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Cathay Exclusive Rewards
Limited‑time 5,000 mileage rewards
Enjoy member‑only rewards with Cathay: earn up to 5,000, featuring 3,000 welcome offer and a limited‑time bonus 2,000 for the product launch.
Up to 50% off premium discount
Unlock 35% off on a single purchase and enjoy an uplift to 50% off discount when you enrol together with 2 to 5 people.
Coverage summary
Receive 100% of the Sum Insured upon diagnosis of any of the 58 covered critical illnesses, including cancer, stroke, heart attack and organ failure, subject to the policy terms, conditions and exclusions.
Enjoy flexible coverage options with a Sum Insured from HKD300,000 to HKD4 million.
Advance 20% of the Sum Insured for each diagnosis of early stage conditions, including Carcinoma-in-situ (claimable up to 2 times in different organs), Early Stage Cancer, Surgery Coverage, and Juvenile Critical Illnesses.
Advance 20% of the Sum Insured for eligible procedures across multiple body systems, counted under the Early Stage Critical Illness Benefit.
Complimentary access to an independent second medical opinion from globally renowned medical centres for diagnosis and treatment planning.
5‑year term critical illness insurance plan, offering guaranteed renewal up to age 85.
Benefit details
| Product type | Basic plan | ||||||||||
| Premium structure | 5-year Term5 | ||||||||||
| Premium payment frequency | Annually / Monthly | ||||||||||
| Entry age (at last birthday) | 15 days to age 65 | ||||||||||
| Benefit term | 5 year term, guaranteed renewal up to age 85 of the Insured | ||||||||||
| Policy currency | HKD | ||||||||||
Sum Insured |
Minimum amount: HKD300,000
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| Critical Illness Benefit6 | 100% of Sum Insured (less any Early Stage Critical Illness Benefit paid or payable; less any indebtedness) |
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| Early Stage Critical Illness Benefit6 | Advances 20% of Sum Insured6 (less any indebtedness) |
Dual protection from critical illness insurance and medical insurance
| Critical illness insurance | Medical insurance | |
| Coverage | Covers critical illnesses and early stage critical illnesses | Covers hospitalisation, surgery, outpatient treatment, and other eligible medical expenses |
| Benefit type | Lump sum compensation that may help replace income and support daily living | Reimbursement of actual medical expenses incurred |
| Benefit usage | Flexible use for living expenses, recovery, or family needs to maintain quality of life | Covers eligible hospitalisation and medical costs |
| Payout | Immediate lump sum compensation upon diagnosis | Reimbursements made after treatment, based on actual expenses or via Cashless Medical Service |
| Purpose | Aims to provide financial support to help you and your family reduce economic stress, enabling you to focus on recovery | Provides comprehensive medical support across all stages of health journeys from prevention, diagnosis, treatment, to recovery. Eases treatment burden and includes rehabilitation, extended care benefits and value-added services |
Our partner
Cigna Healthcare
CIGNA Worldwide General Insurance Company Limited (Cigna Healthcare) is a global health service provider with a worldwide network of healthcare providers, clinics and facilities. This insurance plan is underwritten by Cigna Healthcare.
Cathay Pacific Airways Limited is an insurance agency (License No.: FA3522) authorised by Cigna Healthcare for the distribution of general insurance products in HKSAR.
Case Study
Rex, 38 (Non-smoker)
Rex was at the peak of his career, focused on building a stable and fulfilling life. As a young professional, he understood that health risks could arise unexpectedly. To protect himself from the financial impact of serious illness, he chose to enrol in Cigna Healthcare VitalGuard Critical Illness Plan™.
Sum Insured: HKD1,500,000
Monthly premium at policy inception: HKD6844
The examples are hypothetical and for illustrative purposes only and assume that all premiums are paid in full when due, and underwriting requirements and claims requirements of the benefits are fulfilled.
100% of the Sum Insured: HKD1,500,000
Three years into his policy, Rex began experiencing unusual symptoms. After medical evaluation, he was diagnosed with Lung Cancer, one of the 58 covered critical illnesses under the plan.
Rex required surgery and chemotherapy, and was unable to work for 18 months. Beyond the physical toll, he faced immense emotional stress and was afraid to rely on him and his family’s savings to cover daily expenses.
Frequently asked questions
Help and support
More insurance products
1 The 110 diseases and surgeries include 58 critical illnesses, 4 early stage critical illnesses, 43 surgeries, and 5 juvenile critical illnesses. Please refer to the policy provisions for details.
2 This service is a value-added service provided by an independent third-party service provider and does not form part of the contractual benefit under your policy. Cigna Healthcare reserves the right to amend or cancel the service at any time without prior notice at its absolute discretion. Cigna Healthcare is not the service provider for this service. The relevant service provider is not our agent, and vice versa. We make no representation, warranty or undertaking as to the quality and availability of the service, and do not accept any responsibility or liability for the service provided by the service provider. Under no circumstances will Cigna Healthcare be responsible or liable for acts or omissions of the service provider in the provision of the service
3 The “Worldwide Second Medical Opinion Service” is an independent opinion provided by the global medical centre and does not represent Cigna Healthcare’s clinical stance. It is intended to supplement the information the Insured Person has already received from his/her attending doctor and should not be used to substitute the attending doctor’s recommendations
4 Premium is non-guaranteed and may be adjusted at each policy anniversary. This is a 5 year term policy and is renewable upon expiry, up to age 85 of the Insured Person. Cigna Healthcare reserves the right to
5 For full details of the benefit coverage and Sum Insured, please refer to the benefit schedule
6 The aggregate amount of all benefits paid and payable in respect of each claim of Early Stage Critical Illness Benefit under all critical illness policies issued by the company shall not exceed HKD400,000. For each claim, the payable amount will be limited to the lesser of (i) 20% of the Sum Insured or (ii) HKD400,000 less the total amount of benefits paid and/or payable in respect of the same Early Stage Critical Illness under all other policies of Cigna Healthcare VitalGuard Critical Illness PlanTM for the same insured person issued by the company
7 Premium is calculated based on a 30-year-old male, non-smoker, and selecting the Asia semi-private room plan with HKD15,000 deductible
8 Calculated based on an aged 18 year old insured person, non-smoker selecting the semi-private room plan with HKD50,000 deductible
9 Calculated based on a male, aged 27, selecting Dental Benefit plan 1 and Cancer Benefit plan 1
10 Calculated based on the standard premium of a 20-24 years old insured person, who selecting a ward room plan with HKD50,000 deductible