CIGNA 108% HEALTH SPECTRA
10-year medical cover with a cancer cash benefit and a 108% refund.
Plan Benefits
Enjoy a 10-year cover on hospitalization and surgical expenses, and a HK$300,000 payment if you get cancer. Afterwards, you receive 108% of what you paid, whether or not you made a claim. The plan offers you medical insurance while protecting your savings and reducing the depreciation of your assets due to inflation.
- Comprehensive medical coverage including hospitalization expenses, in-patient surgical and out-patient surgical expenses, post-surgical expenses and carcinoma-in-situ benefit.
- You receive 108% of your total premium paid at the end of the tenth year of your policy. You receive this extra cash value even if you have made claims on hospitalization and surgical expenses, as well as carcinoma-in-situ benefit.
- An extra lump-sum cancer benefit of up to HKD300,000 will be offered on top of the 100% total premium paid for the first confirmed cancer diagnosis.
- Fixed premium during the six-year premium term.
Plan Benefits
Cigna Health4Kids Premium
Refundable Plan offers
maturity return up to
118% of total basic
premium paid.
Learn More
Coverage Details
Three protection levels in Hong Kong dollars or US dollars are designed for your different needs.
Common expenses such as hospital room & board benefit, in-patient surgical and out-patient surgical expenses as well as post-surgical expenses are covered.
In-patient surgical expenses benefit covers surgeon’s fee, anaesthetist’s fees and operating theatre fee. Post-surgical expenses benefit covers outpatient expenses and auxiliary treatment e.g. Chiropractor treatment, physiotherapy.
You receive 108% of your total premium paid at the end of the tenth year of your policy. You receive this extra cash value even if you have made claims on surgical, hospitalization and post-surgical expenses, as well as carcinoma-in-situ benefit.
Carcinoma-in-situ (CIS) benefit and cancer benefit are offered to help you during your difficult time. At the first confirmed cancer diagnosis, a lump-sum cancer benefit of up to HK$300,000 will be offered on top of 100% total premium paid.
The premium is fixed during the six-year premium term, enabling you to manage a predictable financial plan.
Issue Age
15 days to age 65
Renewable Till
Age 65
Insurance Coverage Amount
For detailed coverage amounts for each of the Benefits, please click here.
COMPLIMENTARY BENEFITS
Annual discount coupons for body check-ups and spinal health assessments.
The coupons will be issued with your policy document pack, as well as 30 days after each policy anniversary thereafter.
Plan Illustration
The following examples are hypothetical and for illustrative purpose only.
Policyholder: Sam, age 41, non-smoker
Marital status: Married, with a daughter and a son
Background: As the sole breadwinner, Sam works hard to support his family as well as his parents' living expenses
Current plan level: Cigna 108% Health Spectra Plan 2
Age 41
Purchases Cigna 108% Health Spectra Plan 2
Age 45 (5th policy year)
Medical reimbursement:
HK$22,400
- Hospital room & board HK$800 x 3
- In-patient surgical expenses HK$20,000
Age 48 (8th policy year)
Medical reimbursement & CIS Benefit
Medical reimbursement & CIS Benefit:
HK$78,900
- Hospital room & board HK$800 x 3
- In-patient surgical expenses HK$30,000
- Post-surgical expenses HK$1,500
- CIS Benefit HK$45,000
Age 50 (10th policy year)
Policy matures with 108% premium paid:
HK$189,190
- 108% x 72 months x HK$2,433
(108% x 72 months x Monthly Premium Paid)
Policyholder: Carol, age 30, non-smoker
Marital status: Married, with a son
Background: Carol is a working mother, supporting her family’s household expenses
Current plan level: Cigna 108% Health Spectra Plan level 3
Age 30
Purchases Cigna 108% Health Spectra Plan 3
Age 35 (6th policy year)
Medical reimbursement: HK$90,000
Age 37 (8th policy year)
Amount received for the first confirmed cancer diagnosis:HK$450,552
72 months x HK$3,341 + HK$300,000 - HK$90,000
(72 months x Monthly Premium Paid + Cancer Benefit - CIS Benefit paid)
