Definitions
  1. “Activity” means any activity, challenge, event, assessment or promotion as part of the wellness journey that is available on the Cathay App for wellness journey members to Complete, including the Tracked Activities.
  2. “Cathay App” means the Cathay travel lifestyle app.
  3. “Cigna” means Cigna Worldwide Life Insurance Company Limited and/or Cigna Worldwide General Insurance Company Limited.
  4. "Completing an Activity” (or “Completion” or “Completed”) means that a wellness journey participant has completed an Activity pursuant to any requirements, terms and conditions as notified by AML at the time of entry into that Activity.
  5. “Device” means a smartphone, tablet or any other device as notified by AML from time to time as a Device.
  6. “elevated wellness journey participant” means a Member who complies with the requirements set out in clause 2 of the ‘Participation in the wellness journey’ section below and is registered to participate in the wellness journey on the Cathay App and AML has been notified by Cigna as being insured under one or more Eligible Insurance Products and remains insured under one or more Eligible Insurance Products at all times.
  7. “Eligible Insurance Products” means the following insurance products underwritten by Cigna:
    (a) Cigna Cathay Premier Health Plan
    (b) Cigna DIY Health Plan
    (c) Guarantee 100 Protection Plan
    (d) WorryFree Protection Plan
    (e) any other insurance policies as notified by AML from time to time as an Eligible Insurance Product,
    that are:
    (f) purchased on the Cathay website or Cathay App;
    (g) purchased directly from Cigna where Cigna has been requested to contact the Member (and/or the policy holder) through the ‘Schedule a Call’ form on the Cathay website or Cathay App; or
    (h) purchased directly from the Cathay Cigna delegated hotline at 8100-2040 (or such other number(s) as specified in the Cathay website or Cathay App,,
    and that AML has not suspended or removed as an Eligible Insurance Product.
  8. “standard wellness journey participant” means a Member who complies with the requirements set out in clause 1 of the ‘Participation in the wellness journey’ section below and registers to participate in the wellness journey on the Cathay App but is not an elevated wellness journey participant.
  9. “Link” or “Linking” means linking a Permitted Tracking Device to the Cathay App and syncing activity data with the Cathay App.
  10. “Mileage Earning Activities” has the meaning given to it in clause 1 of the ‘Earning Mileage Credits’ section below.
  11. “Permitted Tracking Device” means the following tracking devices or applications:
    (a) Apple Health app;
    (b) Fitbit;
    (c) Garmin;
    (d) Google Fit;
    (e) Strava; and
    (f) any other device as notified by AML from time to time as a Permitted Tracking Device.
  12. “Tracked Activities” means the following activities:
    (a) active minutes;
    (b) sleep;
    (c) steps; and
    (d) yoga,
    as logged by a Permitted Tracking Device (“Device Tracked Activities”), and
    (e) sleep;
    (f) vegetable intake;
    (g) water intake; and
    as manually logged by the wellness journey participant in their Asia Miles account on the Cathay App (“Non-Device Tracked Activities”), and such other activities as may be notified by AML from time to time as Tracked Activities.
  13. “wellness journey” means the wellness journey that is available on the Cathay App that, amongst other things, enables wellness journey participants to Complete Activities.
  14. “wellness journey participant” means a standard wellness journey participant and/or an elevated wellness journey participant.
Participation in the wellness journey
  1. A standard wellness journey participant must:
    (a) be a Member;
    (b) be 18 years of age or above;
    (c) hold a valid Hong Kong ID card;
    (d) be located in Hong Kong; and
    (e) have installed the Cathay App on their Device which is linked to their Asia Miles account.
  2. An elevated wellness journey participant must:
    (a) be a Member;
    (b) be 18 years of age or above;
    (c) hold a valid Hong Kong ID card;
    (d) be located in Hong Kong; and
    (e) have installed the Cathay App on their Device which is linked to their Asia Miles account.
    And AML has been notified by Cigna that the Member is insured under an Eligible Insurance Product and the Member remains insured under an Eligible Insurance Product at all times.
  3. By registering as a wellness journey participant and by accessing the wellness journey on the Cathay App, wellness journey participant acknowledges that they have read and accepted these wellness journey terms and conditions, including the Asia Miles Terms and Conditions.
  4. If AML is notified that a standard wellness journey participant is insured (or is reinstated as an insured) under an Eligible Insurance Product, the standard wellness journey participant will be upgraded to an elevated wellness journey participant within 14 business days after the inception date of the Eligible Insurance Product or the date of reinstatement of the Eligible Insurance Product (as the case may be).
  5. If you are insured under an Eligible Insurance Product but have not registered as a Member and/or as a wellness journey participant and you wish to participate in the wellness journey, you must: (a) if you are not yet a Member, register to become a Member; (b) if/once you are a Member, notify Cigna and/or the Cathay hotline that you are a Member and quote the Eligible Insurance Product number that you are insured under, and upon notification or confirmation by Cigna to AML that you are insured under the applicable Eligible Insurance Product, AML will either: (c) if you are not yet a standard wellness journey participant, invite you to participate in the wellness journey as an enhanced wellness journey participant; or if you are a standard wellness journey participant, you will be upgraded to an elevated wellness journey participant within 14 business days after Cigna’s notification or confirmation to AML.
  6. An elevated wellness journey participant will be downgraded to a standard wellness journey participant within 14 business days after Cigna notifies AML that the Member is no longer insured under any Eligible Insurance Product for any reason, including where the Eligible Insurance Product has been cancelled, terminated, lapsed or expired.
  7. Wellness journey participants acknowledge and agree that Cigna shall have the final say with regards to whether:
    (a) the purchase of certain insurance policies from Cigna is an Eligible Insurance Product;
    (b) a Member’s status as an insured under an Eligible Insurance Product; and/or
    (c) the Member is no longer insured under an Eligible Insurance Product,
    and Cigna’s determination with regards to the above matters may impact on a Member’s rights under these wellness journey terms and conditions (including any upgrade or downgrade of a wellness journey participant which AML shall have the final say).
  8. Wellness journey participants must not:
    (a) Link another person’s Permitted Tracking Device or otherwise sync another person’s activity data to their Asia Miles account on the Cathay App or otherwise provide false or misleading information in connection with their participation in the wellness journey (including in relation to the Completion of Activities); and/or
    (b) commit Misconduct or Fraud or otherwise engage in illegal, dishonest, misleading, deceptive or fraudulent activities in relation to their participation in the wellness journey (including in relation to the Completion of Activities).
  9. Wellness journey participants should regularly check their Asia Miles account on the Cathay App and must promptly notify AML of:
    (a) any omissions, incorrect entries or other discrepancies associated with their account or in connection with their participation in the wellness journey; and/or
    (b) any unauthorised transactions relating to the wellness journey that have been processed using their Asia Miles account on the Cathay App.
    (c) A wellness journey participant may cancel their participation in the wellness journey at any time by contacting the Cathay hotline. AML will cancel the Member’s participation in the wellness journey within 14 business days of such request.
  10. AML may suspend or terminate a wellness journey participant’s participation in the wellness journey without notice and with immediate effect if AML believes that a wellness journey participant has breached any of their obligations set out in clause 8 above and/or fails to comply with these wellness journey terms and conditions (including the Asia Miles Terms and Conditions). Without limiting the foregoing, AML may also suspend or terminate a wellness journey participant’s participation in the wellness journey at its sole discretion at any time and without notice.
  11. Subject to clause 8 of the ‘Earning Mileage Credits’ section below, any termination or deactivation of a wellness journey participant’s participation in the wellness journey will not impact on any Mileage Credits earnt prior to such termination or deactivation. However, upon termination or deactivation of a wellness journey participant’s participation in the wellness journey:
    (a) all personal settings and all information and data gathered in relation to the wellness journey on the Cathay App and the Member’s Asia Miles account will be deleted, including all progress made in relation to Activities, other than a 12 month retention of data as necessary for the application of clause 12;
    (b) all Links of Permitted Tracking Devices to a Member’s Asia Miles account on the Cathay App will be terminated and Members should switch off all Links from their Permitted Tracking Devices to their Asia Miles account on the Cathay App; and
    (c) any Mileage Credits earnt in connection with Activities will be forfeit and waived (unless such Activities were Completed prior to the date of termination or deactivation).
  12. AML may offer introductory or new joiner rewards or similar from time to time. AML reserves the right to not provide such rewards to any new wellness journey participant who had previously been a wellness journey participant within the preceding 12 months.
Earning Mileage Credits
  1. Completion of certain Activities may entitle wellness journey participants to earn Mileage Credits (“Mileage Earning Activities”) provided the wellness journey participant:
    (a) complies will the terms and conditions applicable to the Mileage Earning Activity; and for Device Tracked Activities, logs into and accesses the wellness journey on the Cathay App within 7 days of the date of Completing the Mileage Earning Activity (inclusive).
    (b) Mileage Credits earned from Completing Mileage Earning Activities in accordance with clause 1 above will be credited to wellness journey participant’s Asia Miles account within 14 business days of the date of Completion.
  2. The number of Mileage Credits available for the Completion of Mileage Earning Activities will be the number communicated by AML on the Cathay App at the time of entry into the Mileage Earning Activity, and the number of Mileage Credits available may differ for standard wellness journey participants and for elevated wellness journey participants.
  3. Wellness journey participants will only be entitled to earn Mileage Credits for Completing Mileage Earning Activities upon:
    a) the date of successful registration as a wellness journey participant; and
    b) in the case of standard wellness journey participants who are upgraded to enhanced wellness journey participants, within 14 business days after Cigna’s notification or confirmation to AML pursuant to clause 4 and/or 5 of the ‘Participation in the wellness journey’ section.
  4. Members who are not successfully registered as a wellness journey participant (or at any point are no longer registered as wellness journey participants for any reason, including in the case of termination, deactivation or suspension) will not be entitled to earn Mileage Credits for Completing Mileage Earning Activities.
  5. Additional terms and conditions may apply to Mileage Earning Activities on the wellness journey, including the earning of Mileage Credits from Completing such Mileage Earning Activities
  6. AML may change the number of Mileage Credits available for a Mileage Earning Activities at any time without notice. Any change will not affect the Mileage Credits earned on Mileage Earning Activities Completed prior to the change, unless required to comply with applicable laws, regulations and/or applicable codes of practice as determined by AML in its sole discretion.
  7. Wellness journey participants can track Mileage Credits earned on the wellness journey in the preceding 30 days in their Asia Miles account on the Cathay App.
  8. AML may impose caps on the number of Mileage Credits that can be earned by Completing Mileage Earning Activities on the wellness journey at any time and without notice.
  9. AML may at any time cancel, deduct or otherwise reverse Mileage Credits credited to a wellness journey participant’s Asia Miles account or not credit Mileage Credits to a wellness journey participant’s Asia Miles account if:
    (a) the Mileage Credits have been awarded due to any error; and/or
    (b) if AML believes that a wellness journey participant has breached any of their obligations set out in clause 8 of ‘Participation in the wellness journey’ section above and/or fails to comply with these wellness journey terms and conditions (including the Asia Miles Terms and Conditions).
  10. AML may make the following changes to the wellness journey at any time and without notice:
    (a) add insurance products as an Eligible Insurance Product;
    (b) suspend or remove insurance products as an Eligible Insurance Product,
    (c) and such changes will not impact the Mileage Credits earned before such change.
Device Tracked Activities
  1. Device Tracked Activities must be tracked using a Permitted Tracking Device and different Permitted Tracking Devices may track different Device Tracked Activities. Wellness journey participants must Link a Permitted Tracking Device to their Asia Miles account on the Cathay App in order to record their physical activity to fulfil a Device Tracked Activity, and only those Device Tracked Activities that are tracked on the Permitted Tracking Device(s) will be eligible to earn Mileage Credits on the wellness journey.
  2. AML is not responsible for the Permitted Tracking Devices (including the Linking of the Permitted Tracking Devices to the Cathay App) and/or any other goods, services, content or other resources that are provided in connection with the Permitted Tracking Devices (“Third Party Products or Services”), including the accuracy, reliability, availability, accessibility, effectiveness or correct use by wellness journey participants of the Third Party Products or Services, or any costs or expenses relating to the Third Party Products or Services which shall be the sole responsibility of the wellness journey participant.
  3. Wellness journey participants are responsible for reading and agreeing to any terms and conditions that apply to the use of the Third Party Products or Services.
  4. Wellness journey participants must ensure that they are using the current version of the Cathay App and Permitted Tracking Devices in order to earn Mileage Credits through Completing Mileage Earning Activities.
  5. If a wellness journey participant has Linked more than one Permitted Tracking Device to their Asia Miles account on the Cathay App at any given time, the data used to assess progress towards a Device Tracked Activity will be data from the Permitted Tracking Device that measured the highest for that Activity.
  6. AML is not responsible for the Linking of the Permitted Tracking Devices to a Member’s Asia Miles account on the Cathay App, including any network or connectivity problems, and any failure or delay to Link the Permitted Tracking Devices to a Member’s Asia Miles account on the Cathay App may result in wellness journey participants failing to Complete Mileage Earning Activities and/or otherwise failing to earn Mileage Credits for Completing Mileage Earning Activities.
General
  1. The wellness journey (including any health, medical, fitness or wellness-related articles or any other content available on the Cathay App or Cathay website) is not intended to be, and shall not be considered in any way to be, medical or health advice. Members should consult their doctor or health or medical professional before participating in the wellness journey, starting any new physical activity (including any Activities as part of the wellness journey) or making any changes to their diet, especially if they are pregnant, over 65 years old, or have a pre-existing medical condition or health problem.
  2. If you experience any medical or health issues or emergency, stop participating in the wellness journey (including all Activities) and consult with a doctor or health professional. AML and the CX Group shall not be responsible for any health or medical-related problems, injuries and/or death that may result from your participation in the wellness journey (including any Activities) or from any programs, consultations, products, information or events you learn through the wellness journey on the Cathay App. If you engage in any Activities or any other exercise, fitness or wellness program you receive or learn about through the wellness journey, you agree that you do so at your own risk and are voluntarily participating in these activities.
  3. Any health, medical, fitness or wellness-related articles and any other content on the Cathay App or Cathay website are provided by third party content providers and any opinion, advice, statements, services, offers or other information expressed or made available are made by the respective third party content providers and not by AML. Neither AML nor its third party content providers guarantee or make any representation or warranty of the accuracy, reliability, completeness or usefulness of any content, nor for its merchantability or fitness for any particular purpose.
  4. The Asia Miles Terms and Conditions shall also apply to these wellness journey terms and conditions. To the extent of any inconsistency, these wellness journey terms and conditions shall prevail.
Law and Jurisdiction
  1. These wellness journey terms and conditions shall be governed by and construed in accordance with the laws of Hong Kong SAR. Wellness journey participations consents to the exclusive jurisdiction of the courts of the Hong Kong SAR in connection with any legal action that may arise in relation to your participation in the wellness journey on the Cathay App and/or these wellness journey terms and conditions, and AML reserves the right to bring proceedings against you for breach of these wellness journey terms and conditions in your country of residence or any other relevant country.
  2. These wellness Journey terms and conditions are written in the English language and may be translated into other languages. In the event of any inconsistency between the English version and the translated version of these wellness journey terms and conditions, the English version shall prevail.