Cigna
WorryFree Protection Plan

Together with Cathay and Cigna, you will receive the support you need with preventive health checks and post-treatment care.

Exclusive rewards
For a limited time, earn up to
6,100
when you purchase a policy.
View more
Embark on an elevated wellness journey and get 5X miles.
Earn up to
12,000
per year
Plan features
Lifelong critical illness protection
Flexible choice of premium terms
Complimentary wellness solutions
Enjoy protection alongside Miles rewards
Get a quote Schedule a call
Download product brochure
Plan benefits Coverage details Illustrations
Critical illness protection up to age 100
Covers 100 types of critical illnesses
61 critical illnesses and 39 Early Stage Critical Illnesses
Including major critical illnesses such as cancer, stroke, and heart disease
Flexible premium structure
With options of 15 years or 25 years for premium payment terms
Sum Insured of up to HKD1,500,000
Flexible lifelong protection
Covers up to age 65, age 80 or age 100 to suit your needs
Essential critical illness coverage, or extra coverage to supplement your current medical insurance
Additional health and wellness support
Cigna provides a number of additional healthcare services from cancer care to Rehabilitation Programmes
Embark on an elevated wellness journey with the Cathay app – and be rewarded for every healthy choice you make
Coverage details

This product is a standalone individual policy which aims to provide critical illness protection. It is a non-indemnity insurance policy without cash value. The plan provides a protection period until age 65, 80 or 100 of the person insured, with a payment period of 15 or 25 years. The premium rate will not increase with age, but not guaranteed.

Critical Illnesses Benefit 1
Protection for 61 critical illnesses, including cancer, heart attack, stroke, kidney failure and major organ transplant
One-off payment up to 100% of the Sum Insured
Early Stage Critical Illness Benefit 1,2
Protection for 39 Early Stage Critical Illnesses
Receive payment equal to 20% of the Sum Insured for up to two covered Early Stage Critical Illness
Premium structure
A choice of premium terms of 15 years or 25 years
Flexible choice on Sum Insured of up to HKD1,500,000
Non-guaranteed premium, but no adjustment based on age or claim history
Additional health and wellness support
Cigna provides a number of additional healthcare services from cancer care to rehabilitation programmes
Embark on an elevated wellness journey with the Cathay app – and be rewarded for every healthy choice you make
Exclusive rewards
Embark on an elevated wellness journey with the Cathay app – and earn up to 5 times more Asia Miles a day

Remarks:

1 The Person Insured must have survived for 14 days from first confirmed diagnosis of Critical Illness or an Early Stage Critical Illness for the benefit to be payable.
2 Payment may be subject to a maximum lifetime limit and/or maximum benefit amount for certain Early Stage Critical Illness. A maximum of one Early Stage Critical Illness is payable under each group as shown in the product brochure.

Illustrations for the WorryFree Protection Plan
The Breadwinner of Family
Joshua
35 years old, the breadwinner of family, non-smoker

Joshua is married with a 9-year-old daughter and works in the investment industry. He is the breadwinner of his family and cannot put his whole family’s savings and income at risk if a critical illness strikes.

Timeline
Age
Joshua insures himself with WorryFree Protection Plan (Sum Insured of HKD900,000 with a Payment Term of 15 years and a Protection Period that extends to age 100)
35 years old
Joshua confirms that he has a precancerous colon condition (also defined as Carcinoma-in-situ). This is his first claim for Early Stage Critical Illness, and the policy pays him 20% of the Sum Insured. He also has access to the Cancer Care Program for ongoing screening and treatment.
56 years old
Joshua’s WorryFree Protection Plan continues to provide him with critical illness protection after retirement.
65 years old
Joshua is diagnosed with Stage III of colorectal cancer. He is paid with the remaining 80% of the Sum Insured. Joshua’s family is not sure which treatment plan is right for him. With the Cancer Care Program, a holistic treatment program is tailored to Joshua and his family. The program walks them through the recovery journey.
82 years old
Total premium paid from age 35 to 49:
HKD538,875
Total benefit received from the plan:
HKD900,000
Benefits of purchasing Cigna medical insurance plans with us
Earn Asia Miles
It’s the only medical insurance that rewards you with Asia Miles.
Get extra wellness rewards
Embark on an elevated wellness journey with the Cathay app – and earn up to 5 times more Asia Miles.
Reliable coverage
Cigna is a global health services provider with a presence in over 30 countries/regions and a global network of more than 1.5 million health care providers, clinics and facilities.
How to purchase through a Cigna Customer Advisor
1
Get your free quote online
2
Complete the Schedule a Call form or call Cigna at our dedicated hotline 8100 2040 to speak to a Cigna Customer Advisor
3
Complete payment with a credit card or Cigna Premium Vouchers that can be redeemed with Miles
Product FAQs
Who can enroll this product?
Individuals aged from 15 days to 50, with HKID and located in Hong Kong.
Would a second Early Stage Critical Illness claim be affected by the first Early Stage Critical Illness claim?
An Early Stage Critical Illness can only be claimed once from each group as categorised in the product brochure. A second claim within the same group would not be paid. If the Early Stage Critical Illness are from different groups, both claims would be paid up to 20% of the Sum Insured, subject to a maximum lifetime limit and/or maximum benefit amount for certain Early Stage Critical Illness by Cigna.
Can I enroll a plan for my family?
Yes. You can be the policyholder and enroll for your family. If the dependents are below age 18, the parents have to be the policyholder.
Terms and conditions
About the Cathay and Cigna partnership

Cathay Pacific Airways Limited (“Cathay”) is an insurance agent appointed by Cigna.

Cigna insurance plans are underwritten by Cigna Worldwide Life Insurance Company Limited or Cigna Worldwide General Insurance Company Limited (“Cigna”). Cigna is an authorised insurer regulated by the Insurance Authority to carry out long-term insurance business and general insurance business in or from the Hong Kong SAR.

Cigna’s WorryFree Protection Plan terms & conditions

Please find the related WorryFree Protection Plan terms & conditions here.

Asia Miles offers terms & conditions

Please find related Miles crediting terms & condition here.