Miss Chan is not covered by any company group medical plan. She finds Cigna DIY Health Plan a flexible option to provide adequate protection that best suit her needs.

Benefit items

Take core outpatient benefit as an example. Miss Chan can pay maximum 50 visits per policy year:

• Outpatient at her own cost before getting insured (assuming an average cost of HKD350):
  HKD350 x 50 visits = HKD17,500
• Outpatient at her own cost after getting insured (Co-payment for General Practitioner Consultation is HKD50 each time):
  HKD50 x 50 visits = HKD2,500
• Core outpatient benefit:
  HKD3,260 x 80% = HKD2,608

Hence, with Cigna DIY Health Plan, Miss Chan can save HKD12,392 in total, and earning Asia Miles from the plan at the same time.

The plan covers outpatient medical consultations, outpatient surgery, supplementary outpatient, dental, cancer and vision protection. You can select 1 or more protections that best suit your unique needs.

Only Cathay members who are 18 years old or above with a valid HKID can enrol in the plan, and the person insured must be aged 15 days or above (subject to benefits).

Simply present your digital Cigna medical card on your smartphone and you can enjoy a discounted consultation fee at over 4,900 medical service options in Hong Kong – no claim submission required.

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.

You have the right to cancel the policy at any time by giving at least 30 days written notice to Cigna. If the policy is cancelled during a policy year, Cigna reserves the right to charge you the premium until the end of such policy year. Before you purchase a policy, we suggest you read through the product details carefully or contact Cigna Customer Advisor to learn more.