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Hong Kong
Singapore
China
Dubai
Thailand
United Kingdom
Mexico
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CIGNA International Expatriate Health Insurance Plans
CIGNA Local Health Insurance Plans
- CIGNA US
Health Insurance for US Individuals and Families - CIGNA UK
Health Insurance for UK Employees
Health Insurance for UK Individuals and Families - CIGNA Europe
Health Insurance for Europe Individuals and Families
For more information about CIGNA health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.
- CIGNA US
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Health Insurance for Expatriate Individuals and Families
- CIGNA Health First Medical Insurance Series:
- CIGNA HealthFirst Elite Insurance Plan
- CIGNA HealthFirst Choice Insurance Plan
- CIGNA HealthFirst Core Insurance Plan
- CIGNA CritiCare Critical Illness Insurance Plan
- CIGNA Cancer + Hospital Cash Insurance Plan
- Health Guard Platinum
- CIGNA Health First Medical Insurance Series:
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CIGNA Health First Medical Insurance (Expatriate Individual and Family Plan)
Level 1. CIGNA HealthFirst Elite Insurance Plan
The CIGNA HealthFirst Elite Insurance Plan includes a comprehensive hospital core plan, plus the option to add on additional medical benefits including:
- Supplementary major medical benefit
- Outpatient cover
- Maternity cover
- Dental cover
PLUS Member benefits:
- 24 hour Worldwide Medical Assistance
- 24 hour CIGNA HealthFirst Hotline
- Second Medical Opinion
- CIGNA Complimentary Lifelong Preventative Program
- CIGNA Health and Wellness Program
Hospital Cover Benefits Limits (HKD) Annual limit
Below 65
Over 65Unlimited
1,080,000Hospital room Maximum 182 days per year
Full cover in Hong Kong
5,000 per day overseasIntensive care 65,000 Private Nursing 1,400 per day Surgical:
Complex
Major
Intermediate
Minor190,000
95,000
40,000
16,500Anaesthetists Expenses:
Complex
Major
Intermediate
Minor61,800
28,000
12,800
5,800Operating Theatre Expenses:
Complex
Major
Intermediate
Minor61,800
28,000
12,800
5,800Inpatient Doctors call
Inpatient Specialist fees
Pre-admission and
post-hospitalisation fees3,000
18,800
16,000Accompaniment bed Maximum 182 days per year 2,500 per day Optional Cover Limits (HKD) Supplementary Major Benefit
After inpatient benefits are
exhausted, benefit will apply.
A deductible of 500 must be paid,
before entitled to benefit2,500,000 per policy year
Lifetime limit 5,000,000Outpatient*:
GP consultation, home consultation,
specialist consultation,
physiotherapy, and
chiropractor treatment.
Chinese medicine
Chinese Bonesetter
Acupuncture
Diagnostic tests
(labatory and Xrays)*Referral required for
all outpatient benefitsFull Cover 400
400
400
8800 per policy yearMaternity:
Prenatal care and post natal care included with:
Normal delivery
Cesarian
Miscarriage22,000
38,000
25,000Dental:
Routine check up, X-ray,
scaling and polishing, amalgam
fillings, tooth extractions,
root canal,
accidental dental treatment
(bridges, dentures, crowns).5000 per policy year
Maximum 2 visits scaling
and polishing per year.
Unlimited visits on other
dental treatments listed.For more information about CIGNA health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.
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CIGNA Health First Medical Insurance (Expatriate Individual and Family Plan)
Level 2. CIGNA HealthFirst Choice Insurance Plan
The CIGNA HealthFirst Choice Insurance Plan includes a comprehensive hospital core plan, plus the option to add on additional medical benefits including:
- Supplementary major medical benefit
- Hospital Cash
- Outpatient cover
- Dental cover
- Add on member benefits
CIGNA HealthFirst Choice Insurance Plan has three levels of coverage options:
- Plan 1: Private
- Plan 2: Semi-private
- Plan 3: Ward
Member benefits are not included on the plan and incur an additional fee.
Hospital Cover Benefits Limits (HKD) Limits (HKD) Limits (HKD) All plans Plan 1 Plan 2 Plan 3 Annual limit:
Below 65
Over 65Unlimited 700,000 360,000 170,000 Hospital room Maximum
270 days per year2,800 per day 1,450 per day 680 per day Intensive care 25,000 22,000 20,000 Private Nursing Maximum
120 days per year820 per day 500 per day 300 per day Surgical:
Complex
Major
Intermediate
Minor78,500
47,000
20,500
70050,500
32,000
13,500
6,00038,500
24,500
10,000
5,000Anaesthetists Expenses:
Complex
Major
Intermediate
Minor24,800
12,800
6,000
3,20014,800
9,000
4,000
2,20011,500
7,000
3,000
2,000Operating Theatre Expenses:
Complex
Major
Intermediate
Minor24,800
12,800
6,000
3,20014,800
9,000
4,000
2,20011,500
7,000
3,000
2,000Inpatient Doctors call Inpatient Specialist fees
Pre-admission / post-hospitalisation fees
Maximum
270 days per year2,300 100,000
4,500
1,000 75,000
2,500
600 50,000
1,800
Accompaniment bed Maximum
270 days per year1,500 730 350 Optional Cover Limits (HKD) Limits (HKD) Limits (HKD) Plan 1 Plan 2 Plan 3 Supplementary Major Benefit After inpatient benefits are exhausted,
benefit will apply. A deductible of 500 must be paid, before entitled to benefit.560,000 per year
850,000 per lifetime limit280,000 per year
450,000 per lifetime limit120,000 per year
220,000 per lifetime limitHospital Cash A cash benefit is offered to the policy holder if they stay in a hospital where there is no medical fee (such as a public hospital). Benefit applied after three days of hospital stay.
500 per day
300 per day
200 per day
Outpatient*: Full Cover in Network or 80 percent cover
with limit:Full Cover in Network or 80 percent cover
with limit:Full Cover in Network or 80 percent cover
with limit:GP consultation
Home consultation
Specialist consultation
Physiotherapy
Chiropractor treatment380
720
660630
630240
520
480430
430180
350
350330
330Chinese medicine,
Chinese Bonesetter, and
AcupunctureFull Cover in
Network or
80 percent cover
with 230 limitFull Cover in
Network or
80 percent cover
with 180 limitFull Cover in
Network or
80 percent cover
with 150 limitDiagnostic tests
(labatory and Xrays)3,500 2,000 1,500 * Referral required for outpatient benefits Dental: Routine check up, X-ray,
scaling and polishing,
amalgam fillings,
tooth extractions,
root canal,
accidental dental treatment
(bridges, dentures, crowns).5000 per policy year 2 visits scaling and polishing per
year Unlimited
visits on other dental treatments listed.Same as per
Plan 1Same as per
Plan 1For more information about CIGNA health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.
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CIGNA Health First Medical Insurance (Expatriate Individual and Family Plan)
Level 3. CIGNA HealthFirst Core Insurance Plan
The CIGNA HealthFirst Core Insurance Plan includes an essential inpatient plan, plus the option to add on additional medical benefits including:
- Supplementary major medical benefit
- Outpatient cover
- Dental cover
PLUS Member benefits:
- 24 hour Worldwide Medical Assistance
- 24 hour CIGNA HealthFirst Hotline
- Second Medical Opinion
- CIGNA Complimentary Lifelong Preventative Program
- CIGNA Health and Wellness Program
Hospital Cover Benefits Limits (HKD) Annual limit
Below 65
Over 65Unlimited
150,000Hospital room Maximum 270 days per year
650 per dayIntensive care 10,000 Private Nursing Maximum 120 days per year
260 per daySurgical
Complex
Major
Intermediate
Minor30,000
22,500
9,000
4,000Anaesthetists Expenses
Complex
Major
Intermediate
Minor11,000
6,500
2,800
1,400Operating Theatre Expenses
Complex
Major
Intermediate
Minor11,000
6,500
2,800
1,400Inpatient Doctors call
Inpatient Specialist fees
Pre-admission and post-hospitalisation fees530 per day
2,000
1,500Accompaniment bed Maximum 182 days per year
2,500 per dayOptional Cover Limits (HKD) Supplementary Major Benefit
After inpatient benefits are exhausted, benefit will apply.
A deductible of 500 must be paid, before entitled to benefit100,000 per policy year
Lifetime limit 200,000Outpatient*: GP consultation
Specialist consultation
Physiotherapy,
Chinese medicine,
Chinese Bonesetter,
Acupuncture.Diagnostic tests
(labatory and Xrays)* Referral required for
all outpatient benefits20 co-payment
Unlimited visits50 co-payment
Unlimited visits50 co-payment
Maximum 10 visits per year1,200 per policy year
Dental: Routine check up, X-ray,
scaling and polishing, amalgam fillings,
tooth extractions, root canal,
accidental dental treatment
(bridges, dentures, crowns).2,000 per policy year
Maximum 1 visits for scaling
and polishing per year.
Unlimited visits on other dental treatments listed.For more information about CIGNA health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.
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CIGNA CritiCare Critical Illness Insurance Plan (Expatriate Individual and Family Plan)
- Critical Illness benefit is provided following diagnosis of a serious illness such as cancer.
- Death benefit offered: Paid premium or 5,000 (which ever is higher).
- Second medical opinion services: advice on diagnosis, treatment and alternative recommendations. Forward your medical records and discuss with specialist.
- 10 percent spouse discount on CritiCare Critical Illness policy.
For more information about CIGNA health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.
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CIGNA Cancer + Hospital Cash Insurance Plan (Expatriate Individual and Family Plan)
- Insurance for cancer and related hospitals expenses
- Limit up to HK$906,000
- Competitive premiums
Benefit Limit Cancer Benefit:
Cash benefit on
diagnosis of cancer200,000 Hospital Benefit 800 per day Maximum 584,000 Additional hospital benefit
Hospital treatments relating
to cancer800 per day Maximum $72,000 Medical expenses relating
to cancer treatment$50,000 International SOS medical
emergency hotline
Locate health care specialist,
hospital, organise medical
evacuation, anywhere in the world.N/A Medical Check Up at
Premier MediCare Services LTD.80 percent refund For more information about CIGNA health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.
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CIGNA Health Guard Platinum (Expatriate Individual and Family Plan)
The CIGNA Health Guard Platinum Plan includes a comprehensive hospital core plan, with three levels of coverage options available:
- Plan 1: Private
- Plan 2: Semi-private
- Plan 3: Ward
PLUS Option to add on Supplementary Major Medical Benefit.
CIGNA Health Guard Platinum
Hospital Cover Benefits Limits (HKD) Limits (HKD) Limits (HKD) All plans Plan 1 Plan 2 Plan 3 Annual limit:
Below 65
Over 65Unlimited Hospital room Maximum
90 days
per disability2,880 per day 1,300 per day 650 per day Intensive care Maximum
15 days
per disability3,160 per day 2,850 per day 2,550 per day Private Nursing Maximum
30 days
per disability530 per day 430 per day 260 per day Surgical:
Complex
Major
Intermediate
Minor62,000
43,000
17,000
6,30041,000
31,000
12,800
5,00030,000
22,500
9,000
4,000Anesthetists Expenses:
Complex
Major
Intermediate
Minor21,700
15,050
5,950
2,20514,350
10,850
4,480
1,75010,500
7,875
3,150
1,400Operating Theater Expenses:
Complex
Major
Intermediate
Minor21,700
15,050
5,950
2,20514,350
10,850
4,480
1,75014,350
10,850
4,480
1,750Inpatient Doctors fees Inpatient Specialist fees
Maximum
90 days
per disability2,500 12,800
1,120 5,200
620 3,100
Accompaniment bed Maximum
90 days
per disability600 400 200 Hospital Cash* Benefit applied after three days of hospital stay.
Maximum
90 days
per disability1,200 800 400 * A Hospital Cash benefit is offered to the policy holder if they stay in a hospital where there is no medical fee (such as a public hospital). Policy holders must have a Hong Kong Identity Card to obtain Hospital Cash benefit.
CIGNA Health Guard Platinum Optional Cover:
- The Supplementary Major Benefit will apply once expenses are exhausted under the CIGNA Health Guard Platinum Plan.
- The Supplementary Major Benefit will pay for 80 percent of excess of Health Guard Platinum Plan.
Limits (HKD) Limits (HKD) Limits (HKD) Supplementary Major Benefit Plan 1 Plan 2 Plan 3 Overall Plan Limit per disability
Hospital expenses*30,970 15,480 9,680 *Hospital expenses covered on Supplementary Major Benefit:
- Hospital room
- Intensive care
- Private Nursing
- Surgical
- Anesthetists Expenses
- Operating Theater Expenses
- Inpatient Doctors fees
- Inpatient Specialist fees
- Accompaniment bed
- Hospital Cash*
- Benefit applied after three days of hospital stay.
For more information about CIGNA health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.
