Critical Illness Insurance, Cancer & Inpatient Coverage | Cigna HK

CIGNA PREVENTIVE CI-SURGICAL +

Be proactive against critical illness
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No claim bonus
50% OF PAID PREMIUM
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Critical Illness Benefit
COVERS 53 ILLNESSES

PLAN BENEFITS

Cigna Preventive CI-Surgical + provides comprehensive critical illness protection, with an advance payment up to 10% of the sum insured if you had to undergo surgery related to the coronary artery, or HK$10,000 for surgery due to a benign tumor or a carcinoma-in-situ. Enroll now to take control of your health and well-being.

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PREVENTIVE INPATIENT SURGICAL BENEFIT TO ENCOURAGE EARLY TREATMENT

Advance lump sum payment of 10% of sum insured for Angioplasty and Other Invasive Treatment for Coronary Artery, or HK$10,000 per policy year (up to a maximum of 10% of sum insured per policy) for Removal of Benign Tumour and Carcinoma-in-situ.

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COVERS 53 CRITICAL ILLNESSES

Covers up to 53 critical illnesses, including cancer, stroke and Myocardial Infarction.

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No Claim Bonus

Every 5 years, we will refund 50% of your total premium paid during that period if you did not make a claim.

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Free Annual Health Check-Up

Comprehensive Health Check-up, which includes complete physical examination, diabetes screening, blood lipids, kidney function, and more.

COVERAGE DETAILS
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Plan Type, Policy Term and Premium Structure of Basic Plan
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Preventive Inpatient Surgical Benefit
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Critical Illness Benefit
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Free Annual Health Check-up
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No Claim Bonus
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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 with cash value.
  • 1 year and Annually Renewable.
  • The plan provides a protection period of 1 year and renewable until age 80 of person insured, with payment period until the end of protection period. Premium Rate will increase with Age, and yearly adjustable.
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Preventive Inpatient Surgical Benefit
  • Advance lump sum payment of 10% of sum insured for Angioplasty and Other Invasive Treatment for Coronary Artery
  • Advance lump sum payment of HK$10,000 per policy year (up to maximum of 10% of sum insured per policy) for Removal of Benign Tumour and Carcinoma-in-situ
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Critical Illness Benefit

The plan covers 53 critical illness, including Cancer, Stroke and Myocardial Infarction. Once you are confirmed and diagnosed as suffering from any of these 53 critical illnesses, 100% of the sum insured will be paid out (less any advance payment made from the Preventive Inpatient Surgical Benefit), providing you with financial support during difficult times.

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Free Annual Health Check-up

Comprehensive Health Check-up, which includes complete physical examination, diabetes screening, blood lipids, kidney function, electrocardiogram and pap smear (for women)/prostate specific antigen (for men).

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No Claim Bonus

Every 5 years, we will refund 50% of your total premium paid during that period if you did not make a claim.

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Coverage Amount

Choose from four sum insured amounts based on your financial needs:

  • HK$200,000
  • HK$300,000
  • HK$400,000
  • HK$500,000
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Exclusive Privileges

Life-time 10% premium discount if you enroll together with your spouse or dependent

TERMS & CONDITIONS

Advance payment for Angioplasty and Other Invasive Treatment for Coronary Artery is equal to 10% of Critical Illness Benefit and is paid out in advance from the Critical Illness Benefit. This benefit has a waiting period of 90 days.

Advance payment of HK$10,000 per policy year for Removal of Benign Tumour and Carcinoma-in-situ and is paid out in advance from Critical Illness Benefit. Multiple claim for this benefit is allowed provided the surgery is performed on different organs or sites. This benefit has a waiting period of 180 days.

Critical Illness benefit has a waiting period of 90 days.

Applicant must submit application for his/ her spouse or dependent (the 2nd person insured) within 28 days of the effective date of the 1st policy to enjoy 10% premium discount for both policies. Applicant and the 2nd person insured do not need to enroll for the same plan level.

Cigna reserves the right to change the terms and conditions of any of the promotional offers relating to the health check-up services without any prior notice. In case of dispute, the decision of Cigna shall be final.

Policy term is subject to the final decision of Cigna.

The above information is for reference only and does not constitute any contract or any part thereof between Cigna and any other parties. Please refer to the policy provisions for details. Cigna will be happy to provide a specimen of policy upon your request.

The above insurance plan is underwritten by Cigna Worldwide Life Insurance Company Limited.

Cooling-off right and Policy Cancellation

You may cancel your policy and obtain a refund of any premium(s) and levy paid by you within the cooling-off period. The cooling-off period is the period of 21 calendar days immediately following either the day of delivery of the policy or the cooling-off notice to you or your nominated representative (whichever is the earlier). The cooling-off notice is a notice that will be sent to you or your nominated representative by Cigna Worldwide Life Insurance Company Limited to notify you of the cooling-off period around the time the policy is delivered. To exercise this right, a written notice of cancellation must be signed by you and received directly by Cigna Worldwide Life Insurance Company Limited at 16/F, International Trade Tower, 348 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong within the cooling-off period. No refund can be made if a claim has been made.

After the cooling-off period, the Policy Holder can request cancellation of the policy by giving thirty (30) days prior written notice to the Company, provided that there has been no benefit payment under the policy during the relevant Policy Year. However, there shall be no refund of premium paid for such policy cancellation after cooling-off period.