Successfully enrol in Cigna Plus Medical Plan to earn 3,000 in the first policy year, rewarding your healthy lifestyle.
Offers up to HKD1 million per year in hospital and surgical benefits, claiming up to 90% of hospital and surgical expenses after paying the annual deductible.
Wide deductible options ranging from HKD30,000 to HKD200,000 per policy year, in addition to 3 plan levels room type to tailor your best protection.
Once the policy is issued, regardless of your health conditions or claims record, the policy is guaranteed renewable every year.
Subject to maximum benefit limit, after paying the annual deductible, you are covered up to 50% of hospitalisation expenses even if hospitalised outside Hong Kong.
Once the application is approved, the protection will take effect immediately without waiting period.
Premium will not be increased due to changes in your health conditions, claims records or occupation upon policy renewal.
Plan 1 (Private) | Plan 2 (Semi-private) | Plan 3 (Ward) | |
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Hospital and surgical benefits:
|
HKD1,000,000 (Pays up to 90% of hospital and surgical benefits. If the hospitalisation is incurred outside Hong kong, the percentage will be 50%) |
The product information does not contain the full terms of the policy and the full terms can be found in the policy document.
CIGNA Worldwide General Insurance Company Limited (Cigna Healthcare) is a global health service provider with a worldwide network of healthcare providers, clinics and facilities. This insurance plan is underwritten by Cigna Healthcare.
Cathay Pacific Airways Limited is an insurance agency (License No.: FA3522) authorised by Cigna Healthcare for the distribution of general insurance products in HKSAR.
Cathy, 39 years old
Non-smoker, with group medical coverage provided by her company
Plan level: Ward, HKD50,000 deductible plan
Cathy suffered from a Benign Tumor at aged 40 that needed craniotomy surgery and brain tumor excision. It costed in total HKD600,000, while her group medical policy entitled her to only HKD42,000.
The plan helped to relieve her financial burdens arising from her expensive surgery:
Hence, with Cigna Plus Medical Plan, Cathy has reimbursed HKD494,334 in total, and earned Asia Miles from the plan at the same time.
Only Cathay members who are 18 years old or above with a valid HKID can enrol in the plan, and the person insured must be aged 15 days or above.
Simply complete the schedule a call form to speak with a Cigna Customer Advisor for enrolment.
Deductible is the amount of expenses that the policyholder or the person insured must bear each policy year. After meeting the deductible, the plan covers up to 90% of hospital and surgical expenses within Hong Kong and 50% for hospitalisation outside Hong Kong.
You have the right to cancel the policy at any time by giving at least 30 days written notice to Cigna Healthcare. If the policy is cancelled during a policy year, Cigna Healthcare reserves the right to charge you the premium until the end of such policy year. Before you purchase a policy, we suggest you read through the product details carefully or contact Cigna Customer Advisor to learn more.
You can either login to Cigna Healthcare’s customer portal or download MyCigna HK application to submit a claim.
1 Calculated based on the standard premium of a 20-24 years old insured person, who selecting a ward room plan with HKD50,000 deductible
2 Premium is calculated based on a 30-year-old male, non-smoker, and selecting the Asia semi-private room plan with HKD15,000 deductible
3 Calculated based on a male, aged 27, selecting Dental Benefit plan 1 and Cancer Benefit plan 1
4 The maximum premium allowed for tax deduction is HKD8,000 per insured person per tax year, with no cap on the number of policies or dependents you claim a deduction for. Terms & conditions apply
5 Calculated based on an aged 18 year old insured person, non-smoker selecting the semi-private room plan with HKD50,000 deductible