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Get a quote for medical insurance now
Health insurance beyond protection
Fly to Seoul, Bangkok, or other hot Asian destinations for free1 with up to 87,000, adding up from a limited-time bonus of 8,000 with welcome offers2
Up to 30% off on first-year premium3
Access to elevated wellness journey on Asia Miles by Cathay app to embrace a healthy lifestyle with Asia Miles rewards
Enrol in Cigna Cathay Premier Health Plan to enjoy bonus miles and other welcome offers. For details, please refer to the examples below:
Example 1: Earn up to 87,550 for a family of 4:
Example 2: Earn up to 30,775 for a policy insured aged 18 or above
*Miles amount depending on number of policies purchased
^Person insured is required to join and complete a goal in wellness journey within 14 days of policy inception date
Coverage summary
Full coverage for various medical expenses with an annual benefit limit of up to HKD30 million and no lifetime benefit limit.
Issue age from 15 days old to 80 years old and guaranteed renewable up to age 100 of the Insured Person.
A global network of over 2 million medical providers to provide necessary medical support whenever you need it.
With pre-approval, you won’t need to pay a deposit to your medical providers or make a claim on medical expenses after discharge4, whether you’re in Hong Kong or overseas.
Add the Area of Cover Upgrade Guarantee to waive underwriting when you need to relocate, bringing you more flexibility and protection beyond the bounds of Hong Kong5.
Tailor your health plan by selecting your room type, area of cover and deductibles for your unique needs.
Benefit details
| Plan 1 | Plan 2 | Plan 3 | |
|---|---|---|---|
| Options for area of cover | Asia / Worldwide excluding the US / Worldwide | ||
| Room type (Hong Kong/Macau) | Standard ward | Semi-private Room | Standard private room |
| Room type (Outside Hong Kong / Macau) | Standard private room | ||
| Deductible | HKD0 / HKD15,000 / HKD30,000 | HKD0 / HKD15,000 / HKD30,000 / HKD60,000 | |
| Annual benefit limit (Applies to basic benefits) | HKD10 million | HKD20 million | HKD30 million |
| Lifetime benefit limit (Applies to basic benefits) | Unlimited | ||
| Key inpatient benefits | Fully cover6 | ||
The product information does not contain the full terms of the policy and the full terms can be found in the policy document.
Our partner
Cigna Healthcare
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.
Case Study
Frequently asked questions
Cigna Cathay Premier Health Plan is not a VHIS plan certified by the government, and the premium amount will not be eligible for tax deduction.
You will only be able to add the Optional Area of Cover Upgrade Guarantee during the policy application.
The plan provides pre- and post-confinement / day case procedure outpatient care, but general outpatient expenses are not covered.
Yes. Coverage for Pregnancy complications and Pregnancy, Prenatal and Postpartum Support will take effect after 1 year of the following dates:
- The Policy Issuance Date or the Policy Effective Date (whichever is later),
- The effective date of any reinstatement (if your policy and/or the respective benefits of your policy has been subsequently reinstated), and
- The issue date or the effective date of any increase in benefit (whichever is later).
Refer a friend to enrol in Cigna Cathay Premier Health Plan, and both of you can earn 1,000 miles after successful enrolment. Contact a Cigna Customer Advisor at +852 8100 2040 to participate. Terms and conditions apply.
Help and support
More insurance products
- Welcome offer terms and conditions apply.
- Wellness journey terms and conditions apply.
- Bonus miles promotion terms and conditions apply.
1 Reward in terms of Asia Miles, applicable to redeem flights to selected destinations operated by Cathay Pacific under Asia Miles standard award (excluding tax & fuel surcharge), subject to availability
2 Person insured is required to join and complete a goal in wellness journey within 14 days of policy inception date ("Required Goal"). For family policies, either the policyholder of any person insured(s) aged 18 or above on the policy inception date, must complete the required goal
3 Reward is calculated based on a family of 4
4 Subject to providing proof that a specified event has or is expected to occur
5 Subject to prior approval, annual benefit limit, designated room type and area of cover
6 Please refer to the product brochure for detailed benefit limits
7 Cigna Care Manager Service is a value-added service and subject to terms and conditions. Medical support service and value-added services arranged by Care Manager are subject to individual cases
8 Value-added services are subject to individual cases
9 With pre-approval, you won’t need to pay a deposit to your medical providers or make a claim on medical expenses after discharge, whether you’re in Hong Kong or overseas. It is subject to prior approval, annual benefit limit, designated room type and area of cover
10 Premium is calculated based on a male, aged 27, selecting Dental Benefit plan 1 and Cancer Benefit plan 1
11 Calculated based on the standard premium of a 20-24 years old insured, who selects a ward room plan with HKD50,000 deductible
12 Premium is calculated based on a 18-year-old male, non-smoker, and selecting semi-private room with HKD50,000 deductible
- China – the Chinese Mainland, Hong Kong SAR, Macao SAR and Taiwan Region
- Hong Kong SAR - English
- Chinese Mainland (China) - English
- Taiwan China - English
- 香港特別行政區 - 繁體中文
- 中国內地 - 简体中文
- 中國台灣 - 繁體中文
- Africa
- South Africa - English
- Asia
- Bangladesh - English
- Korea - English
- Singapore - English
- Cambodia - English
- 한국 - 한국어
- Sri Lanka - English
- India - English
- Malaysia - English
- Thailand - English
- Indonesia - English
- Maldives - English
- ประเทศไทย - ภาษาไทย
- Indonesia - Bahasa Indonesia
- Myanmar - English
- Vietnam - English
- Japan - English
- Nepal - English
- Việt Nam - tiếng Việt
- 日本 - 日本語
- Philippines - English
- Australasia
- Australia - English
- New Zealand - English