Cigna Healthcare VitalGuard Critical Illness Plan™

Benefit term: 5 years / Five-year term, renewable to age 85; annual or monthly payment. Level premiums are non-guaranteed and may be adjusted at each anniversary.Public source · Checked: 21 Oct 2026

critical illness protection covers 58 critical illnesses, 4 surgeries, 43 early-stage illnesses and 5 juvenile illnesses, subject to definitions.Public source · Checked: 15 Oct 2026

minimum sum insured is HK$300,000; maximum varies by age and can reach HK$4 million for ages 18 to 45.Public source · Checked: 15 Oct 2026

Premium payment terms: 5 years / Five-year term, renewable to age 85; annual or monthly payment. Level premiums are non-guaranteed and may be adjusted at each anniversary.Public source · Checked: 21 Oct 2026

standard premiums and any premium loading must be paid regularly on the due date.Public source · Checked: 15 Oct 2026

the insurer may revise standard premiums at renewal/anniversary based on its pricing factors and claims/expense experience.Public source · Checked: 15 Oct 2026

the policy has a 5-year term and guaranteed renewal up to age 85, subject to policy terms.Public source · Checked: 15 Oct 2026

the waiting period is 90 days from the latest relevant issue/effective, benefit-increase or reinstatement date.Public source · Checked: 15 Oct 2026

Published key exclusions (not exhaustive): Selected exclusions: symptoms before cover/in the 90-day waiting period, self-injury and congenital conditions. Full wording applies.Public source · Checked: 21 Oct 2026

illness with signs or symptoms first occurring during the waiting period is excluded, subject to the full wording.Public source · Checked: 15 Oct 2026

cancellation after cooling-off requires at least 30 days notice using the insurer form, with no refund and possible premium charges through the policy-year end.Public source · Checked: 15 Oct 2026

the cooling-off period is 30 days following delivery of the policy or notice, whichever is earlier. Signed cancellation must reach the insurer; no refund if a benefit is paid, payable or pending.Public source · Checked: 15 Oct 2026

Insurer claims guide · Critical illness

Critical illness — Steps: Register in MyCigna HK and submit the relevant claim with supporting documents.Public source · Checked: 13 Oct 2026

Critical illness — Required documents: CI form Parts I and II, identity and diagnosis evidence; disease-specific pathology, scans or cardiac test reports as applicable.Public source · Checked: 13 Oct 2026

Critical illness — Deadlines / notification: Documents must reach Cigna within 180 days of the event or first diagnosis; check your policy terms.Public source · Checked: 13 Oct 2026

Critical illness — Submission channels: MyCigna HK app; the published telephone contacts provide assistance.Public source · Checked: 13 Oct 2026

Critical illness — Assessment / payment timing: Processing starts on receipt of a complete form; this is not a published payment deadline.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026

the covered illness groups have defined eligibility and benefit conditions; diagnosis must meet the policy definitions.Public source · Checked: 15 Oct 2026