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Cathay Exclusive Rewards
6,000 mileage rewards
Gear up for health effortlessly with tax deduction² and bonus miles in simple enrolment steps — earn 3,000 in the first policy year upon successful enrolment, and earn an additional 3,000 upon policy renewal in the second year, helping you move towards better health with peace of mind!
20% off premium discount
Enjoy a 20% off premium discount in the second policy year, allowing you to continue your comprehensive protection at a smarter price — offering thoughtful support for your ongoing health needs.
Coverage summary
Full cover from day 1 of the Policy Effective Period3.
Full coverage for various medical expenses with an annual benefit limit of up to HKD30 million and no lifetime benefit limit.
Medical expenses including all cancer treatment, outpatient surgeries in hospitals and clinics are covered, with no sub-limit for each benefit item.
Provide support for medical emergencies that occur while traveling abroad, including the coordination of emergency medical treatment and medical evacuation services to ensure policy insured receive the most suitable treatment.
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 the policy.
Get full medical coverage without undergoing health check-up upon enrolment, ensuring a prompt application at anytime.
Surgeries performed in clinics or day care centres can also be covered, with no minimum duration of stay required. All pre- and post-confinement or day case procedure outpatient care are also covered 4.
Benefit details
| Benefit items | Plan Type | |
|---|---|---|
| Ward Class | Standard Ward | Semi-private room |
| Area of coverage | Asia | |
| Annual Deductible options | HKD0 / 15,000 / 25,000 | HKD0 / 15,000 / 25,000 / 50,000 / 75,000 |
| Annual benefit limit | HKD5,000,000 per Policy Year | HKD30,000,000 per Policy Year |
| Lifetime limit | Unlimited | |
| Hospitalization and Surgical Benefits | Fully covered5 | |
The product information does not contain the full terms of the policy and the full terms can be found in the policy document.
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
Helena, 40 years old
Non-smoker, with group medical coverage provided by her company
Deductible: HKD25,000
Frequently asked questions
Help and support
More insurance products
1 Premium is calculated based on a 18-year-old male, non-smoker, and selecting semi-private room with HKD50,000 deductible
2 The maximum premium allowed for tax deduction is HKD8,000 per insured person per tax year, with no cap on the number of policies or dependents you claim a deduction for. Tax deductions is one of the allowable deductions from assessable income, it does not equate to a direct deduction from total tax payable. For details, please visit Inland Revenue Department (IRD) of HKSAR website and consult your tax advisors
3 Refer to Important Information for details of Pre-existing Conditions in product brochure
4 Subject to the Annual Benefit Limit. Please refer to product brochure for details
5 Please refer to the product brochure for detailed benefit limits
6 Premium is calculated based on a 30-year-old male, non-smoker, and selecting the Asia semi-private room plan with HKD15,000 deductible
7 Premium is calculated based on a male, aged 27, selecting Dental Benefit plan 1 and Cancer Benefit plan 1
8 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