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Health insurance beyond protection — enriched with exciting rewards
Basic mileage rewards of up to 72,000 1 2
Earn double miles up to 20,000 from Cathay Shop or Card Linked Earn 5
Up to 5.5 months premium discount 2
Up to HKD2,000 flight discount 4
Health rewards for your family
Free annual body check
To be at your best, you need to first understand your health. The plan offers a free health check per policy year 6 7 to monitor your wellbeing, prevent and discover health issues early. With good health, you can now face life head on.
Coverage summary
Full coverage for various medical expenses with an annual benefit limit of up to HKD30 million and no lifetime benefit limit.
A global network of over 2 million medical providers to provide necessary medical support whenever you need it.
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 Kong8.
With pre-approval, you won’t need to pay a deposit to your medical providers or make a claim on medical expenses after discharge9, 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, plus designated private hospitals11.
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 cover12 | ||
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
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Zurich Screen Protection
Provide up to HKD3,000 one-time reimbursement on repair cost of the covered screen of your insured mobile device(including front and back) is accidentally damaged due to Bend or Crack; Fire or Burn Damage and Impact Damage.
Click here to learn more.
1 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
2 Reward is calculated based on a family of 4, including 2 adults and 2 children
3 Reward is calculated based on a family of 4, which includes: 32,000 from first year limited-time mileage offer, 20,000 from first year welcome offer,10,000 from onboarding elevated wellness journey, 10,000 from policy renewal reward, and up to 20,000 from Cathay Shop or Card Linked Earn.
4 The offer is valid until 31 December 2026. It is exclusively available to new members of elevated wellness journey. The flight discount consists of two 5% off promo codes, with each booking eligible for a discount of up to HKD500. Rewards are calculated based on a family of four: HKD500 × 2 flight discount promo codes × 2 eligible members aged 18 or above = up to HKD2,000 in flight discounts. For details of the newly upgraded elevated wellness journey, please refer to this webpage
5 The offer is valid until 31 December 2026. The reward from Cathay Shop or Card Linked Earn is exclusively available to members of elevated wellness journey. Eligible purchases made on Cathay Shop or via Card Linked Earn are entitled to 2X miles rewards, subject to a maximum of (A)10,000, totaling (A)20,000 for a family of four. For details of the newly upgraded elevated wellness journey, please refer to this webpage
6 The services are provided by the Company’s designated service provider(s). The services are subject to each designated service provider’s terms and conditions
7 Only applicable to person insured aged 12 or above
8 Subject to providing proof that a specified event has or is expected to occur
9 Whether you're in Hong Kong or overseas, you may submit the Pre-approval Form for Cashless Medical Service to Cigna Healthcare prior to hospitalization for assessment. With approval, you won't need to pay a deposit to your medical providers or make a claim on medical expenses after discharge. Eligibility for cashless medical services is subject to Cigna Healthcare's assessment and approval and is not guaranteed. Coverage is subject to the annual benefit limit, designated room type and area of cover
10 Refers to Mainland China in the product brochure. Please refer here for details
11 Cigna Healthcare reserves the right to review and revise the list of designated private hospitals from time to time without prior notice. You are advised to contact us via Cigna Healthcare’s Customer Service Team before confinement or receiving medical services
12 Please refer to the product brochure for detailed benefit limits
13 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
14 Value-added services are subject to individual cases
15 Premium is calculated based on a male, aged 27, selecting Dental Benefit plan 1 and Cancer Benefit plan 1
16 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
17 Premium is calculated based on a 18-year-old male, non-smoker, and selecting semi-private room with HKD50,000 deductible
18 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)