

Above mentioned discount rate is calculated with an example of a family of four with both parents aged 30, and the son and daughter are aged 3 and 0 respectively. *Insurance premium is calculated according to the insured persons’ age, smoking habit, plan option and deductible option. In case of any dispute, Cigna’s decision shall be final.

Using factors that matter the most to the consumers, 10Life produces objective high-end medical insurance scores and rankings based on medical coverage and auxiliary benefits. 10Life is a digital platform that provides professional and unbiased insurance information for consumers.The Basic Benefit and Optional Outpatient Benefits under standard private room and semi-private room types are subject to an overall maximum annual limit of HK$50 Million and HK$30 Million respectively.

The unlimited lifetime cover does not apply to Optional Pharmacy Benefits.
