Cigna DIY: Design your own health insurance plan | Cigna HK

Cigna DIY Health Plan

Pick your own health protection
Get a Call Back
By submitting this form, I confirm that I agree to Cigna's use and/or transfer of my personal data for direct marketing of its related insurance products and services. I have read and accepted the Personal Information Collection Statement of Cigna.
Please provide valid information
Contact Me
THANK YOU
A CIGNA AGENT WILL CONTACT YOU SOON

SUBSCRIBE TO OUR SMART HEALTH BLOG FOR THE LATEST HEALTH TIPS

SORRY ABOUT THIS...

 

We are having trouble with your request. Please try again later.

icon_promo2@2x.png
Freely choose from 7 benefits according to your needs
icon_price@2x.png
As low as HK$8 per day

Your DIY Health Protection

Fed up with one-size-fits-all insurance plans? Need more flexible options? Cigna DIY Health Plan enables you to tailor your own health insurance according to your needs. You can customize your protection to close your protection gaps, leaving you free to pursue your dreams!
icon_notes_on@2x
Design your own health protection
With 7 valuable benefits to choose from, including core outpatient, outpatient surgery, supplementary outpatient, dental, accident, cancer and vision, there are up to 128 unique cover combinations, ensuring there’s one that’s right for you.
icon_protect@2x
Boost your protection with affordable premiums
For as low as HK$8 per day*, you can protect your finances from unexpected medical costs and bring your cover up to date by adding Cigna DIY Health Plan to your overall medical protection.
icon_global@2x
Quick and Easy Online Application
Click here to access our unique, customer-friendly digital journey to tailor your health protection.
icon_flexible@2x
No health declaration is required
Choose your tailored benefits based on your current needs and life stage. Most benefits do not require medical underwriting.

*Premium is calculated based on a male, aged 27, selecting Dental Benefit plan 1 and Accident Benefit plan 1

COVERAGE DETAILS
icon_notes@2x
icon_notes_on@2x
Product Type
icon_stetoscope@2x
icon_stetoscope_on@2x
Tailor-made Health Insurance Plan
icon_star@2x
icon_star_on@2x
High-quality Clinic Network
icon_disease@2x
icon_disease_on@2x
Critical Support
icon_heartbeat@2x
icon_heartbeat_on@2x
Accident Benefit
icon_wallet@2x
icon_wallet_on@2x
Premium Payment Frequency
icon_lightbulb
icon_lightbulb_on
Exclusive Privileges
icon_notes@2x
Product Type

This product is a standalone individual health insurance plan which the major benefits aim to provide a mix of outpatient medical, cancer and accidental protection chosen by the customer. It is an insurance policy without cash value.

icon_stetoscope@2x
Tailor-made Health Insurance Plan

Click here to access our unique, customer-friendly digital journey to a tailored health insurance plan. We offer a wide range of benefits1 for you to choose from:

  • Core Outpatient Benefit covers visits to a network general practitioner, specialist, Chinese medicine practitioner or physiotherapist, along with basic medication – no claim submission required
  • Outpatient Surgery Benefit covers day-patient or clinical surgery
  • Supplementary Outpatient Benefit covers 6 types of supplementary therapies including acupuncture, Chinese bone-setting, chiropractic consultation, occupational therapy, dietetic guidance and speech therapy
  • Dental Benefit covers regular check-ups plus treatment and emergencies
  • Vision Benefit covers eye examinations and provide an allowance for glasses or contact lenses
icon_star@2x
High-quality Clinic Network

Simply present your digital Cigna medical card on your smartphone and you can enjoy a discounted consultation fee at network doctors – no claim submission required.

icon_disease@2x
Critical Support

Critical support of up to HK$1,000,000 if the Person Insured is diagnosed with cancer, or up to HK$300,000 for an early stage Malignancy and Carcinoma-in-situ.

icon_heartbeat@2x
Accident Benefit

A lump-sum payment of up to HK$1,200,000 for accidental death or monthly payments of up to HK$200,000 over a period of 6 calendar months for total and permanent disablement.

icon_wallet@2x
Premium Payment Frequency

Monthly or Annual2

icon_lightbulb
Exclusive Privileges

You will receive

a 10% discount on all premiums if you select two benefits;

20% discount for three benefits;

and 30% discount for four or more benefits.

Remarks:

  1. For any combination with Dental, Accident or Vision Benefits, at least 2 benefits must be chosen.
  2. For any combination with Core Outpatient, Supplementary Outpatient, Dental or Vision Benefits, premium payment frequency is limited to annual only.
FAQS
About Cigna DIY Health Plan
Who are suitable to apply for Cigna DIY Health Plan?
  • People who need supplementary medical coverage
  • People who are looking for a simple and basic medical coverage
What are the benefits available to choose from?
  • Core Outpatient Benefits
  • Outpatient Surgery Benefits
  • Supplementary Outpatient Benefits
  • Dental Benefits
  • Accident Benefits
  • Cancer Benefits
  • Vision Benefits
Why is it called Cigna DIY health Plan?
  • Because it’s the only health insurance in the market that enables you to fully customize your own plan with a choice of benefits
How is it different from traditional medical insurance?
  • Cigna DIY Health Plan enables you to tailor your own health insurance according to your needs. You can customize your protection to close your protection gaps, leaving you free to pursue your dreams!
How to apply for this product?
  • Click here to access our unique, customer-friendly digital journey to tailor your health protection.
TERMS & CONDITIONS
Important Information

The product information in this webpage does not represent the full terms of the policy and the full terms can be found in the policy document.

Medical Underwriting

Medical underwriting is waived except for policies with Cancer and/or Accident Benefit, where a simplified underwriting is required.

Renewal

This Policy shall be effective for an initial period of twelve (12) Calendar Months and thereafter renewable for successive twelve (12) Calendar Months each, at such premium rate and on such term as the Company determine at the time of each renewal. The policy will expire on the anniversary date if the policy is not renewed.

Mis-statement

If the age, sex, smoking habit and/or the class of risk of the Person Insured has been mis-stated and the Person Insured would still be eligible for insurance coverage under this Policy, we shall adjust the Premiums payable under this Policy based on the correct age, sex, smoking habit and/or the class of risk.

If the age, sex, smoking habit and/or the class of risk of the Person Insured has been mis-stated and the Person Insured would not have been eligible for insurance coverage under this Policy, the coverage provided by this Policy to such Person Insured would be void for the period during which the Person Insured is ineligible for coverage under this Policy and the liability of the Company during the period within which the Person Insured is not eligible for coverage shall be limited to a refund, upon written request, of that part of Premium paid for such period without interest provided always that where there is fraud on the part of the Person Insured and/or the Policyholder, no Premiums paid shall be refunded. The Company retains the right to recover any relevant claims previously paid hereunder.

Benefit Payment

Except for Accidental Death Benefit, we shall pay the benefit amount to you or if you are not living at the time of payment, to your estate, in Hong Kong dollar without interest.

For Accidental Death Benefit, we shall pay the benefit amount to the Beneficiary, and if no Beneficiary is designated or the Beneficiary is not living at the time of the payment, to the Policyholder.

Termination Conditions

The Policy shall terminate forthwith upon the occurrence of the earliest of the following events:

  1. the Anniversary Date on or the first Anniversary Date immediately following the Person Insured’s 75th birthday;
  2. the death of the Person Insured;
  3. the Policy is cancelled by the Policyholder by giving not less than 30 days’ notice in writing to the Company;
  4. the Policy is cancelled by the Company due to any misstatement in the application or declaration, fraud, any applicable sanctions rules or regulatory reasons;
  5. the Policy is not renewed; or
  6. at the end of a Grace Period when the Premium payable or any part thereof remains unpaid.
Premium Level and Non-Payment of Premium

The Premium is determined based on the age, sex, smoking habit and class of risk of the Person Insured on the Commencement Date and at the time of renewal of this Policy.

If you fail to pay the initial premium for the Policy, the Policy shall be deemed to be void as from the Commencement Date for all purposes. Accordingly, we shall not be liable to pay any benefit under the Policy. Except for the initial premium payment, a Grace Period of one (1) Calendar Month after any Premium Due Date will be allowed for payment of Premium or any part thereof. The coverage of this Policy will remain in force during this Grace Period. If the Premium or any part thereof remains unpaid at the end of the Grace Period, the Policy shall terminate on the Premium Due Date.

If the Policy is cancelled by the Policyholder during a Policy Year, the Company reserves the right to charge the Premium until the end of such Policy Year.

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 overall experience in claims and expenses incurred by and/or in relation to this product.

Inflation Risk

Your current planned benefit may not be sufficient to meet your future needs since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations.

Key exclusions of benefits
Key exclusions applicable to all Benefits We can’t cover claims that directly or indirectly results from or is consequent upon or contributed to by: (1) pregnancy and fertility or infertility treatment, (2) sexually transmitted diseases treatment; or (3) treatment for a related condition resulting from addictive conditions and disorders.
Core Outpatient benefit and Supplementary Outpatient Benefit We can’t cover claims that directly or indirectly results from or is consequent upon or contributed to by: (1) charges relating to birth control or sterilization of either sex, (2) treatment for congenital abnormalities and complications arising from congenital abnormalities, (3) injection fee, (4) diagnostic scanning, X-ray examinations, (5) physiotherapy treatment: Shockwave Therapy, Manual Therapy (orthopedic massage and manipulation), Hydrotherapy, (6) Radiotherapy and chemotherapy, (7) long term repeat medication; or (8) chronic illness.
Outpatient Surgery Benefit We can’t cover claims that directly or indirectly results from or is consequent upon or contributed to by: (1) fetal surgery or treatment, (2) the Person Insured’s voluntarily exposing himself/herself to any hazard or danger, (3) prosthesis, corrective devices and medical appliances, which are not intra-operatively required, (4) all organ transplantation, transplant procedures and acquisition of the organ itself to be used for organ transplantation; or (5) alternative treatment.
Accident Benefit We can’t cover claims that directly or indirectly results from or is consequent upon or contributed to by: (1) intentionally self-inflicted injuries, suicide or any attempt thereof, while sane or insane, (2) declared or undeclared war or any act thereof, (3) service of or on duty with the police or any Uniformed Forces of any nation, (4) Professional sports or hazardous activities; or (5) Excluded Occupation.
Cancer Benefit We can’t cover claims that directly or indirectly results from or is consequent upon or contributed to by: (1) pre-existing medical condition, (2) intentionally self-inflicted injuries, suicide or any attempt thereof, while sane or insane; or (3) any congenital abnormality or disorder.
Dental Benefit We can’t cover claims that directly or indirectly results from or is consequent upon or contributed to by: (1) filling for cosmetic reasons or non-decayed cases of trauma, erosion, attrition, abrasion and others, (2) dislodged fillings/replacement which is not caused by tooth decay, (3) extraction of retained roots, wisdom teeth, extraction of teeth for cosmetic or orthodontic purpose , (4) any re-treatment or any Endodontic, Periodontal, Prosthodontics and Oral Surgery conditions requiring specialist treatment; or (5) Specialist treatment fee.

This is only a general summary. For more details and a full list of exclusions, please refer to the Policy Provisions.