- This product is a standalone individual policy. The basic plan provides life protection, which can be added with options benefits of terminal illness, accidental permanent total disability and other medical protection. The policy provides both indemnity and non-indemnity benefits. It does not contain any cash value.
- Long Term Life Insurance.
- The basic plan provides a protection period to age 100, with a payment term until the end of protection period. Premium rate is level and guaranteed.
- Total basic premium paid within the first two policy years
- 100% of sum insured from the third policy year onwards
An additional 100% of the sum insured will be paid if the life insured passes away due to an accident.
From age 55 - 85
For details of the insurance coverage, please click here and refer to the product brochure.
- Medical check-up discount coupon
- Free eye test (Cataract & Glaucoma) coupon
- Hearing assessment coupon
Accidental Daily Hospital Income Benefit
Daily Hospital Income up to HK$1,000 per day will be paid if the life insured is hospitalized due to an accident. The maximum benefit period is 180 days per hospital stay.
Accidental Total and Permanent Disability Benefit
An additional lump sum payment equivalent to the sum insured will be paid if the life insured suffers from Total and Permanent Disability due to an accident.
Terminal Illness Benefit
An advance lump sum payment equivalent to 50% of the Death Benefit will be paid if the life insured contracts a terminal illness.
The above product information is a summary of plan benefits which does not contain the full terms of the policy and the full terms can be found in the policy document.
Cigna Senior Life Plan is available for Hong Kong ID card holders only.
You can only hold one "Cigna Senior Life Plan" or "Cigna Senior Serenity Plan" at the same time.
Regarding Accidental Daily Hospital Income Benefit, maximum benefit period will be 90 days per hospital stay if hospitalization occurs in Mainland China or Macau SAR.
Terminal Illness Benefit will be effective 90 days after policy issuance.
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.
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.