FAQ

About CIGNA

How was the name CIGNA formed?
The name was formed in 1982 through the combination of INA Corporation and Connecticut General Corporation. Our name mixes the letters INA and CG together.

Back to Top

Where can I find CIGNA in other countries?
CIGNA companies are located in the United States, Canada, Guatemala, Chile, Spain, Italy, Germany, Switzerland, France, the Netherlands, Belgium, Scotland, the United Kingdom, Thailand, Singapore, Indonesia, China, Korea, Taiwan, Hong Kong, Japan and New Zealand. (go to www.CIGNA.com)

Back to Top

How long has CIGNA been in Hong Kong?
A precedessor of CIGNA companies was the first American Company to write insurance in China by entering Shanghai early in 1897 through INA. We entered the Hong Kong market in 1933. We established direct market through partnerships in 1979 and began our Healthcare & Group benefits and Individual Life operations in 1983 and 1987 respectively. (To know more, please go to CIGNA Hong Kong)

Back to Top

What kinds of products are offered by CIGNA Hong Kong?
CIGNA Hong Kong offers life, accident and health insurance products for both individuals and groups. We were one of the first insurers to launch an investment-linked product, named the Gold Medal Plan. CIGNA was also one of the first to develop packaged products specific to the needs of small business owners in Hong Kong. (To know more, please go to Our Plans)

Back to Top

If I joined a policy at CIGNA one country office, can I make enquiry or claims with CIGNA office located at other country?
No, you should contact the respective country's CIGNA office.

Back to Top

I'm interested in working at CIGNA - are there any jobs available now?
Working at CIGNA highlights positions that are currently available in our Hong Kong office. Please feel free to send us your resume.

Back to Top

About Your Policy

What are the general exclusions under my policy?
The general exclusions are all stated on the policy provision, or you may refer to the below:

  • any congenital anomalies, infertility or sterilization;
  • cosmetic surgery;
  • pregnancy, childbirth, miscarriage, abortion or complications arising from any of them even though such loss may have been accelerated or induced by the Bodily Injury or Sickness;
  • any illegal act of the Person Insured in the country where the Bodily Injury or Sickness occurs;
  • being in a state of insanity or psychiatric or psychological disturbance;
  • being under the influence of alcohol or drug unless the drug is properly prescribed and was not taken for the treatment of drug addiction;
  • driving any kind of vehicle while the alcohol level in Person Insured's breath, blood or urine is higher than the legal limit in the country where the Bodily Injury or Sickness occurs;
  • service in any armed force while: i) in the time of War; ii) under orders for warlike operations; or iii) restoration of public order. For the avoidance of doubt, armed force shall include any police force of a country;
  • War or any act of War, invasion, act of foreign enemy, hostilities (whether war be declared or not), Strike, Riot and/or Civil Commotion, civil war, rebellion, revolution, insurrection, military or usurped power or Terrorism;
  • Terrorism involving the use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or the dispersal or application of pathogenic or poisonous biological or chemical materials; or the release of pathogenic or poisonous biological or chemical materials;
  • taking part in any air sport, air travel or any other kind of aviation activities, other than travelling as a fare-paying passenger on regular scheduled commercial aircraft which is provided and operated by an airline or air charter company which is properly licensed to do so;
  • suicide, attempted suicide, suicide pact or deliberate self-inflicted injury, while sane or insane;
  • dental care and treatment, except as necessitated by Accidental injury to sound natural teeth;
  • Pre-existing Condition;
  • Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or other forms of the virus;
  • rest cures, treatment in sanatoria or functional disorders of the mind;
  • any condition which is or results from or is complication infection with a venereal disease;
  • tonsils, adenoids, hyperthyroidism, hernia, disease peculiar to the female generative organs or haemorrhoids until the Person Insured has been covered under this Policy for a period of six (6) calendar months immediately preceding such surgery (applicable for Surgical Expenses benefit only); or
  • the Person Insured participating in or conducting training for any of the following activities:
    • underwater swimming or diving and use any type of equipment to aid breathing;
    • any kind of climbing, or mountaineering using rope or guides;
    • pot-holing;
    • parachuting, any kind of gliding, ballooning, bungi-jumping or micro-lighting;
    • any type of explosions (including but not limited to firework or firecracker);
    • winter-sports;
    • hunting;
    • driving or riding in any kind of race; or
    • professional sports.
  • Confinement in an establishment which is not a Hospital as defined;
  • Confinement for routine physical or any other examination where there is no objective indications or impairment in normal health; or
  • any Sickness that the Person Insured contracts or suffers during the Elimination Period.

Please note the above stated exclusions are the general exclusions of our insurance plans and for reference only. Please refer to your policy provision for more details.

Back to Top

How can I pay my premium?
For policy number with prefix "HL", "HK" or "HG", you can pay by autopay, cheque, direct bank deposit or PPS (Payment by Phone Service). Our PPS merchant code is 9139. Please call our customer service hotline at 2892 2166 for more information.

For policy number with other prefix, please call our customer service hotline at 2560 1990 to know more about your payment method.

Back to Top

What will happen if non-payment of premium after grace period?
The policy will be ended automatically.

Back to Top

How to change my auto pay bank account or my credit card number?
For policy number with prefix "CT", "CTM", "CC", "HMK" or "HMKHK", you can download the Change Request Form at Customer Care>Form in our website. Please complete the Change Request Form and return to our office by fax or mail. You may contact our Customer Service Hotline at 2560 1990 for more information.

For policy number with other prefix, please call our Customer Service Hotline at 2892 2166 to know more information about the change request.

Back to Top

What's the difference between hospital income protection and hospitalization expenses reimbursement?
Hospital Income Protection provides coverage when you are hospitalized, usually in a fixed regular amount, regardless of the actual amount of hospitalized expenses incurred. Hospitalization expenses reimbursement provides the reimbursement of exact medical expenses incurred due to the incident. Maximum coverage amount applies to both types of coverage, please refer to your policy for details.

Please note the above information is for reference only; please refer to your policy coverage for details.

Back to Top

I'm one of your investment linked insurance policyholders. Where can I find a reference of the latest fund unit price?
Fund Price offers the latest price. You can also find fund prices in the Standard (from Mon to Fri), Sing Tao Daily (from Mon to Sat) or the Hong Kong Economic Times (from Tue to Sat).

Back to Top

I've received a complimentary Medical Check-up Discount Coupon / Lady Check-up Coupon / Dental Check-up Coupon. Where are the clinic locations and how can I know their appointment hotline number and service hours?
Medical Check-up Discount Coupon (Appointment Hotline Number 2785 7011)

Back to Top

Address Opening Hours
Causeway Bay
V-Care Health Centre: Rm. 2302, Hang Lung Centre, 2-20 Paterson St., Causeway Bay, H.K Mon - Fri
Sat		 9:30am - 1:30pm ; 2:30pm - 6:30pm
9:30am - 1:30pm ; 2:30pm - 4:00pm
Central
PHC Medical Diagnostic Centre Ltd.: Room.1108, Melbourne Plaza, 33 Queen's Road, Central, HK. Mon - Fri
Sat		 9:30am - 1:30pm ; 2:30pm - 6:30pm
9:30am - 1:30pm
Mongkok
V-Care Health Centre: Room 1207B, 12/F, Sino Centre, 582-592 Nathan Rd., Mongkok, Kln. Mon - Fri
Sat		 9:30am - 1:30pm
9:00am - 1:30pm ; 2:30pm - 4:00pm
PHC Medical Diagnostic Centre Ltd.: Room 613, 6/F, Champion Bldg., 301-309 Nathan Rd., Kln. Mon - Sat 9:30am - 6:30pm
Cheung Sha Wan
PHC Medical Diagnostic Centre Ltd.: Rm. 1806- 18/F, No. 9 Wing Hong St., Cheung Sha Wan, Kln. Mon - Fri
Sat		 9:30am - 1:00pm ; 2:30pm - 6:00pm
9:30am - 1:00pm
Tsuen Wan
PHC Medical Diagnostic Centre Ltd.: Rm 1107, Nan Fung Centre, 264-298 Castle Peak Rd, Tsuen Wan, N.T. Mon - Sat 9:30am - 1:30pm ; 2:30pm - 6:30pm
(Last updated: 07 May 2008)

Back to Top

Lady Check-up Coupon designated for Policy prefix – HMKHK only (Appointment Hotline Number 2785 7011)

Appointed Clinics Location

Address Clinic Hours with Female Dr
Central
Room 1002, Asia Standard Tower, 59-65 Queen’s Road Mon, Tue, Thu
Fri
Sat		 9:30am - 1:00pm ; 3:00pm - 7:00pm
9:30am - 12:30pm ; 4:00pm - 7:00pm
9:30am - 1:00pm ; 2:00am - 3:30pm
3/F, New World Tower 2, 18 Queen's Road Mon - Sat
Tue & Thu		 9:00am - 1:00pm
2:00pm - 5:30pm
Room 702 Manning House, 38 Queen's Road Mon - Fri 12:00noon - 2:00pm
Causeway Bay
Room 2302, Hang Lung Centre, 2-20 Paterson Street Wed & Fri Wed & Fri
Quarry Bay
612 Devon House, Taikoo Place Mon - Fri
Sat		 9:00am - 6:00pm
9:00am - 1:00pm
Mongkok
Room 1003, Hang Seng, Mongkok Bldg., 677 Nathan Road Mon - Sat 10:30am - 1:00pm ; 4:30pm - 7:00pm
Ngau Tau Kok
No. 30, G/F, Wang Kong Bldg., 33 Ngau Tau Kok Road Mon - Fri
Sat, Sun, PH		 8:30am - 1:00pm ; 4:00pm - 7:30pm
8:30am - 1:00pm
Tseung Kwan O
Shop 207, 2/F, East Point City Mon & Sat
Tue - Thu
Tue - Fri
Fri		 10:00am - 1:00pm ; 2:00pm -6:00pm
9:30am - 12:00pm
1:00pm - 5:30pm
6:00pm - 8:30pm
Tsim Sha Tsui
9/F Kaiseng Comm. Centre, 4-6 Hankow Road Mon - Fri
Sat		 9:00am - 6:30pm
9:00am - 1:00pm
Yau Ma Tei
Room 701 Onward Building, 528 Nathan Road Mon - Fri
Sat		 9:30am - 4:00pm
9:30am - 1:00pm
Kwai Chung
Shop No.10, Blk 2, Lei Muk Shue Estate Mon - Sat
Sun & PH		 8:30am - 12:30pm ; 4:30pm - 10:00pm
8:00am - 1:00pm
Shop LG 116, Shek Yam Shopping Ctr, Shek Yam Mon - Sat
Sun & PH		 8:00am - 1:00pm ; 4:00pm - 10:00pm
8:00am - 1:00pm
Tsuen Wan
Unit 712, Nan Fung Centre, 264-298 Castle Peak Road Mon - Sat
Mon - Fri		 9:00am - 1:00pm
3:00pm - 6:30pm
(Last updated: 07 May 2008)

Back to Top

Lady Check-up Coupon designated for Policy prefix – HK or HL only (Appointment Hotline Number 2851 3303)

**with Female attending doctor 
Central
**Quality HealthCare Medical Centre
Rooms 706-709, Crawford House, 70 Queens's Road Central, Central, Hong Kong.
(Ultrasound facility available in the same district by arrangement)
Admiralty
**Quality HealthCare Medical Centre
Unit 1605-09, 16/F, Tower 1, Admiralty Centre, 18 Harcourt Road, Admiralty, Hong Kong.
(Ultrasound facility available by arrangement)
Causeway Bay
**Quality HealthCare Medical Centre
Room 1301, 13/F, East Point Centre, 555 Hennessy Road, Causeway Bay, Hong Kong.
(Ultrasound facility available in the same district by arrangement)
Quarry Bay
**Quality HealthCare Medical Centre
Suite 304, Oxford House, Taikoo Place, 979 King's Road, Quarry Bay, Hong Kong.
North Point
**Quality HealthCare Medical Centre
Shop 27D, G/F, State Theatre Building, 277-291 King's Road, North Point, Hong Kong.
(Ultrasound facility available in the same district by arrangement)
Sheung Wan
**Quality HealthCare Medical Centre
1/F, 303, Des Voeux Road Central, Sheung Wan, Hong Kong.
Stanley Plaza
**Quality HealthCare Medical Centre
Shop 404A, Level 4, Stanley Plaza Shopping Centre, Stanley, Hong Kong.
Kowloon Bay
**Quality HealthCare Medical Centre
Telford Medical Centre, Block I, G/F, Telford Gardens, Kowloon Bay, Kowloon.
Mongkok
**Quality HealthCare Medical Centre
8/F, Wai Fung Plaza, 664 Nathan Road, Mongkok, Kowloon.
(Ultrasound facility available in the same district by arrangement)
Tsim Sha Tsui
**Quality HealthCare Medical Centre
Room 608-613, 6/F, Hong Kong Pacific Centre, 28 Hankow Road, Tsimshatsui, Kowloon.
(Equipped with Pelvis Ultrasound facility)
Shatin
**Quality HealthCare Medical Centre
Room 905-907, 9/F, New Town Tower, 10-18 Pak Hok Ting Street, Shatin, New Territories.
(Ultrasound facility available in the same district by arrangement)
Tsing Yi
**Quality HealthCare Medical Centre (Tsing Yi Maritime)
Shop 308D, Level 3, Maritime Square, 33 Tsing King Road, Tsing Yi, New Territories.
(Tsing Yi MTR Station Shopping Mall)
Quality HealthCare Medical Centre (Tsing Yi MTR)
2- Shop TSY 47. G/F Level, MTR Tsing Yi Station
Tai Po
**Quality HealthCare Medical Centre
Unit 4, G/F, Fook On Building, 43 Heung Sze Wui Street, Tai Po, New Territories.
**with Female attending doctor
(Last Updated: 28 Apr 2009)

Back to Top

Dental Check-up Coupon

Appointed Clinics Location

Address Opening Hours
Causeway Bay
Dr. Lau Lai Ming, Marco
Rm. 1808, East Point Centre, 555 Hennessy Road, Causeway Bay
2892 0278		 Mon - Fri
Sat
Sun, Public Holidays		 10:00am - 1:00pm ; 3:00pm - 7:00pm
10:00am - 1:00pm ; 3:00pm - 6:00pm
Closed
Central
Dr. Loana Lee
Rm 403 Tower I, New World Tower, 16-18 Queen's Road Central, Hong Kong
2522 9393		 Mon - Fri
Sat
Sun, Public Holidays		 10:00am - 7:00pm
By Appointment Only
Closed
Hung Hom
Dr. Lau Chu Kwong, Mathew
G68, Hung Hum Square, 37-39 Ma Tau Wai Road, Hung Hom
2364 9561		 Mon - Sat
Sun, Public Holidays		 10:00am - 1:30pm ; 2:30pm - 7:30pm
Closed
Mongkok
Dr. So Ping Fai, Alfred
Suite 1111, Wu Sang House, 655 Nathan Road, Mongkok
2364 9561		 Mon - Sat
Sun, Public Holidays		 10:00am - 1:30pm ; 2:30pm - 7:30pm
Closed
Fanling
Dr. Tsang Fuk Wah, Clarence
Shop 111-112, Cheung Chung House, Cheung Wah Estate, Fanling
2676 1328		 Mon - Fri
Sat, Sun, Public Holidays		 9:30am - 1:00pm ; 3:00pm - 8:00pm
Closed
Kwai Chung
Dr. Lo Shun Ming, Samuel
Shop B1, Kam Wah Building, 2 Shek Yi Road, Kwai Chung
2418 2578		 Tue,Thu
Sat
Sun
Public Holidays		 9:00am - 1:00pm ; 3:00pm - 9:00pm
9:00am - 1:00pm ; 3:00pm - 7:00pm
9:00am - 1:00pm
Closed
Dr. Chu Kwok Hung, Lody
Shop B1, Kam Wah Building, 2 Shek Yi Road, Kwai Chung
2418 2578		 Mon, Wed, Fri
Sun
Public Holidays		 9:00am - 1:00pm ; 3:00pm - 9:00pm
9:00am - 1:00pm
Closed
(Last Updated: Dec 2007)

Back to Top

If my family moves to overseas, what procedure do I need to handle?
For our better communication in future, please inform us of your new address so that all correspondence can reach you wherever you are.

Back to Top

About Your Claim

When should I submit my claim notice?
All claim notice should be submitted within 30 calendar days counted from incident date.

Back to Top

What kind of forms should I fill in when I submit my claim notice?
Under normal circumstances, claimant should submit appropriate claim form with part 1 & part 2 completed (you may click here to download), together with medical report or discharge summary/slip.

Back to Top

Can I submit my claim via fax or email?
Yes, you can submit your claim via fax line 2886 3722 or email to enquiryhk@cigna.com but the claim must be related to hospital income protection only. For other types of claims, please call 2560 1990 for appropriate claim procedure.

Back to Top

How can I check my claim status?
You may call our customer service hotline at 2560 1990 (Mon – Fri, 9am – 5:30pm, except public holiday).

Back to Top

Can I request for re-issue of claim cheque due to cheque loss, cheque expired or wrong payee?
Yes, please submit written request for any cheque re-issuance.

Back to Top

My medical expense has been reimbursed by other insurer, would there be any influence on my benefit claim to your company?
Yes, but it only affects your benefit claim amount of medical expense. We will need the breakdown of the reimbursement of other insurer against your original receipts incurred from the incident in order to calculate the remaining balance amount to be covered by us.

Back to Top

I've submitted original receipts when filing my claim, can I request to get them back when the claim is completed?
Yes, you can request to get the original receipts back through written request.

Back to Top

About PDPO

How can I obtain the Personal Information Collection Statement of CIGNA Hong Kong?
Please click here to download the Personal Information Collection Statement of CIGNA Hong Kong.

Back to Top

Contact Us

How to contact CIGNA Hong Kong if I have further enquiries?
Please click here for our contact information.

Back to Top