¹ Person insured is required to join and complete a goal in wellness journey within 14 days of policy inception date ("Required Goal"). For family policies, either the policyholder of any person insured(s) aged 18 or above on the policy inception date, must complete the required goal
² Reward is calculated based on a family of 4, including 2 adults and 2 children
³ The Policy Holder for single policy and family policies is eligible for an additional 2-month premium discount (applicable to a single policy) or an additional 3-month premium discount(applicable to family policies) at renewal in the 2nd Policy Year , provided that no claims have been paid or submitted for the 1st Policy Year, including claims submitted after the 2nd Policy Year Renewal Date. Family policies are eligible for an additional 3-month premium discount at renewal in the 3rd Policy Year if no claims have been paid or submitted for the 1st and 2nd Policy Years, including claims submitted after the 2nd and 3rd Policy Year Renewal Dates
⁴ Applies to a family of four, with each eligible policy's maximum discount being 13.6 months in the first 3 years
⁵ The first and second policy year’s premium discount is o nly applicable to plans with deductible of HKD15,000 / HKD30,000 / HKD60,000 deductible, regardless of room type or area of cover
⁶ Subject to providing proof that a specified event has or is expected to occur
⁷ Subject to prior approval, annual benefit limit, designated room type and area of cover
⁸ Please refer to the product brochure for detailed benefit limits
⁹ Cigna Care Manager Service is a value-added service and subject to terms and conditions. Medical support service and value-added services arranged by Care Manager are subject to individual cases
¹⁰ Value-added services are subject to individual cases
¹¹ With pre-approval, you won’t need to pay a deposit to your medical providers or make a claim on medical expenses after discharge, whether you’re in Hong Kong or overseas. It is subject to prior approval, annual benefit limit, designated room type and area of cover
¹² Premium is calculated based on a male, aged 27, selecting Dental Benefit plan 1 and Cancer Benefit plan 1
¹³ Premium is calculated based on the standard premium of a 20-24 years old insured, non-smoker, and selecting a ward room plan with HKD50,000 deductible
¹⁴ Premium is calculated based on a 18-year-old male, non-smoker, and selecting semi-private room with HKD50,000 deductible