zealand will be reduced to 60% of relevant reimbursable charges, while the maximum benefit limit, lifetime limit and deductible shall remain unchanged under your policy. Country of residence refers to the country where person insured has stayed in for 185 days or more during the period of 365 consecutive days before the loss incurred date.
Duplicated Policy
Person insured can only be covered under one single “Cigna HealthFirst Medical Plan Series” policy. The series includes “Cigna HealthFirst Elite Medical Plan”, “Cigna HealthFirst Choice Medical Plan” and any other insurance policies that fall under the “Cigna HealthFirst Medical Plan Series” as defined and issued by the Company from time to time.
Renewal
The Basic Benefits and Optional Insurance Benefits will be effective for an initial period of 12 months and thereafter guaranteed and automatically renewable for successive periods of 12 months each provided that we continue to issue new policy(ies) under the Basic Benefits and respective Optional Insurance Benefits (if applicable) of “Cigna HealthFirst Elite Medical Plan”, and upon payment of the premium at time of renewal. If the Basic Benefits are renewed by the Company, but the Optional Deductible Discount is not renewed by the Company, the coverage period of the Optional Deductible Discount will be extended to 12 months following the next policy anniversary. If the policy is not renewed by the Company, the Optional Deductible Discount will be terminated at the end of the policy year. In such case, the coverage period of Optional Deductible Discount will not be extended. The Company reserves the right to revise the terms of the policy and/or the premium and/or the benefit schedule upon each renewal.
Termination
  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.
Inflation Risk
While your current planned benefits will not be adjusted during the policy term, future medical costs may be higher than they are today due to inflation.
KEY EXCLUSIONS
The following list is for reference only. Please refer to the policy provisions for the complete list and details of exclusions.
Cigna shall not be liable to pay any claim or expenses incurred directly or indirectly resulting from or consequent upon or contributed by the following items.
The following items are applicable to all benefits:
(a) Pre-existing medical conditions and any specified special exclusion(s);
(b) War, invasion, act of foreign enemy, hostilities, civil commotion, rebellion, revolution, insurrection, military or usurped power or terrorism;
(c) The person insured’s suicide, attempted suicide or intentionally self-inflicted injuries, whether sane or insane;
(d) The person insured being under the influence of alcohol or drugs unless the drugs are properly prescribed by a physician and were not taken for the treatment of drug addiction;
(e) Pregnancy, childbirth, miscarriage, abortion or complications arising from any of them even though such loss may have been accelerated or induced by bodily injury or sickness (this exclusion is not applicable to Maternity Benefit);
(f) Infection with Human Immunodeficiency Virus (HIV) or variants including Acquired Immune Deficiency Syndrome (AIDS) and AIDS-related complex (ARC) except such occurrence are covered under HIV/AIDS Treatment section and HIV Inflection due to Blood Transfusion and Occupational acquired HIV of Pharmacy Benefits (optional benefit);
(g) Sexually-transmitted diseases or treatment thereof except such occurrence are covered under HIV / AIDS Treatment section and HIV Inflection due to Blood Transfusion of Pharmacy Benefits (optional benefit);
(h) Infertility or sterilization or any type of fertility; (i) Birth defects, congenital conditions, hereditary conditions or any disabilities arising therefrom except such occurrence are covered under Medullary Cystic Disease of Pharmacy Benefits;
(j) Cosmetic and elective surgery;
(k) Routine eye/ear examinations, cost of spectacles, contact lenses, hearing aids and artificial lens except such occurrence are covered under the item of Medical Appliances of the Hospitalization and Surgical Benefits;
(l) Routine medical examinations or health screening checks;
(m) All dental treatment prescribed by dentist except emergency treatments by a physician during hospital confinement due to bodily injury. No claims shall be payable for any follow up treatment from such hospital confinement. (This exclusion is not applicable to Dental Benefit); or
(n) Organ transplantation except such occurrence is covered under the item of Organ Transplantation of the Hospitalization and Surgical Benefits and Major Organ Transplantation of the Pharmacy Benefits;
The following exclusions items are applicable to Dental Benefits only:
(a) Dental implants or transplants;
(b) Cosmetic dentistry procedures such as bleaching and veneers;
(c) Orthodontic services;
(d) Placement of bone grafts or extra-oral substances in the treatment of periodontal disorders;
(e) Procedures or appliances to correct congenital malformations;
(f) Treatment of malignancies, cysts, or neoplasms;
(g) Services or treatment for, or associated with, temporomandibular joint (TMJ) dysfunction or disorder, or for orthognathic surgery;
(h) Services or supplies intended to diagnose or treat any condition that is occupational injury or disease; or
(i) Replacement or additions to existing dentures or bridgework;
The following exclusions items are applicable to Pharmacy Benefits only:
(a) Any drugs that are experimental or investigational; or
(b) Cost or expense incurred for replacement of claimed western medications due to loss, theft, damaged, spoiled or expired;
The following exclusions items are applicable to Accidental Death Benefit only:
(a) Illness, disease, bacterial or viral infection, even if contracted by an accident. This does not exclude bacterial infection that is the direct result of an accidental cut or wound or accidental food poisoning;
(b) Medical or surgical treatment, except where such treatment is rendered necessary by bodily injury within the scope of this accidental death benefit;
(c) Pregnancy, childbirth, miscarriage, abortion or complications arising from any of them even though such loss may have been accelerated or induced by bodily injury;
(d) Being under the influence of alcohol or drugs unless the drugs are properly prescribed by a physician and were not taken for the treatment of drug addiction; or
(e) Suicide, attempted suicide, suicide pact or deliberate self-inflicted injury, while sane or insane.
The above insurance plan is underwritten by Cigna Worldwide General Insurance Company Limited.
The above information is for reference only and does not constitute any contract or any part thereof between Cigna and any other parties. Please read the product brochure for details. For details of full terms, conditions and exclusions, please refer to the policy provisions. Cigna will be happy to provide a specimen of policy upon your request.