Cigna DIY Health Plan
Also known as: 信諾DIY隨意保
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Last checked
Cigna DIY Health Plan is recorded as Not confirmed. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates
At a glance
- Insurer
- CIGNA Worldwide General Insurance Company Limited
- Policy currencies
- HKD
- Premium payment terms
- Renewable / One year, annually renewable to age 75 on a non-guaranteed basis. Premiums increase with age and may change at renewal.
- Issue ages & basis
View 3 options
Issue ages & basis Recorded information Premium payment terms / Age basis 15 days to 60 years Other benefits. Dental or vision requires at least two benefits; outpatient, dental or vision combinations require annual payment.
Age basis: Age last birthday8 years to 60 years Dental benefit.
Age basis: Age last birthday4 years to 60 years Vision benefit.
Age basis: Age last birthday- Minimum premium & basis
- HKD 1,196 / Annual / Brochure 0623; Cancer Plan 1, female non-smoker age 18; before levy/discount. Rate start and current quote match unknown; modules differ.
Decision sheet
11 of 13 known · 2 not published · 0 not yet checked
- What it pays and when
Benefit term: Renewable / One year, annually renewable to age 75 on a non-guaranteed basis. Premiums increase with age and may change at renewal.Public source · Checked:
Choose from six benefits: core outpatient, outpatient surgery, supplementary outpatient, dental, cancer and vision.Public source · Checked:
- Benefit limits
Outpatient surgery is limited to HK$15,000 per disability and HK$100,000 per policy year, using network providers only.Public source · Checked:
- Premium and payment term
Premium payment terms: Renewable / One year, annually renewable to age 75 on a non-guaranteed basis. Premiums increase with age and may change at renewal.Public source · Checked:
Minimum premium & basis: HKD 1,196 / Annual / Brochure 0623; Cancer Plan 1, female non-smoker age 18; before levy/discount. Rate start and current quote match unknown; modules differ.Public source · Checked:
Standard annual premium tables exclude levy; premiums depend on selected benefits and the insured age and/or gender.Public source · Checked:
- How premiums can change
The insurer may revise premium on anniversary or renewal based on claims and expenses experience.Public source · Checked:
- Guaranteed / non-guaranteed
Annual renewal is non-guaranteed and available only up to age 75, subject to policy terms.Public source · Checked:
- Waiting periods
Outpatient surgery has a 30-day waiting period; Cancer Benefit has 90 days, and early-stage malignancy/CIS has 180 days.Public source · Checked: Public source · Checked:
- Main exclusions
Published key exclusions (not exhaustive): Cancer exclusions include pre-existing, congenital conditions and deliberate self-injury. Other modules differ; full wording applies.Public source · Checked:
Cancer Benefit excludes pre-existing medical conditions, intentionally self-inflicted injuries and congenital abnormalities or disorders.Public source · Checked:
- Surrender / cancellation
Cancel with at least 30 days written notice; the insurer can charge premium until the end of that policy year. The plan has no cash value.Public source · Checked: Public source · Checked: Public source · Checked:
- Cooling-off
- not publishedDocuments checkedPublic source · Checked:
- Riders
Dental or Vision selection requires at least two benefits; some combinations permit annual premium payment only.Public source · Checked:
- Claims steps
Written claim notification is due within 30 days after the event; claims can be submitted via the customer portal or MyCigna app.Public source · Checked:
- Policy servicing from abroad
- not publishedDocuments checkedPublic source · Checked:
- Complaints and dispute routes
1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:
2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:
3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:
ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:
Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.
Questions to ask before buying
Questions to ask before buying (4)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- Which benefits and values are guaranteed, and which are not?
Belongs to
Belongs to
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
More product information from this insurer:
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No same-type products from other insurers are currently listed.
All published facts
All published facts
| Field | Recorded information | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Policy currencies | HKD | ||||||||
| Premium payment terms | Renewable / One year, annually renewable to age 75 on a non-guaranteed basis. Premiums increase with age and may change at renewal. | ||||||||
| Benefit term | Renewable / One year, annually renewable to age 75 on a non-guaranteed basis. Premiums increase with age and may change at renewal. | ||||||||
| Issue ages & basis |
| ||||||||
| Minimum premium & basis | HKD 1,196 / Annual / Brochure 0623; Cancer Plan 1, female non-smoker age 18; before levy/discount. Rate start and current quote match unknown; modules differ. | ||||||||
| Published key exclusions (not exhaustive) | Cancer exclusions include pre-existing, congenital conditions and deliberate self-injury. Other modules differ; full wording applies. |
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown
Source date: Not confirmed
- Product brochure; PDF page 1 plan at a glance; edition code date, not policy effective date
Source date: / Page: 1
- Product brochure; PDF page 11 selected exclusions; full list and exceptions in wording
Source date: / Page: 11
- Brochure premium table; PDF page 7; edition code 0623, rate effective date unknown
Source date: / Page: 7