Legal Disclaimer & Conditions of Use

Cigna Healthcare is a registered service mark of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its subsidiaries. Cigna Corporation is a holding company and is not an insurance or an operating company. Therefore, products and services are provided exclusively by subsidiaries and not by Cigna Corporation. "Cigna Healthcare" may refer to Cigna Corporation itself or one or more of its subsidiaries, but when used in connection with the provision of a product or service, always refers to a subsidiary. In Hong Kong, products and services referred to on Cigna.com.hk are provided exclusively by Cigna Worldwide General Insurance Company Limited which is authorized to carry on insurance business in Hong Kong. The materials and information on Cigna.com.hk are provided to you by Cigna Healthcare in accordance with these Legal Disclaimer & Conditions of Use.

The products and services available on Cigna.com.hk are made available in Hong Kong only. Although it is possible to access Cigna.com.hk overseas, Cigna Healthcare makes no representation that (i) the products and services available through Cigna.com.hk comply with the laws of any place outside Hong Kong and (ii) materials and information on Cigna.com.hk are appropriate for use in any place outside Hong Kong. If you access Cigna.com.hk from outside Hong Kong, you do so on your own initiative and are responsible for ensuring compliance with all laws in the place where you are located.

All information on Cigna.com.hk, including any product descriptions, are not intended to and shall not constitute offers to sell or solicitations to buy in connection with any products or services. Cigna Healthcare does not offer or sell any product and services in any places in which such offer or sale is unlawful under the laws of such place. All product descriptions on Cigna.com.hk are for reference only and products and services available at Cigna.com.hk shall be subject to the terms and conditions of any applicable policy agreement / contract.

While visiting Cigna.com.hk, you may leave Cigna.com.hk and access certain non-Cigna Healthcare websites linked from Cigna.com.hk. The inclusion of the links to any non-Cigna Healthcare websites at Cigna.com.hk shall not be construed as an endorsement or approval of these websites and/or any products or services sold or described therein. Cigna Healthcare neither reviews nor controls nor guarantee the content, accuracy, completeness, reliability or authenticity of these non-Cigna Healthcare websites, and therefore will not be responsible in those regard. These non-Cigna Healthcare websites may contain unedited, sexually explicit, violent, racist or other types of material, which may be offensive to you. Your access to non-Cigna Healthcare websites is at your sole risk and at your own discretion.

All material on Cigna.com.hk including any link to other websites and content found at the linked websites is provided "as is" without warranty of any kind, either express or implied, including warranties of merchantability, warranties of fitness for a particular purpose and representations or warranties as to the reliability, accuracy or completeness of its content. Cigna Healthcare excludes all conditions, warranties and terms implied by legislation, common law or custom, except any exclusion of which would contravene any legislation (including but not limited the Control of Exemption Clauses Ordinance (Cap 71, laws of Hong Kong) and the Supply of Services (Implied Terms) Ordinance (Cap 457, laws of Hong Kong)) or cause any part of this provision to be void.

Due to the nature of the Internet, Cigna Healthcare does not warrant that the safety and accuracy of Cigna.com.hk, nor does it warrant access to Cigna.com.hk or any of its pages or functions will be uninterrupted or free from any errors, defects, viruses and/or malicious programs or macros. Cigna Healthcare does not warrant or make any representations regarding the usefulness or the expected results of the material contained on Cigna.com.hk.

Cigna Healthcare cannot and does not guarantee or warrant that files available for downloading from Cigna.com.hk are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Cigna Healthcare does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties, representations or endorsements of title, non-infringement or fitness for a particular purpose) with respect to the files available for downloading from Cigna.com.hk. You shall be solely responsible in taking any precautionary measures against viruses, worms, Trojan horses or other code with contaminating or destructive properties as you think appropriate and necessary. Without prejudice to the section of “Limitation of Liability” below, in no event will Cigna Healthcare be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from Cigna.com.hk.

The health information on Cigna.com.hk is provided by Cigna Healthcare solely for informational purposes as a public service to promote consumer health. It does not constitute medical advice and is not intended to be a substitute for proper medical care provided by a physician. Without prejudice to the section of “Limitation of Liability” below, Cigna Healthcare assumes no responsibility for any circumstances arising out of the use, misuse, interpretation or application of any information supplied on Cigna.com.hk. Please always consult with your doctor for appropriate examinations, treatment, testing, and care recommendations and do not rely on information on Cigna.com.hk as a tool for self-diagnosis.

Cigna.com.hk is owned by Cigna Healthcare and all content in Cigna.com.hk is protected by copyright laws. Content of Cigna.com.hk and files available for downloading from Cigna.com.hk may be copied, downloaded, stored and/or printed for personal use only. Permission to print, republish, distribute or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate Cigna Healthcare copyright holder.

There are references to various trademarks, service marks, trade names and logos throughout Cigna.com.hk and these, whether registered or not, are the property of their respective owners. Usage of the same without the express permission of respective owners is prohibited.

It is a condition of your use of Message Boards or Chat Rooms that you do not:

1. post or transmit any unlawful, threatening, abusive, libelous, defamatory, racial, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law;
2. post or transmit comments containing harassing or offensive language, using sexual references, sexual nicknames, racial slurs or rude or deliberately offensive comments or engage in disruptive activity online, including excessive use of scripts, sound waves, scrolling (repeating the same message over and over), or use viruses, worms or Trojan horses;
3. post or transmit any information, software or other material which violates or infringes the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works without first obtaining permission from the owner;
4. post or transmit any information, software or other material which contains a virus, worm, Trojan horse or other code that has contaminating or destructive properties;
5. post any information, software, or other material for commercial purposes;
6. solicit other users to join or contribute money to any online service or other organization, advocate or attempt to get users to join in legal or illegal schemes;
7. impersonate any person or entity or falsely represent your professional or other affiliation with any person or entity; or
8. use Cigna.com.hk to collect personally identifiable information in violation of our Privacy Policy. You agree Cigna Healthcare, at its sole and absolute discretion, shall determine whether any information transmitted or received violates this provision.

You agree to indemnify and hold Cigna Healthcare and its employees, officers, directors and agents harmless from any claim or demand, including legal costs, made by a third party arising from any material you contribute to Message Boards or Chat Rooms you access via Cigna.com.hk.

You understand that Cigna Healthcare has no obligation to monitor Message Boards or Chat Rooms, although we reserve the right to do so in respect any and all information transmitted or received through Cigna.com.hk which may be examined, recorded, copied, and used in accordance with our Privacy Statement and you acknowledge that use of Cigna.com.hk constitutes consent to such activity by Cigna Healthcare. Cigna Healthcare reserves the right at all times to disclose any information regarding the Message Boards or Chat Rooms (provided it is in accordance with our Privacy Statement if it involves personal information), or to remove any information or materials, in whole or in part, that in Cigna Healthcare 's sole and absolute discretion are objectionable.

When using Cigna.com.hk, please be certain that anything you disclose does not compromise your personal safety. Please do not provide your name, phone number, social security number or any other personally identifying information to people you do not know. Please do not continue any conversation online that makes you feel uncomfortable.

Transactions conducted through the Internet may be subject to interruption, blackout, delay or error. Without prejudice to the section of “Limitation of Liability” below, Cigna Healthcare shall not be liable or responsible for

1. any direct, indirect or consequential loss or damages arising from or in connection with Cigna Healthcare carrying out, not carrying out or delay in processing your online instructions; and
2. any direct, indirect or consequential loss or damages attributable, wholly or in part, to any cause beyond the reasonable control of Cigna Healthcare including but not limited to any equipment malfunction.

While we take all user's security and confidentiality seriously, you acknowledge and agree that there is inherent risk over a public medium like the Internet and it is not possible to have absolute security confidentiality over the Internet and Cigna Healthcare shall not be liable or responsible for any loss or damages that anyone suffered in this regard.

By accessing Cigna.com.hk, you acknowledge and agree that to the fullest extent permitted by law, under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will Cigna Healthcare, its officer, director and employees be liable or responsible to anyone for any loss or damages of any kind arising from or in connection with the use of Cigna.com.hk or any information, goods or services obtained on Cigna.com.hk, including direct, indirect, consequential, incidental, or punitive damages (even if Cigna Healthcare has been advised of the possibility of such damages).

Financial calculators/calculations available at Cigna.com.hk are provided for illustrative purposes only. You are responsible for verifying the accuracy and suitability of all assumptions and calculations. Please seek independent advice from licensed and/or competent professionals before making any investment or financial planning decisions. All information and calculations in Cigna.com.hk are not intended to and do not constitute financial, legal, accounting or tax advice and shall not be relied upon by you in those regards.

You agree that, to the extent permitted by law, any and all personal data relating to you collected by Cigna Healthcare and/or via Cigna.com.hk from time to time may be used and disclosed in accordance with:

1. Privacy Statement of Cigna Healthcare (as may be amended from time to time) which is posted on Cigna.com.hk; and
2. the Personal Information Collection Statement of Cigna Hong Kong

The English text in these Legal Disclaimer & Conditions of Use shall prevail in the event of any inconsistency or conflict between the English version and any translations (if any) thereof.

We reserve the right to make changes to Cigna.com.hk and these Legal Disclaimer & Conditions of Use. We encourage you to review these Legal Disclaimer & Conditions of Use periodically for any updates or changes. Your continued access or use of Cigna.com.hk shall be deemed as your acceptance of these Legal Disclaimer & Conditions of Use and any changes and the reasonableness of these standards for notice of changes. If you do not agree with these Legal Disclaimer & Conditions of Use, please exit Cigna.com.hk. Use of Cigna.com.hk (including any products and services made available on Cigna.com.hk) shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region of the People's Public of China ("Hong Kong"), without giving effect to its conflict of law provisions. You agree that any legal action or proceeding arising from or in connection with the use of Cigna.com.hk (including any products and services made available on Cigna.com.hk) shall be irrevocably submitted to the exclusive jurisdiction of the courts of Hong Kong. If any provision of these Legal Disclaimer & Conditions of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Legal Disclaimer & Conditions of Use and shall not affect the validity and enforceability of any remaining provisions.

Last Updated: 30 Apr 2025