CIGNA HealthFirst Elite

CIGNA HealthFirst Elite provides you with the best medical insurance solution:
  • Based on prevention and ongoing health and wellness program to help you make the right choice to manage your health and to enjoy life.
  • Comprehensive coverage with optional Supplementary Major Medical Benefit up to HK$ 5 million1 allows you to choose your preferred treatment in times of rapid medical expense inflation.
  • Full claim on hospital room and board in Hong Kong, major outpatient expenses.
  • Worldwide coverage for medical emergency.
  • Concierge service to arrange appointment of preventive, health and wellness services.

>>Plan Details   >>Case Illustration

Plan Highlights

  • No deposit at admission, No claim needed after discharge2
  • No individual premium loading
  • Second medical opinion service
  • Lifetime renewal 3
  • 24-hour CIGNA HealthFirst hotline
  • Customer-oriented coverage
  • 10% discount on the premium for non-smokers
  • No claim discount at renewal
  • Children's discount
  • CIGNA Complimentary Lifelong Preventive Program
  • CIGNA Health & Wellness Program

CIGNA HealthFirst Elite at a glance

Basic Plan Hospital and Surgical Benefit (covers Hospital Room and Board, Miscellaneous Expenses, Intensive Care Unit Expenses, Private Nursing Expenses, Surgical Expenses, Anaesthetist’s Expenses, Operating Theatre Expenses, Inpatient Doctor’s Call, Inpatient Specialist’s Fee, Pre-admission and Post-Hospitalization Outpatient Expenses, etc.)
Optional Benefits Supplementary Major Medical Benefit
Outpatient Benefit (covers General Practitioner, Specialist, Physiotherapist, Chiropractor, Chinese Herbalist, Chinese Bonesetter, Acupuncturist, Prescribed Western Medication, Home Consultation, Diagnostic Imaging and Laboratory test. You can consult your preferred medical professionals or use the in-network services.)
Dental Benefit
Maternity Benefit
Free Benefits Life Benefit
Second Medical Opinion Service
24-hour CIGNA HealthFirst Hotline
24-hour Worldwide Medical Assistance
CIGNA Complimentary Lifelong Preventive Program Annual influenza vaccination, health screening and other services to help you maintain good health
CIGNA Health & Wellness Program Enjoy an array of services that helps improve your health and quality of living at up to 40% discount. Services include Health Screening, Eye Care (LASIK), Vaccination, Weight Control and Smoke Cessation Programs.
For details, please call us at  (852) 8200 8017.

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1. The Maximum Limit per Policy Year is HK$ 2.5 million while the Lifetime Limit starting from age 75 will be HK$ 5 million.
2. Eligibility to this benefit is subject to the terms and conditions of the relevant policy provisions and the acceptance of the “Guarantee of Payment Letter” by the hospitals.
3. Lifetime renewal is applicable to Basic Plan – Hospital and Surgical Benefits.