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CIGNA Health Insurance Pla

CIGNA Health Insurance plans for Expat Employees, Individuals and Family. Local Plans in the US and Europe. Get a free expat health cover quote here now.

CIGNA

  • CIGNA International Expatriate Health Insurance Plans

    CIGNA Local Health Insurance Plans

    For more information about CIGNA health insurance plans, or to receive a free Health Insurance Quote, please contact one of our dedicated advisers today.

  • Health Insurance for Expatriate Individuals and Families

    • CIGNA Health First Medical Insurance Series:

      1. CIGNA HealthFirst Elite Insurance Plan
      2. CIGNA HealthFirst Choice Insurance Plan
      3. 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 (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 BenefitsLimits (HKD)
    Annual limit
    Below 65
    Over 65
    Unlimited
    1,080,000
    Hospital room Maximum 182 days per year
    Full cover in Hong Kong
    5,000 per day overseas
    Intensive care 65,000
    Private Nursing 1,400 per day
    Surgical:
    Complex
    Major
    Intermediate
    Minor
    190,000
    95,000
    40,000
    16,500
    Anaesthetists Expenses:
    Complex
    Major
    Intermediate
    Minor
    61,800
    28,000
    12,800
    5,800
    Operating Theatre Expenses:
    Complex
    Major
    Intermediate
    Minor
    61,800
    28,000
    12,800
    5,800
    Inpatient Doctors call
    Inpatient Specialist fees
    Pre-admission and
    post-hospitalisation fees
    3,000
    18,800
    16,000
    Accompaniment bed Maximum 182 days per year 2,500 per day


    Optional CoverLimits (HKD)
    Supplementary Major Benefit
    After inpatient benefits are
    exhausted, benefit will apply.
    A deductible of 500 must be paid,
    before entitled to benefit    		 2,500,000 per policy year
    Lifetime limit 5,000,000
    Outpatient*:
    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 benefits
    Full Cover


    400
    400
    400
    8800 per policy year
    Maternity:
    Prenatal care and post natal care included with:
    Normal delivery
    Cesarian
    Miscarriage

    22,000
    38,000
    25,000
    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
    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.

  • 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 plansPlan 1Plan 2Plan 3
    Annual limit:
    Below 65
    Over 65    		 Unlimited 700,000 360,000 170,000
    Hospital room Maximum
    270 days per year    		 2,800 per day 1,450 per day 680 per day
    Intensive care   25,000 22,000 20,000
    Private Nursing Maximum
    120 days per year    		 820 per day 500 per day 300 per day
    Surgical:
    Complex
    Major
    Intermediate
    Minor    		  
    78,500
    47,000
    20,500
    700
    50,500
    32,000
    13,500
    6,000
    38,500
    24,500
    10,000
    5,000
    Anaesthetists Expenses:
    Complex
    Major
    Intermediate
    Minor    		  
    24,800
    12,800
    6,000
    3,200
    14,800
    9,000
    4,000
    2,200
    11,500
    7,000
    3,000
    2,000
    Operating Theatre Expenses:
    Complex
    Major
    Intermediate
    Minor    		  
    24,800
    12,800
    6,000
    3,200
    14,800
    9,000
    4,000
    2,200
    11,500
    7,000
    3,000
    2,000
    Inpatient Doctors call

    Inpatient Specialist fees

    Pre-admission / post-hospitalisation fees    		 Maximum
    270 days per year    		 2,300


    100,000


    4,500    		 1,000


    75,000


    2,500    		 600


    50,000


    1,800
    Accompaniment bed Maximum
    270 days per year    		 1,500 730 350


    Optional CoverLimits (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 limit


    280,000 per year
    450,000 per lifetime limit


    120,000 per year
    220,000 per lifetime limit
    Hospital 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 treatment    		 380
    720
    660

    630
    630    		 240
    520
    480

    430
    430    		 180
    350
    350

    330
    330
    Chinese medicine,
    Chinese Bonesetter, and
    Acupuncture    		 Full Cover in
    Network or
    80 percent cover
    with 230 limit    		 Full Cover in
    Network or
    80 percent cover
    with 180 limit    		 Full Cover in
    Network or
    80 percent cover
    with 150 limit
    Diagnostic 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 1

    Same as per
    Plan 1


    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 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 BenefitsLimits (HKD)
    Annual limit
    Below 65
    Over 65
    Unlimited
    150,000
    Hospital room


    		 Maximum 270 days per year
    650 per day
    Intensive care

    		 10,000
    Private Nursing


    		 Maximum 120 days per year
    260 per day
    Surgical
    Complex
    Major
    Intermediate
    Minor
    30,000
    22,500
    9,000
    4,000
    Anaesthetists Expenses
    Complex
    Major
    Intermediate
    Minor
    11,000
    6,500
    2,800
    1,400
    Operating Theatre Expenses
    Complex
    Major
    Intermediate
    Minor
    11,000
    6,500
    2,800
    1,400
    Inpatient Doctors call
    Inpatient Specialist fees
    Pre-admission and post-hospitalisation fees
    530 per day
    2,000
    1,500
    Accompaniment bed

    		 Maximum 182 days per year
    2,500 per day


    Optional CoverLimits (HKD)
    Supplementary Major Benefit
    After inpatient benefits are exhausted, benefit will apply.
    A deductible of 500 must be paid, before entitled to benefit
    100,000 per policy year
    Lifetime limit 200,000
    Outpatient*:

    GP consultation


    Specialist consultation


    Physiotherapy,
    Chinese medicine,
    Chinese Bonesetter,
    Acupuncture.

    Diagnostic tests
    (labatory and Xrays)

    * Referral required for
    all outpatient benefits

    20 co-payment
    Unlimited visits

    50 co-payment
    Unlimited visits

    50 co-payment
    Maximum 10 visits per year



    1,200 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.

  • 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.

  • 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


    BenefitLimit
    Cancer Benefit:
    Cash benefit on
    diagnosis of cancer
    200,000
    Hospital Benefit

    		 800 per day Maximum 584,000
    Additional hospital benefit
    Hospital treatments relating
    to cancer

    		 800 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.

  • 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 plansPlan 1Plan 2Plan 3
    Annual limit:
    Below 65
    Over 65
    Unlimited    		      
    Hospital room Maximum
    90 days
    per disability    		 2,880 per day 1,300 per day 650 per day
    Intensive care Maximum
    15 days
    per disability    		 3,160 per day 2,850 per day 2,550 per day
    Private Nursing Maximum
    30 days
    per disability    		 530 per day 430 per day 260 per day
    Surgical:
    Complex
    Major
    Intermediate
    Minor

    		  
    62,000
    43,000
    17,000
    6,300
    41,000
    31,000
    12,800
    5,000
    30,000
    22,500
    9,000
    4,000
    Anesthetists Expenses:
    Complex
    Major
    Intermediate
    Minor

    		  

    21,700
    15,050
    5,950
    2,205

    14,350
    10,850
    4,480
    1,750

    10,500
    7,875
    3,150
    1,400
    Operating Theater Expenses:
    Complex
    Major
    Intermediate
    Minor

    		  


    21,700
    15,050
    5,950
    2,205


    14,350
    10,850
    4,480
    1,750


    14,350
    10,850
    4,480
    1,750
    Inpatient Doctors fees

    Inpatient Specialist fees    		 Maximum
    90 days
    per disability

    		 2,500


    12,800    		 1,120


    5,200    		 620


    3,100
    Accompaniment bed Maximum
    90 days
    per disability

    		 600 400 200
    Hospital Cash*

    Benefit applied after three days of hospital stay.

    		 Maximum
    90 days
    per disability    		 1,200 800 400

    * 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 BenefitPlan 1Plan 2Plan 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.

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