Claire Dawson
Cigna is a healthcare and medical insurance company that offers a range of health insurance plans in Hong Kong. Cigna's insurance plans provide coverage for hospitalisation, surgical procedures, and other medical expenses. They offer both standard and flexible plans, allowing members to tailor their health protection according to their individual needs. Cigna has a strong presence in Hong Kong, with a wide network of hospitals, clinics, and doctors. The company has been serving the healthcare needs of Hong Kong residents, including expatriates, for many years, providing comprehensive and flexible health insurance options.
| Characteristics | Values |
|---|---|
| Type of company | Medical insurance company |
| Location | Hong Kong |
| Target customers | Expats and travellers |
| Number of doctors and hospitals in the network | Over 1,000,000 |
| Types of plans | Silver plan, Cigna Plus Medical Plan, Cigna Civil Servants Medical Insurance Scheme, VHIS Certified Plans, Flexi Plan (Superior) |
| Features of the Silver plan | International inpatient and day patient cover, hospital stays and treatment, inpatient maternity care, outpatient care, medical evacuation, repatriation |
| Features of the Cigna Plus Medical Plan | Hospitalization and surgical coverage for up to HK$1 million a year, three different plan options with different room types |
| Features of the Cigna Civil Servants Medical Insurance Scheme | Basic medical coverage, different room levels (private room, semi-private room, and ward) |
| Features of the VHIS Certified Plans | Standard Plan and several Flexi Plans, basic hospitalization coverage with global coverage and an annual limit of HK$420,000 per policy year, guaranteed policy renewability up to 100 years of age, no restriction on the choice of healthcare providers or hospital ward classes |
| Features of the Flexi Plan (Superior) | Comprehensive hospital and surgical benefits, including pre-confinement and post-confinement services, day case procedures, and outpatient care, annual benefit limit for the Ward Level is HK$5,000,000, the Semi-Private is HK$30,000,000 |
| Other features | One-to-one support offered by registered nurses, Flex-ray tool to analyse Movement Health, hassle-free experience for day surgery procedures, health cover for expatriates in Hong Kong, health insurance benefits for civil servants employed by the Hong Kong government |
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What You'll Learn
Cigna's global health insurance plans
Cigna is a popular health insurance choice in Hong Kong, with a range of global health insurance plans catering to the needs of expats and locals alike. The company has a strong focus on prevention and offers flexible and affordable health insurance plans. With roots tracing back over 200 years, Cigna has a long-standing reputation for trust and financial stability.
Cigna's international health insurance plans in Hong Kong also include comprehensive coverage options, with higher overall annual limits and added benefits such as inpatient maternity care. Their highest level of coverage offers an unlimited overall annual limit, with most benefits paid in full. The Silver plan provides international inpatient and day patient cover, including hospital stays and treatment.
Cigna's health insurance plans in Hong Kong offer flexibility, with the ability to tailor plans to suit individual needs. They provide comprehensive customer support and a unique one-to-one healthcare concierge service supported by registered nurses. Cigna's plans also offer cashless medical services, allowing policyholders to avoid paying deposits and medical charges upfront at private hospitals.
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Cigna Plus Medical Plan
Cigna Healthcare is a medical insurance company that offers a range of health insurance plans in Hong Kong. The company has a strong focus on prevention and provides flexible and affordable health insurance plans. Cigna has been serving the healthcare needs of individuals and businesses in Hong Kong since 1933.
Cigna's Open Access Plus (OAP) plans offer flexibility in choosing a primary care provider (PCP). With an OAP plan, you can easily access quality, in-network care from a large national network of providers. You also have the option to choose a PCP to coordinate your care, and you don't need specialist referrals. Out-of-network services are covered, but you will likely face higher out-of-pocket costs and may need to file a claim.
Cigna's international health insurance plans in Hong Kong provide comprehensive coverage, including inpatient and day patient cover for hospital stays and treatments. The Silver plan includes international inpatient and day patient cover, with higher overall annual limits and benefits such as inpatient maternity care. The highest level of coverage offers an unlimited overall annual limit, with most benefits paid in full.
Cigna's international health insurance plans also offer extensive outpatient care for treatments that do not require an overnight hospital stay. This includes prescribed outpatient drugs and medical evacuation in emergencies when treatment is not available locally.
Cigna's health insurance plans in Hong Kong also include unique features such as a one-to-one healthcare concierge service, complimentary medical treatment advice, and support from registered nurses. The company also offers exclusive discounts for civil servants and non-civil servants employed by the Hong Kong Government.
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Cigna's VHIS Certified Plans
Cigna is a medical insurance company offering a range of health insurance plans in Hong Kong. Cigna has been serving the healthcare needs of those in Hong Kong since 1933. The company has a strong focus on prevention and offers flexible and affordable health insurance plans.
With Cigna's VHIS Certified Plans, policyholders can submit claims and manage their insurance through the MyCigna app. Premiums paid for these plans are also eligible for tax deductions. Cigna's extensive global network provides customers with access to trusted hospitals, clinics, and doctors worldwide, ensuring top-quality healthcare wherever they are.
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Cigna's Flexi Plan (Superior)
Cigna is a medical insurance company that has been operating in Hong Kong since 1933. It offers a range of health insurance plans, including the Cigna Voluntary Health Insurance Scheme (VHIS) Series - Flexi Plan (Superior).
The Flexi Plan (Superior) provides comprehensive medical benefits for both inpatient and outpatient treatment, including accidental emergency dental and acute outpatient treatment. The plan has been designed to address the needs of the public health system in Hong Kong by providing more extensive coverage at an affordable price.
One of the key features of the Flexi Plan (Superior) is the removal of the maximum number of days per policy year limit for key inpatient benefits. This includes coverage for room and board, attending doctor's visit fees, and intensive care, with no dollar limit. The plan also covers the expenses for an extra bed for an individual who accompanies the insured person in the hospital.
In addition to the Flexi Plan (Superior), Cigna offers other plans such as the Silver plan, which provides international inpatient and day patient cover, including hospital stays and treatment. Cigna also has a strong focus on prevention and offers niche products designed specifically for expats, leveraging its global healthcare network to provide comprehensive health and wellness solutions.
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Cigna's HealthFirst Choice Medical Plan
Cigna Worldwide General Insurance Company Limited has been authorised and regulated by the Insurance Authority to carry out general insurance business in or from the Hong Kong SAR. Cigna offers a range of health insurance plans in Hong Kong, including the Cigna HealthFirst Choice Medical Plan.
The Cigna HealthFirst Choice Medical Plan is a comprehensive plan that offers cancer protection and hospitalisation benefits. The plan provides hassle-free hospitalisation, allowing customers to focus on receiving treatment without any upfront payment. The Hospital and Surgical Benefits are effective for an initial period of 12 months and are guaranteed renewable for successive 12-month periods upon premium payment.
The Cigna HealthFirst Choice Medical Plan is part of the Cigna HealthFirst Medical Plan Series, which also includes the Elite Medical Plan, the DiaMedic Plan, and other policies defined by the company. Cigna's plans offer flexibility and affordability, with a strong focus on prevention. They cater to a wide range of customers, including expats, travellers, and corporate clients.
Cigna has a large global presence, providing extensive coverage worldwide. In Hong Kong, Cigna has an extensive network of over 1,000,000 doctors and hospitals dedicated to delivering top-quality healthcare services. Cigna also offers a unique one-to-one healthcare concierge service, providing personalised support and advice from registered nurses.
Cigna's reputation for trust and financial stability, along with its commitment to improving the health and vitality of its customers, makes it a reliable choice for those seeking comprehensive health insurance plans in Hong Kong.
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Frequently asked questions
Cigna is a medical insurance company that offers health insurance plans in Hong Kong.
Cigna offers a range of health insurance plans in Hong Kong, including the Cigna Plus Medical Plan, the Silver Plan, the HealthFirst Choice Medical Plan, and the DIY Health Plan. These plans offer different levels of coverage and benefits, such as hospitalization, surgical, and outpatient care, as well as the option to tailor the plan to individual needs.
Yes, Cigna's insurance plans cover a wide range of hospitals in Hong Kong. Cigna has an extensive network of over 1,000,000 doctors and hospitals worldwide, providing top-quality healthcare and financial protection programmes.
Cigna offers comprehensive customer support, flexible plans, and an international healthcare network. Their plans provide coverage for hospitalization, surgical procedures, and outpatient care, with the option to add benefits like outpatient drugs and dental coverage.
To submit a claim with Cigna in Hong Kong, you can use the "MyCigna HK" mobile app. You will need to submit the required documents, including the Attending Physician Statement and any relevant compensation breakdown, within 90 days from the date the medical expenses were incurred.
