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Health insurance beyond protection — enriched with never-before-seen rewards
<New elevated wellness journey rewards> Up to HKD2,000 flight discount4
<New elevated wellness journey rewards> Earn double miles up to 20,000 from Cathay Shop or Card Linked Earn5
Basic mileage rewards of up to 72,0003
Up to 5.5 months3 premium discount
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 discharge6, whether you’re in Hong Kong or overseas.
<Newly enhanced> Up to HKD600,000 per policy year for phase 3 clinical trial drugs for designated stage III & IV cancers.
<Newly enhanced> Now covers all tier 3 hospitals, the highest hospital tier, plus hospitals on the designated list.
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 cover7 | ||
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
The following example is hypothetical and for illustrative purpose only. This case illustration is based on the assumption that no claims have been made under this plan prior to the incident described. The values presented may change over time, and no separate announcement will be made regarding such changes.
Calvin, enrolled in Cigna Cathay Premier Health Plan at 37 years old
Plan level: Worldwide excluding the US, Semi-Private and HKD15,000 deductible plan
1st year premium: HKD14,769 (non-smoker)
1st year basic miles rewards: up to 11,085, excluding limited time offer. Limited time offer varies from time to time. Please refer to the product offer page for up-to-date details.
Frequently asked questions
Help and support
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1 For details of the newly upgraded elevated wellness journey, please refer to this webpage
2 Person insured is required to join and complete a goal in wellness journey within 28 days of policy inception date ("Required Goal"). For family policies, either the Policy Holder 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, including 2 adults and 2 children
4 Reward is calculated based on a family of 4. It is exclusively available to new members of the elevated wellness journey. The flight discount consists of two 5% off promo codes, with each booking eligible for a discount of up to HKD500
5 Reward is calculated based on a family of 4. Eligible purchases made on Cathay Shop or via Card Linked Earn are entitled to 2X miles rewards, subject to a
6 Subject to providing proof that a specified event has or is expected to occur
7 Please refer to the product brochure for detailed benefit limits
8 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
9 Value-added services are subject to individual cases
10 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
11 Premium is calculated based on a male, aged 27, selecting Dental Benefit plan 1 and Cancer Benefit plan 1
12 Premium is calculated based on the standard premium of a 20-24 years old insured, non-smoker, and selecting a ward room plan with HKD50,000 deductible
13 Premium is calculated based on a 18-year-old male, non-smoker, and selecting semi-private room with HKD50,000 deductible
14 Premium is calculated based on a 30-year-old male, non-smoker, selecting HKD500,000 Sum Insured and yearly premium payment mode, and is equivalent to a daily premium of around HKD4.03 (HKD1,470 ÷ 365 days)