53 Critical Illness & Life Insurance | Flexible Protection Options | Cigna HK

CIGNA HEALTHSECURE PROTECTION BOOSTER

Early planning for timely protection
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Guaranteed sum insured increases for
HASSLE FREE PROTECTION
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Critical Illness Benefit
COVERS 53 ILLNESSES

PLAN BENEFITS

Cigna HealthSecure Protection Booster 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.

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FLEXIBLE PROTECTION OPTIONS

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

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GUARANTEED INCREASE IN PROTECTION

The sum insured is guaranteed to 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.

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WITHOUT FURTHER HEALTH ASSESSMENT

The sum insured will increase automatically without the need for further heath assessment even if your health has changed.

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COVERS 53 CRITICAL ILLNESSES

Covers up to 53 critical illnesses, including cancer, stroke and heart disease.

COVERAGE DETAILS
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Plan Type, Policy Term and Premium Structure of Basic Plan
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Plan Levels
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Critical Illness Benefit
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Guaranteed increase in protection
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Sum Insured
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Coverage Amount
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Exclusive Privileges
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Plan Type, Policy Term and Premium Structure of Basic Plan
  • This product is a standalone individual policy which aims to provide critical illness protection. It is a non-indemnity insurance policy without cash value.
  • Long-term policy
  • The plan provides a protection period until age 80 of person insured, with payment period until the end of protection period. Premium Rate will not increase with Age, but not guaranteed for Option 1 and 2. Premium Rate will increase with Age, and yearly adjustable for Option 3.
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Plan Levels

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 first policy anniversary date after your 55th birthday.
  • Option 2: Level premium1 with sum insured increasing up to HK$2,000,000. Your sum insured starts at HK$500,000 and will increase by HK$500,000 on the first policy anniversary date after your 55th birthday, and every 5 years afterwards until the sum insured reaches HK$2,000,000.
  • Option 3 – Yearly adjustable premium. Beginning at a sum insured of HK$500,000, this option automatically increases your sum insured by HK$500,000 every 5 years up to HK$2,000,000 and the premium is calculated at each anniversary date2.
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Critical Illness Benefit

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.

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Guaranteed increase in protection

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.

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Sum Insured

The sum insured for Option 1 and Option 2 will increase automatically at predetermined ages. Under Option 3, you can enjoy the flexibility to retain the current sum insured and opt to not increase your sum insured further once your sum insured has reached HK$1,000,000 or HK$1,500,0003.

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Coverage Amount

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

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Exclusive Privileges

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

Remarks:

  1. 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.
  2. 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.
  3. Under Option 3, the policyholder can opt to decline the automatic increase of sum insured for one time during the policy term.
  4. 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.
ILLUSTRATIONS
Director of an IT firm
Senior Manager of a trading Company
John
65 years old, a director in an IT firm, non-smoker
John works as a director in an IT firm. He has two children, both of whom are in university. He insured himself with 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)

TimelineAge
John insures himself with Cigna HealthSecure Protection Booster
(Option 2 – Level premium with sum insured increasing up to HK$2,000,000)
Age 38
The sum insured automatically increased to HK$1,000,000Age 55
The sum insured automatically increased to HK$1,500,000Age 60
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.
Age 65
Simon
48 years old, Senior Manager at a trading Company, non-smoker
Simon works at a trading company. He has just been promoted as a senior manager, 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 insured himself with Cigna HealthSecure Protection Booster at age 35 providing him with added financial support during difficult times.

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

TimelineAge
Simon insures himself with Cigna HealthSecure Protection Booster
(Option 3 – Yearly adjustable premium)
Age 35
The sum insured automatically increased to HK$1,000,000 at the beginning of the 6th policy year.Age 40
With a new baby coming, Simon expects the family expenditure would be drastically increased in the future.In addition, he considers his individual medical insurance would be able to 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 exercises the right to retain the current sum insured at HK$1,000,000 for the remaining years of the policy.The sum insured does not increase to HK$1,500,000.Age 45
Simon is diagnosed with late stage colon cancer. He has to undergo surgery and receive 8 doses of chemotherapy. The treatment costs HK$422,000 in total.
For a better recovery, Simon resigns from his job leaving him with no source of income. His individual medical insurance plan fully covers all his medical expenses. With Cigna HealthSecure Protection Booster, Simon receives a payment of HK$1,000,000, which equals to 100% of his sum insured. As a result, Simon does not need to worry about his medical and family expenditure.
Age 48
TERMS & CONDITIONS
Premium

1.Premium Level

For Option 1 and Option 2, the premium is determined based on the age, sex and smoking habit of the person insured and the plan level at policy commencement date.

For Option 3, the premium is determined based on the age, sum insured, sex and smoking habit of the person insured on policy commencement date and each anniversary date.

 

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, Sex and Smoking Habit

If age, sex or smoking habit has been mis-stated by you or any person insured but 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.Critical Illness Benefit

Upon the first confirmed diagnosis of a covered critical illness in respect of the person insured, 100% of the sum insured minus indebtedness (if any)  will be payable. The policy shall cease to provide any coverage to the person insured after the Critical Illness Benefit is paid.

 

2.Sum Insured

Once the policy is effective, the selected plan levels cannot be changed. Nevertheless, for Option 3, the policyholder may request to stay at the current level of sum insured for the remaining policy years, after the initial 5 policy years completed. Such request will only be accepted by the Company for one time during the policy term and will be subject to the Company’s approval.

Renewal

The policy 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 “Cigna HealthSecure Protection Booster”, and upon payment of the premium at time of renewal and the person insured’s age does not exceed 79. The Company reserves the right to revise the terms of the policy and/or the premium upon each renewal.

Termination
  1. The policy will be automatically terminated when one of the following happens:
    • The person insured passes away;
    • The policy is not renewed;
    • The person insured reaches the age of 80;
    • Any premium is not paid at the end of the grace period;
    • Critical Illness Benefit is fully paid. 
  2. If there is any fraud, mis-statement or concealment in the application or declaration, or if policyholder or person insured makes a dishonest claim, we have the right to cancel the policy immediately. In such case, all of the premium paid will not be returned and you shall immediately return all payment including claims paid by us under the policy.
KEY EXCLUSIONS

The following list is for reference only. Please refer to the policy provisions for the complete list and details of exclusions.

Under this plan, we do not cover any critical illness directly or indirectly caused by or resulting from any one or more of the following:

  • pre-existing condition;
  • any accident, bodily injury or illness sustained or suffered by the person insured which has occurred or which has been diagnosed or which has exhibited symptoms or which has required medical advice and/or treatment and/or the prescription of drugs prior to and/or during the Waiting Period;
  • intentionally self-inflicted injuries, suicide or any attempt thereof, while sane or insane;
  • alcohol abuse, the consumption of drugs not following a physician’s prescription, Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or infection with the Human Immunodeficiency Virus except “Infection due to Blood Transfusion” and “Occupationally acquired HIV” as defined in this policy; or
  • any congenital abnormality or disorder.

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.