【Protect Yourself】 Enjoy comprehensive 360° health protection for a vibrant life

For many professionals, striving hard in one’s younger years to build a career and support a family is part of the story. But while working away, have you ever considered that illness can strike at any time? The trend of critical illnesses affecting younger people is nothing new. Data from the Hong Kong Cancer Fund¹ shows that the number of cancer patients in Hong Kong aged 20 to 44 has risen in recent years. In 2000, there were only 96 patients per 100,000 people in this age group; by 2018, this had climbed to 109, an increase of more than 13%. Fortunately, even if one is diagnosed with a critical illness, it does not mean the end of the world. Many critical illnesses can achieve significantly higher survival rates if detected and treated early.

Cigna Healthcare’s "尊尚360醫療保" is designed precisely for professionals seeking comprehensive protection, aiming to provide all-round coverage for professionals’ health from prevention, diagnosis and treatment through to recovery. Cigna Healthcare’s 尊尚360醫療保 also won the 10Life 5-Star High-End Medical Insurance Award at the 10Life 5-Star Insurance Awards 2024, receiving a 5-star rating in the Hospital Medical Insurance (Semi-private Room) and Top-Up Medical Insurance categories, earning industry recognition.

For professionals who have spent many years navigating the business world, it is easy to think that “the numbers must always add up”, and that after taking out medical insurance, making no claim means you are “losing out”. In fact, some products on the market include certain “preventive” types of protection, delivering the assurance of “treating illness if you fall ill, and peace of mind if you do not”.

Cigna Healthcare’s professional medical team will develop a personalised health assessment plan based on the insured person’s age, gender and individual health condition, enabling them to identify potential health issues early. The plan includes a free dedicated health check every two years, together with report analysis and medical recommendations, helping the insured person prevent illness and improve overall health. If, unfortunately, you suspect there may be something wrong with your body, you do not have to face it alone after completing the examination. If the insured person needs additional medical opinions, lifestyle advice or a doctor referral, the Cigna Care Manager will follow up and provide advice. Cigna Care Managers are all registered nurses with extensive clinical experience, so even if the insured person is free from illness or pain and simply has any concerns about their health, they can contact a Care Manager for assistance in analysing their health condition and providing professional medical advice.

Illness can strike at any time. Once a person notices something may be wrong with their health, they are bound to feel very anxious and uncertain during the diagnosis process. Do they need to seek a second doctor’s opinion? Will the costs of hospitalisation, tests and other expenses affect the liquidity of their assets?

尊尚360醫療保 understands the unease that insured persons may face. The plan reimburses hospitalisation or specified diagnostic imaging tests³ conducted on an outpatient basis, such as CT and MRI scans. If needed, the plan also provides local and global second medical opinion consultation services to help insured persons make informed decisions and choose the best treatment option, offering support throughout the journey.

尊尚360醫療保 also offers comprehensive protection for policyholders. Taking a middle-aged woman as an example, after undergoing a personalised health assessment at a designated elite medical centre, she was informed that her mammogram results were abnormal. She subsequently underwent further imaging tests. All eligible medical expenses, including outpatient care before admission/before day surgery and specified diagnostic imaging tests³, are eligible for reimbursement⁴.

The treatment process can be short or long, and patients facing substantial medical expenses may be left dizzy at the sight of the bills when settling up after discharge. Dealing with a sudden illness is already frustrating enough; patients should not have their mood affected by the bills as well.

尊尚360醫療保 means the insured no longer has to worry about settling bills after discharge. In addition to covering medical expenses such as room and board during hospitalisation, surgery, non-surgical cancer treatment and intensive care, the plan offers an annual benefit limit of up to HK$50 million, with no lifetime benefit limit². The plan also features cashless medical services⁵: as long as the insured presents the Cigna Healthcare Elite 360 Card at a specialist outpatient clinic or private hospital in Hong Kong under the Cigna Healthcare Elite Medical Network, the network medical service provider will assist with pre-authorisation application approval. No deposit is required for day surgery and inpatient treatment, and no immediate payment is needed, easing the insured’s liquidity pressure. At the same time, to care for the insured’s mental well-being, the plan also provides free counselling services, allowing the insured to truly receive treatment with peace of mind.

Taking the middle-aged woman mentioned above as another example, once she is diagnosed with breast cancer, the specified surgeries, including breast reconstruction surgery, are covered, and she will also receive a six-month premium waiver, enabling her to undergo treatment with greater peace of mind.

After suffering a serious illness, proper care following surgery is crucial. Cigna Prestige 360 Medical understands that follow-up treatment is just as important as direct treatment.

The plan covers eligible outpatient care and ancillary treatment received by the insured after discharge or surgery, including physiotherapy, occupational therapy and speech therapy. With coverage lasting up to 365 days, it accompanies and supports patients throughout their recovery journey. If the insured is unfortunately first diagnosed with one of the three major critical illnesses — cancer, stroke or heart disease — the plan will also provide additional rehabilitation treatment cover and premium waiver.

After a serious illness, psychological and physical needs, as well as lifestyle habits, may all need to change. Cigna understands that while patients hope to be discharged as soon as possible, they also want a reliable recuperation environment at home. That is why the plan includes a personalised home rehabilitation plan, allowing patients to recover in comfort and peace of mind^6、7 and regain their strength to face workplace challenges again as soon as possible.

Successful joint application with family members can enjoy premium waivers of up to 4 months in the first 3 years, plus a HK$3,000 Peninsula Hong Kong gift card/Mannings Hong Kong shopping voucher. Use the online application exclusive promo code "DC10LIFE" to enjoy an additional 15% discount*. The information is for reference only and is subject to terms and conditions.

*The above offer is provided by the insurer. The insurer reserves the right to amend the offer without prior notice.
 

Notes: 
1.    Source: https://www.hkioc.com.hk/cancer-is-getting-younger/
2.    The above information is for reference only and does not constitute the full policy terms. All cover, full terms and conditions, and exclusions shall be subject to the policy terms set out in the relevant insurance plan.
3.    Specified diagnostic imaging tests include: CT, MRI, PET, PET-CT combination and PET-MRI combination scans).
4.    Subject to the coverage scope of each benefit item.
5.    Cashless medical services apply only to the Cigna Healthcare Supreme Medical Network in Hong Kong; cashless hospitalisation services apply worldwide. Cashless medical services are a value-added service and are subject to the service terms and conditions.
6.    The service is a value-added service provided by an independent third-party service provider and does not form part of your policy contractual benefits. Cigna Healthcare reserves the right to amend or cancel the service at any time without prior notice. Cigna Healthcare is not the provider of this service. The relevant service provider is not our agent, and vice versa. Cigna Healthcare makes no representation, warranty or undertaking as to the quality or availability of the service, and accepts no responsibility or liability for any services provided by the service provider. Under no circumstances shall Cigna Healthcare be liable for any act or omission of the service provider in providing this service.
7.    The "Personalised Home Rehabilitation Plan" is applicable only in Hong Kong.

Last updated on: 7 November 2024

This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.