Winnie
28 years old, non-smoker
Winnie is a health conscious lady. She enjoys regular exercise and have a healthy lifestyle. She is aware of medical expenses constantly rise and the trend of critical illness at young age. At age 28, she enrolled Cigna Cathay Premier Health Plan to have a peace of mind on medical expenses, she also values the regular health checks and other health benefits connected with the plan.
Plan level: Worldwide excluding US, Semi-Private, HKD15,000 deductible plan
1st year premium: HKD11,268
Prevention
Stay active and healthy to earn up to 35 Asia Miles daily with Cathay elevated wellness journey
Renewal Premium Discount up to 10% with Asia Miles earned through Cathay elevated wellness journey
Asia Miles No Claim Reward of HKD4 = 1 Asia Mile of net premium paid in year 3 for having no claims record in 1st to 3rd policy year
Free health check1 every year (worth HKD1,500)
Diagnosis and treatment
At age 32 Winnie and her husband conceived their first baby. Unfortunately, Winnie experienced depression during her pregnancy. Under the Plan’s Pregnancy, Prenatal and Postpartum Support benefit, a Care Manager provided Winnie with maternity support and also lined up consultations with a psychologist to help her through her pregnancy journey.
5 years later, though, Winnie had the free annual body check-up under the Plan and identified a lump in her left breast. Her doctor ordered a mammogram which after biopsy was diagnosed as breast cancer. She would require hospitalization, surgery, and post-surgery treatment.
Diagnosis: Stage II Breast Cancer – Left breast ductal carcinoma (~2cm) with left sided axillary lymph node involvement.
Surgical Operation: left breast mastectomy with axillary lymphadenectomy
Confinement: Semi-Private Room
Psychological treatment related to pregnancy
HKD800 per visit x 5 visits
HKD4,000
Hospital Cash
HKD800 per day x 7 days
HKD5,600
Room and Board
HKD2,500 per day x 7 days
HKD17,500
Anaesthetist’s Fee
HKD33,000
Attending Doctor’s Visit Fee
HKD2,500 per day x 7 days
HKD17,500
Recovery
After providing Winnie with prompt diagnosis and excellent medical care, a Care Manager also covered the arrangement of home chemotherapy for Winnie after medical assessment. It avoided traveling time, reduced the risk of infection, and meant Winnie could be treated at home with family support. Eventually, Winnie made a complete recovery. She took time out to celebrate her return to health – and also the great medical insurance that helped her quickly diagnose her illness, paid for the bulk of the treatment, breast reconstruction and provide recovery follow-up so she could focus on her career and supporting her family.
Post-Confinement Outpatient Care
HKD1,100 per visit x 2 visits
HKD2,200
Chemotherapy
HKD17,000 per month x 14 months
HKD238,000
Targeted therapy
HKD70,000 per month x 10 months
HKD700,000
Breast reconstruction
HKD150,000
Coverage from the Plan from prevention to recovery is over HKD 1,000,000 with Extra earnings of Asia Miles
Total premium of 5 year = HK$59,9522
Remarks:
1Health Check includes body check and spinal assessment.
2Total Premium of the 1st to 5th policy years: HK$59,952 = 11,268 + 11,558 + 12,061 + 12,373 + 12,692
3The premium and medical expenses quoted above are indicative only and the premium may change from time to time at Cigna's discretion.
4Only the charges and / or expenses of the Insured Person on Medically Necessary and Reasonable and Customary basis was covered.