Critical Illness Insurance - HealthSecure Protection Booster | Cigna HK

The plan covers 53 critical illnesses with a benefit amount that gradually increases to match your growing risk, ensuring you have coverage for your golden years without overpaying during your youth.

  • 3 different plan levels with different sum insured and premium structure to suit your personal needs
  • Under all 3 plan levels, the sum insured is guaranteed to automatically increase after a designated period or at a time in life when your protection and financial needs are likely to change with the next life stage
  • Once your policy is issued, you can enjoy the guaranteed increase in protection without health reassessment
  • Cover up to 53 critical illnesses, including cancer, stroke and heart disease
  • Flexibility to retain the current sum insured under the yearly adjustable premium option

Enjoy up to 20%
premium discount off
selected bundle
purchase

Learn more

By submitting this form, I confirm that I agree to Cigna’s use and/or transfer of my personal data for direct marketing purposes, unless otherwise indicated by ticking the box below. I have read and accepted the Personal Information Collection Statement of Cigna.

3 different plan levels with different sum insured and premium structure to suit your personal needs.

Under all 3 plans levels, the sum insured is guaranteed to automatically increase after a designated period or at a time in life when your protection and financial needs are likely to change with the next life stage.

Option 1: Level premium1 with sum insured increasing up to HK$1,000,000. This option automatically increases your sum insured from HK$500,000 to HK$1,000,000 at the anniversary date after age 55.

Option 2: Level premium1 with sum insured increasing up to HK$2,000,000. Beginning from the sum insured at HK$500,000, this option automatically increases your sum insured by HK$500,000 every 5 years up to HK$2,000,000, starting at the anniversary date after age 55.

Option 3 – Yearly adjustable premium. Beginning from the sum insured at HK$500,000, this option automatically increases your sum insured by HK$500,000 every 5 years up to HK$2,000,000 while the premium is calculated at each anniversary date2.

Once your policy is issued, you can enjoy the guaranteed increase in protection with zero hassle.  No underwriting is required with each automatic increment of the sum insured even if the health condition of the person insured deteriorates with age.

The plan covers 53 critical illness, including cancer, stroke and heart disease. Once you are first confirmed and diagnosed as suffering from any of these 53 critical illnesses, 100% of the sum insured will be paid out, providing you with financial support during difficult times.

You can enjoy the flexibility to retain the current sum insured under the yearly adjustable premium option. Under Option 3, you can opt to not increase your sum insured further once your sum insured have reached HK$1,000,000 or HK$1,500,000, giving you more flexibility along the way.


Issue Age

Option 1 and 2: 15 days to age 50 (At last birthday)

Option 3: 15 days to age 64 (At last birthday)

COVERAGE AMOUNT

For details of the coverage, please click here.

EXCLUSIVE PRIVILEGES

Special offer : Purchase Cigna’s valuable protection bundles to enjoy extensive premium discounts.


Remarks:

Under Option 1 and Option 2, the premium is calculated according to age, sex and smoking habit of the person insured and the plan level at policy commencement date.
Under Option 3, the premium is calculated according to age, sum insured, sex and smoking habit of the person insured as at each anniversary date of the policy.
Under Option 3, the policyholder can opt to decline the automatic increase of sum insured for one time during the policy term.


Plan level
Option 1
Level premium with sum insured increasing up to HK$1,000,000
Coverage
Age on Anniversary Date Sum Insured (HK$)
15 days to 54 $500,000
55 and thereafter1 $1,000,000
Plan level
Option 2
Level premium with sum insured increasing up to HK$2,000,000
Coverage
Age on Anniversary Date Sum Insured (HK$)
15 days to 54 $500,000
55-59 $1,000,000
60-64 $1,500,000
65 and thereafter1 $2,000,000
Plan level
Option 3
Yearly adjustable premium
Coverage
Policy Year Sum Insured (HK$)
1-5 $500,000
6-10 $1,000,000
11-15 $1,500,000
16 and thereafter1 $2,000,000

Remarks:
The policy will be automatically terminated when the policy anniversary date coincident with or immediately following the date on which the person insured reaches the age of 80.

For detailed coverage amounts for each of the Benefits, please click here.

Terms & Conditions

Case 1

Policyholder: John

Current age : 65 (non-smoker)

Background: John works as a director in an IT firm. He has two children, both of whom are in university. He purchased Cigna HealthSecure Protection Booster at age 38 to enjoy a peace of mind and guaranteed protection throughout his life stages.

Plan level: 

Cigna HealthSecure Protection Booster
(Option 2 - Level premium with sum insured increasing up to HK$2,000,000)

 

Age 38

John purchased Cigna HealthSecure Protection Booster (Option 2 – Level premium with sum insured increasing up to HK$2,000,000)

Age 55

The sum insured automatically increased to HK$1,000,000

Age 60

The sum insured automatically increased to HK$1,500,000

Age 65

The sum insured automatically increased to HK$2,000,000

John unfortunately suffers from a heart condition that requires urgent coronary artery bypass surgery.

John receives a benefit payment of HK$2,000,000 under the plan and it enables him to relieve from his financial worries to support his family expenses.

Case 2

Policyholder: Simon

Current age : 48 (non-smoker)

Background: Simon works at a trading company. He has just been promoted, with his monthly salary increasing from HK$35,000 to HK$48,000. He is married and has a 3-year-old daughter. In addition to his individual medical insurance, he purchased Cigna HealthSecure Protection Booster at age 35 providing him with an added financial support during difficult times.

Plan level: 

Cigna HealthSecure Protection Booster
(Option 3 - Yearly adjustable premium)

Age 35

Simon purchased Cigna HealthSecure Protection Booster

(Option 3 – Yearly adjustable premium)

Age 40 

The sum insured automatically increased to HK$1,000,000 at the beginning of the 6th policy year.

Age 45

With a new baby coming, Simon expected the family expenditure would be drastically increased in the future.

In addition, he considered his individual medical insurance could cover his medical expenses if illness occurred, and hence the sum insured of HK$1,000,000 under Cigna HealthSecure Protection Booster would be sufficient.

Simon exercised the right to retain the current sum insured at HK$1,000,000 for the remaining years of the policy.

The sum insured did not increase to HK$1,500,000.

Age 48

Simon recently began suffering from rectal bleeding. He undergoes a colonoscopy and is diagnosed with late stage colon cancer, for which he receives surgery. Following the surgery, he receives 8 doses of chemotherapy. The following medical costs are incurred:

Treatment

Medical fees incurred

1st hospital confinement for colonoscopy

HK$36,000

2nd hospital confinement for endoscopic colectomy

HK$170,000

8 doses of chemotherapy in hospital

HK$216,000

Total

HK$422,000

For a better chance of recovery, Simon decides to resign for a year following his treatment. During this time, he has no income.

All medical expenses are fully covered under his individual medical insurance plan. In addition, Simon receives a payment of HK$1,000,000, which is equal to 100% of his sum insured under Cigna HealthSecure Protection Booster. This enables him to ease the financial needs. Luckily, with protection from his individual medical insurance plan and Cigna HealthSecure Protection Booster, Simon does not need to worry about his medical fees and family expenditure.

Health Plan Name

  • Level Premium

  • Coverage

Health Plan Name

  • Level Premium

  • Coverage

Health Plan Name

  • Level Premium

  • Coverage

Compare Cost

Have you smoked cigarettes in the past year?