CIGNA SERENITY SERIES SENIOR CANCER PRO. Supporting you all the way through recovery

Transcription

1 CIGNA SERENITY SERIES SENIOR CANCER PRO Supporting you all the way through recovery

2 GLOBAL LEADER IN HEALTH SERVICES About Cigna Rooted in health expertise dating back over 200 years through its predecessor companies, Cigna was established in 1982 following the merger of the INA Corporation and Connecticut General Corporation. A respected leader in worldwide health services, we continue to innovate, expand and grow globally. As of 2013, our multi-national office network spans some 30 countries and serves approximately 85 million customers. Over the years our reliability and trustworthiness have been recognized with consistently strong ratings by internationally reputable bodies, as well as being ranked 97 on the Fortune 500. International Rating Company Rating A.M. Best Moody s Standard & Poor s A A2 AA- Fitch A+ Remark: Rating of Connecticut General Life Insurance Company as of About Cigna Hong Kong Set up in 1933, Cigna Worldwide Life Insurance Company Limited and Cigna Worldwide General Insurance Company Limited (Cigna Hong Kong) are committed to improving people s health, wellbeing and sense of security. Having delivered on this promise for over 80 years, we continue to provide a broad range of insurance solutions that are designed to satisfy our customers and their loved ones every unique need. Innovative to our products and services, we have garnered a number of leading industry awards and recognitions in Hong Kong: Hong Kong Call Centre Association Annual Awards - Bronze Award (2014) The Hong Kong Insurance Awards - Outstanding Community Services Project (2014) Capital Outstanding Enterprise Awards the Outstanding Life & Health Insurance Company (2013 & 2014) Capital Honor Grand Awards the Most Customer-Centric Company (2013) 10+ Caring Company by the Hong Kong Council of Social Service ( ) & Capital Corporate Social Responsibility Award (2014) Annual Grand awards and a number of service excellence awards from Hong Kong Call Centre Association including Best Outbound Call Center and Best Contact Center in Training & Development ( ) 1

3 SENIOR CANCER PRO Plan Highlights: Specially tailored for seniors, Senior Cancer Pro provides you the total reassurance you need to focus on making a full and speedy recovery at every step of the diagnosis to convalescence process. 1. Provide lump-sum cash when you need it most The best thing you can do if diagnosed with cancer is to stay positive! Providing you lump-sum cash, Senior Cancer Pro places no limits on the kind of treatment you can choose. Fully protecting you to your 100 th birthday, there s really no easier way to secure lifelong peace of mind. 2. Support you all the way through recovery As you will need all the support you can get while recovering, Senior Cancer Pro provides additional cash as Convalescence Benefit that you can use in any way you see fit while you recover. Examples include Chinese medicine and nutrient supplements not prescribed by registered doctors, etc. 3. Enable you to make better-informed choices Cigna s Second Medical Opinion Service enables you to access opinions from expert physicians who are actively involved in groundbreaking research and keenly aware of the most recent clinical developments. Offering you detailed treatment advice, this service also ensures you can make better-informed choices should you ever be diagnosed with a critical illness. 4. Unique in market with issue age till 75 and protection through % of all cancer cases in Hong Kong involve people aged 60 or over. Unique in the market, Senior Cancer Pro is available for anyone aged from 55 to 75 and is guaranteed renewable to age 99, protects you until age Simple application process Don t worry about complex application processes! Our simple, one question enrollment frees you from the hassle of answering long application form! Purchase now to enjoy exclusive offers: 1. Free Health Check-up Service Prevention is always better than cure. Successful applications during the promotion period will be entitled to a free 1 st policy renewal health check-up that will give you a much clearer understanding of your own health status. 2. Enjoy a 10% Spouse Discount Be sure and share your good fortune with your loved one! Enjoy a 10% discount every year on both yourself and your spouse s policies if you successfully enroll at the same time! 2

4 Start protecting yourself and your loved ones with Senior Cancer Pro today! For full details, please call or visit Please also check out more insurance offers in the Cigna Serenity Series to meet your other protection needs. 3

5 SENIOR CANCER PRO BENEFIT SCHEDULE Valid for applicants aged 55 to 75 and is guaranteed renewable until age 99 (protection up to age 100). Benefit Amount (HK$) Plan 1 Plan 2 Plan 3 Plan 4 Cancer Protection Benefit 100, , , ,000 Carcinoma-in-situ Protection Benefit 20,000 40,000 60,000 76,000 Convalescence Benefit 50,000 80,000 80, ,000 Accidental Death Benefit 500, , , ,000 Remarks: 1 A waiting period of 90 days for Cancer Protection Benefit and 180 days for Carcinoma-in-situ Protection Benefit is applicable. 2 Carcinoma-in-situ Protection Benefit is equivalent to 20% Cancer Protection Benefit payment in advance. The benefit amount of Cancer Protection Benefit shall be reduced accordingly. 4

6 EXCLUSION PROVISIONS Cigna always strives for the best protection for our customers. However, there are circumstances that we have to exclude in this plan: Applicable to Cancer Protection Benefit, Carcinoma-in-situ Protection Benefit and Convalescence Benefit (a) Pre-existing Condition; (b) Any Accident, Bodily Injury or illness sustained or (c) (d) (e) suffered by the Person Insured which has occurred or which has been diagnosed or which has exhibited symptoms or which has required medical advice and/ or treatment and/or the prescription of drugs prior to and/or during the Waiting Period; Intentionally self-inflicted injuries, suicide or any attempt thereof, while sane or insane; Alcohol abuse, the consumption of drugs not follow a Physician s prescription, Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or infection with the Human Immunodeficiency Virus; or Any congenital abnormality or disorder. Applicable to Accidental Death Benefit (a) Illness, disease, bacterial or viral infection, even if contracted by Accident. This does not exclude bacterial infection that is the direct result of an Accidental cut or wound or Accidental food poisoning; (b) Medical or surgical treatment, except where such treatment is rendered necessary by Bodily Injury within the scope of this AD Benefit; (c) Pregnancy, childbirth, miscarriage, abortion or (d) (e) complications arising from any of them even though such loss may have been accelerated or induced by Bodily Injury; Any illegal act of the Person Insured in the country where Bodily Injury occurs; Being in a state of insanity or psychiatric or psychological disturbance; (f) Being under the influence of alcohol or drugs unless the drugs are properly prescribed by a Physician and were not taken for the treatment of drug addiction; (g) Driving any kind of vehicle while the alcohol level in Person Insured s breath, blood or urine is higher than the legal limit in the country where Bodily Injury occurs; (h) Service in any armed force while: i) in the time of War; ii) under orders for warlike operations; or iii) restoration of public order. For the avoidance of doubt, armed force shall include any police force of a country; (i) War or any act of War, invasion, act of foreign enemy, hostilities (whether war be declared or not), Strike, Riot and/or Civil Commotion, civil war, rebellion, revolution, insurrection, military or usurped power or Terrorism; (j) Taking part in any air sport, air travel or any other kind of aviation activities, other than travelling as a farepaying passenger on regular scheduled commercial aircraft which is provided and operated by an airline or air charter company which is properly licensed to do so; (k) Suicide, attempted suicide, suicide pact or deliberate self-inflicted injury, while sane or insane. (l) Workers involved in the manufacture, storage, filling, breakdown, handling and transport of any explosive (including but not limited to firework or firecracker); or (m) The Person Insured participating in or conducting training for any of the following activities: (i) underwater swimming or diving and use any type of equipment to aid breathing; (ii) any kind of climbing, or mountaineering using rope or guides; (iii) pot-holing; (iv) parachuting, any kind of gliding, ballooning, bungi-jumping or micro-lighting; (v) winter-sports; (vi) hunting; (vii) driving or riding in any kind of race; or (viii) professional sports. Notes: 1. The above insurance plan is underwritten by Cigna Worldwide General Insurance Company Limited. 2. This brochure is designed to provide you with a brief summary of the named insurance plan, its terms, conditions and exclusions, and is not a contract of insurance. For full details of coverage and exclusions, please refer to the full policy provisions. 3. If the event of any discrepancy between the English and Chinese version of this brochure, the English version shall prevail. 5

7 Cigna Worldwide General Insurance Company Limited 14/F - 15/F, 28 Hennessy Road, Wanchai, Hong Kong Tel: (852) Printed in March 2015 Issued by Cigna This brochure is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any products of Cigna outside Hong Kong. Please refer to the policy provisions for details including full terms and conditions and exclusions. If there is any conflict between the policy provisions and this brochure, the policy provisions shall prevail. 6