CIGNA HealthFirst Medical Insurance Series

No Deposit at Hospital Admission & No Claim Form to Fill upon Discharge1 + Non-smoker Premium Discount + Complimentary Health Programs

At CIGNA, we are committed to taking care of your most valuable asset – your health! CIGNA as the global health service leader with over 200 years of expertise, we know what it takes to help you lead a healthy life.

CIGNA HealthFirst Medical Insurance Series sets off with prevention followed by a health and wellness program. With around HK$17/ day2, you and your family can enjoy not only a secure insurance coverage, but also a happy and healthy life.

10 great reasons to enroll CIGNA HealthFirst Medical Insurance Series:

Best-in-class Medical Protection and Services
1.No deposit at admission, no claim needed after discharge1 – with CIGNA Medical Card on hand, you don’t need to pay a deposit at time of admission nor fill out a claim form when you are discharged.
2.No individual premium loading – Upon successful enrollment, no premium loading applies with regards to any changes in your health condition or claim history.
3.Lifetime renewal3 – You are guaranteed lifetime renewal of your policy.
4.Second medical opinion service – Help you find the best medical treatment through a network of world-leading medical centers and experts.
5.24-hour CIGNA HealthFirst Hotline – You can gain quick access to qualified medical professionals for health-related enquiries.
6.Customer-oriented coverage - Surgical expenses benefits are paid based on “per surgery” rather than “per disability” offered by some other insurance plans in the market so as to give you a more comprehensive protection.
>> Case Illustration
Reward Pursue of Health
7.Non-smoker premium discount – 10% discount on the premium for non-smokers.
8.No claim discount at renewal – If there is no claim made after 3 consecutive years of policy inception, you can enjoy up to 8% discount at renewal.
>> Details
Policy years of no-claim record Discount at Renewal
2 consecutive years 5%
3 consecutive years 8%
5 or more consecutive years 15%
Prevention & Wellness
9.CIGNA Complimentary Lifelong Preventive Program – Free annual influenza vaccination, health screening and other preventive treatments.
>> Details
Health screening and other preventive treatments include:
  • Hair assessment (Hair condition & defects, risk of hair loss), AND
  • Basic checkup (diabetes, cholesterol, gout), OR
  • Female checkup (cervical cancer, breast cancer), OR
  • Children eye examination, OR
  • Infant general physical examination, OR
  • HealthFirst Elite policyholders are entitled to CIGNA Elite Check Up.
10.CIGNA Health & Wellness Program – Up to 40% discount on medical services including health screening, eye care, vaccination, weight control and smoke cessation programs.
>> Details

 

Plan Details

CIGNA HealthFirst Elite　－　Comprehensive coverage with optional Supplementary Major Medical Benefit up to HK$ 5 million4 allows you to choose your preferred treatment in times of rapid medical expense inflation.
CIGNA HealthFirst Choice　－　provides Private, Semi-private and Ward as options on inpatient coverage, so you can choose your preferred coverage to meet your needs.
CIGNA HealthFirst Core　－　provides basic hospitalization benefits and network outpatient coverage.
CIGNA HealthFirst TopUp　－　up to $1 million supplemental medical protection to provide a safety net in the event of unexpected medical expenses.

 

Check out which plan suits you most!
>> CIGNA HealthFirst Medical Insurance Series Comparison
For details, please call us at (852) 8200 8017.

 

  1. 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.
  2. Premium is calculated based on a family of 3 members (two non-smokers aged 35 plus a one-year-old child) with enrollment to HealthFirst Medical Choice (Ward) Plan.
  3. Lifetime renewal is applicable to Basic Plan – Hospital and Surgical Benefits
  4. The Maximum Limit per Policy Year is HK$ 2.5 million while the Lifetime Limit starting from age 75 will be HK$ 5 million.