Cancer Medical Insurance With Savings & Surgical Coverage | Cigna HK

CIGNA 108%
HEALTH SPECTRA

10-year medical cover with a
cancer cash benefit and a 108% refund.
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Extra cash value
108% OF TOTAL PREMIUM PAID
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6-year premium term for a
10-YEAR medical coverage

PLAN BENEFITS

With just six years of premium payment, Cigna 108% Health Spectra provides you with ten years of medical coverage, including surgical and hospitalization expenses . Upon maturity at the end of the tenth policy year, you will receive a refund of 108% of your total premium paid, adding value to your wealth!
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10-year Medical Protection
Comprehensive medical coverage including hospitalization expenses, in-patient surgical and out-patient surgical expenses, post-surgical expenses and carcinoma-in-situ benefit.
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Extra Cash Value
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.
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Lump-sum Cancer 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.
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Supports Hong Kong Dollar and US Dollar
The premium is fixed during the six-year premium term, enabling you to manage a predictable financial plan. Three protection levels in Hong Kong or US dollars are designed for your different needs.
Coverage Details
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PLAN TYPE, POLICY TERM AND PREMIUM STRUCTURE OF BASIC PLAN
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MEDICAL REIMBURSEMENT
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CASH VALUE
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LUMP-SUM CANCER BENEFIT
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ISSUE AGE
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PREMIUM STRUCTURE
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COMPLIMENTARY BENEFITS
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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 life protection, hospitalization and critical illness protection. It is a non-indemnity insurance policy for critical illness and an indemnity insurance policy for hospitalization benefit with cash value.
  • Long-term policy
  • The plan provides 10 years of protection period, with 6 years of payment period, and level and guaranteed Premium.
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MEDICAL REIMBURSEMENT

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.

Common expenses such as hospital room & board benefit, in-patient surgical and out-patient surgical expenses as well as post-surgical expenses are covered.

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

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CASH VALUE

You will receive 108% of your total premium paid at the end of the 10th year of your policy. You can 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.

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LUMP-SUM CANCER 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.

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ISSUE AGE

From 15 days to age 65

Renewable till age 65

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PREMIUM STRUCTURE

The premium is fixed during the six-year premium term, enabling you to manage a predictable financial plan. Three protection levels in Hong Kong or US dollars are designed for your different needs.

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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.

ILLUSTRATIONS
Breadwinner of the family
Working mother
Sam 41
Breadwinner of the family
Sam is married with a daughter and a son, and he is at age 41 and a non-smoker. He is the breadwinner, and he works hard to support his family as well as his parents’ living expenses. He enrolls Cigna 108% Health Spectra Plan 2.

Age 45
During a routine body checkup, Sam is discovered to have a 1 cm colorectal polyp. Under the advice of his doctor, Sam undergoes an immediate resection of the polyp at a private hospital, where he stays for 3 days for the treatment.

Age 48
Sam is discovered to have another colorectal polyp. He stays in the hospital for 3days to undergo a resection of the polyp. Unfortunately the doctor confirms his diagnosis of Colorectal Carcinoma-in-situ (CIS). After undergoing examinations and monitoring, he gradually recovers after several months.

Benefit ItemsBenefit Paid(HK$)
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)
Sam receives:
(Medical reimbursement, CIS Benefit & 108% premium paid)
HK$290,490
His total premium paid:
HK$175,176
Carl 30
Working mother
Carol is married with a son, and he is at age 30 and a non-smoker. She is a working mother, and she is supporting her family’s household expenses. She enrolls Cigna 108% Health Spectra Plan level 3.

Age 35
Carol’s medical report indicates that there are two lumps in her right breast. After several tests and scans, she is diagnosed with Ductal Carcinoma-in-situ (CIS). She takes her doctor’s advice and undergoes immediate surgery to have the lumps removed.

Age 37
Unfortunately, Carol is diagnosed with Stage II ovarian cancer two years later. She is advised by her doctor to undergo surgery and receive chemotherapy

Benefit ItemsBenefit Paid(HK$)
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)
Carol receives:
(CIS benefit and Cancer Benefit)
HK$540,552
Her total premium paid:HK$240,552
TERMS & CONDITIONS

Premium

1. Premium Level

The premium level of Cigna 108% Health Spectra corresponding to the plan level you select is determined based on age, gender and smoking habit of the person insured at policy commencement.

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 this policy, until we receive payment of all outstanding premium up to the date of the claim payment or when this policy terminates.

3. Mis-statement of Age and Sex

If age or sex 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

We have the absolute right and discretion to adjust the premium payable under the policy upon the renewal of each policy term. Factors leading to premium adjustment may include but are not limited to our experience in claims, surrender, investment return, and expenses incurred by and/or in relation to this product.

Benefits

  1. Benefits in general

    If your diagnosis is made in mainland China, the benefit payment is payable only if the diagnosis is made in a hospital of 3A grade or above.

  2. Hospital Room and Board Benefit and Inpatient Surgical Benefit

    If the person insured uses a higher level of hospital facilities and services than that to which he is entitled under this policy, the benefit amount payable shall be lowered. The Hospital Room and Board Benefit and Inpatient Surgical Benefit shall not be payable for the class of suite/ VIP/ deluxe room of a hospital.

  3. Cancer Benefit

    The lump sum Cancer Benefit will be paid if the person insured suffers from a first confirmed diagnosis of cancer and has survived for 30 days thereafter. If the person insured dies within 30 days after the first confirmed diagnosis of cancer, only the Compassionate Death Benefit will be paid.
    The Cancer Benefit is subject to a waiting period, which refers to 90 days from the issue date or the commencement date (whichever is the later), or any approval date of reinstatement of your policy. Please refer to the key exclusions for details.

  4. Carcinoma-in-situ (CIS) benefit

    If the person insured suffers from a first confirmed diagnosis of carcinoma-in-situ, we will pay the Carcinoma-in-situ (CIS) Benefit in a lump sum, and the benefit amount under the Cancer Benefit will be reduced accordingly.
    The Carcinoma-in-situ Benefit is subject to a waiting period, which refers to 180 days from the issue date or the commencement date (whichever is the later), or any approval date of reinstatement of your policy. Please refer to the key exclusions for details.

  5. Renewal

    Subject to our rights to terminate or amend the terms and conditions of this policy, this policy is renewable after the end of the tenth policy year provided that we continue to issue new policy(ies) under “Cigna 108% Health Spectra” and the following conditions are fulfilled at the time of each renewal:

    • the person insured's age does not exceed 65;
    • the benefit amount of the policy selected is not increased; and
    • the person insured meets our underwriting criteria.
  6. Termination
    1. The policy will be automatically terminated when one of the following happens:
      • The policy is not renewed upon the maturity date;
      • The person insured reaches the age of 75;
      • Any premium is not paid at the end of the grace period;
      • The Cancer Benefit is fully paid; or
      • The person insured passes away.
    2. If there is any fraud, mis-statement or concealment in the application or declaration, or if you or your beneficiary makes a dishonest claim, we have the right to cancel this 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 this policy.
      • Exchange rate risk

        Any transaction involving foreign currencies involves exchange rate risk. Upon currency conversion, the amount you receive and the premium you pay may vary as a result of changes in the exchange rate. You should consider the currency risk and decide which policy currency you should take.

      • Inflation risk

        While your current planned benefits will not be adjusted during the 10-year policy term, future medical costs may be higher than they are today due to inflation.

      • Key Exclusions

        Please refer to the product brochure for key exclusions.

        The above insurance plan is underwritten by Cigna Worldwide Life 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.