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Cigna Cathay Premier Health Plan
Cigna Cathay Premier Health Plan
By enrolling on or before 30 June 2026 and joining the newly upgraded elevated wellness journey1 2, a family of four may enjoy total rewards over the first three policy years of up to 5.5 months’ premium discounts4, up to 
92,000 miles3 4, and up to HKD2,000 flight discount5, subject to the relevant terms and conditions.
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Coverage Summary
Unlimited lifetime benefit
Coverage for various medical expenses with an annual benefit limit of up to HKD30 million and no lifetime benefit limit.
Guaranteed renewable
Issue age from 15 days old to 80 years old, with the policy guaranteed renewable up to age 100 of the Insured Person.
Global medical support
Access to a global network of over 2 million medical providers to provide necessary medical support in accordance with the applicable network list and service arrangements.
Cashless medical services
With pre-approval, you will not need to pay a deposit to designated medical providers or submit a claim for eligible medical expenses after discharge7, whether you are in Hong Kong or overseas.
Phase 3 Clinical Trial Drugs benefit for Designated Cancers
<Newly enhanced> Up to HKD600,000 per policy year for Phase 3 clinical trial drugs for designated stage III and IV cancers.
Wider Mainland China hospital coverage
<Newly enhanced> Now covers all Tier 3 hospitals, in Mainland China, plus hospitals on the designated list.
The above is a high‑level summary of key coverage features only and is subject to the terms and conditions, benefit limits, area of cover and exclusions stated in the policy provisions and product brochure.
Limited-time Offer
72,0004
20,000 from Cathay Shop or Card Linked Earn6All offers set out in this section are limited‑time promotions and are subject to the respective promotion terms and conditions, which may be amended from time to time.
Composition of limited-time offer
Enrol in Cigna Cathay Premier Health Plan to enjoy bonus miles and other welcome offers. The following examples are for illustrative purposes only and the actual rewards may vary. For details, please refer to the latest promotion terms and conditions:
Example 1: For a family of four, enjoy up to 92,000, and up to HKD2,000 flight discount.
| First year limited-time mileage offer* | First year welcome offer* | First year to onboard elevated wellness journey^ | Policy renewal rewards* | Spending at Cathay Shop or via Card Linked Earn | Flight discount | |
|---|---|---|---|---|---|---|
| Dad (Policy Holder), 37-year-old | 8,000 x 4 |
5,000 x 4 |
5,000 |
2,500 x4 |
10,000 |
HKD1,000 |
| Mum, 37-year-old | - | - | 5,000 |
10,000 |
HKD1,000 | |
| First child, 13-year-old | - | - | - | - | ||
| Second child, 12-year-old | - | - | - | - | ||
| Total | 72,000 |
20,000 |
HKD2,000 | |||
Example 2: For a Policy Holder aged 18 or above, enjoy up to 30,500, and up to HKD1,000 flight discount.
| First year limited-time mileage offer* | First year welcome offer* | First year to onboard elevated wellness journey^ | Policy renewal rewards* | Spending at Cathay Shop or via Card Linked Earn | Flight discount | |
|---|---|---|---|---|---|---|
| Policy Holder, aged 18 or above | 8,000 |
5,000 |
5,000 |
2,500 |
10,000 |
HKD1,000 |
| Total | 20,500 |
10,000 |
HKD1,000 | |||
Eligible premium discount
The above premium discounts are applicable to eligible policies only and subject to relevant promotion terms and conditions.
| First policy year | Second policy year | Third policy year | |
|---|---|---|---|
| Single Policy | Not applicable | 9% off | 7% off |
| Enrol with 1 family member | 10% off | ||
| Enrol with 2 family members | 20% off | ||
| Enrol with 3 family members | 30% off |
*Miles amount depending on number of policies purchased
^Person insured is required to join and complete a goal in elevated wellness journey within 28 days of policy inception date
Benefit Details
| Plan 1 | Plan 2 | Plan 3 | |
|---|---|---|---|
| Options for area of cover | Asia / Worldwide excluding the US / Worldwide | ||
| Room type (Hong Kong/Macau) | Standard Ward | Semi-Private Room | Standard Private Room |
| Room type (Outside Hong Kong / Macau) | Standard Private Room | ||
| Deductible | HKD0 / HKD15,000 / HKD30,000 | HKD0 / HKD15,000 / HKD30,000 / HKD60,000 | HKD0 / HKD15,000 / HKD30,000 / HKD60,000 |
| Annual benefit limit (Applies to basic benefits) | HKD10 million | HKD20 million | HKD30 million |
| Lifetime benefit limit (Applies to basic benefits) | Unlimited | ||
| Key inpatient benefits | Fully cover7 | ||
| Lifetime Benefit Limit | No lifetime benefit limit | No lifetime benefit limit | No lifetime benefit limit | No lifetime benefit limit |
| Hospitalization Benefits | No dollar limit | No dollar limit | Enhanced cover | Standard VHIS Cover |
| Surgical Benefits | No dollar limit | No dollar limit | Enhanced cover | Standard VHIS cover |
| Prescribed Diagnostic Imaging Tests | No dollar limit | No dollar limit | Enhanced cover | Standard VHIS cover |
| Prescribed Non-surgical Cancer Treatments | No dollar limit | No dollar limit | Enhanced cover | Standard VHIS cover |
| Psychiatric Treatments | No dollar limit | No dollar limit | Enhanced cover | Standard VHIS Cover |
| Companion Bed | No dollar limit | No dollar limit | $450 per day Maximum 270 days per policy year | |
| Accidental Emergency Outpatient Treatment | No dollar limit (Within 24 hours after the accident) |
No dollar limit (Within 24 hours after the accident) |
$6,600 per Policy Year (Within 24 hours after the accident) |
|
| Accidental Emergency Dental treatment | No dollar limit (Within 2 weeks after the accident) |
No dollar limit (Within 2 weeks after the accident) |
$6,600 per Policy Year (Within 2 weeks after the accident) |
|
| Enhanced Benefit: Outpatient Kidney Dialysis | No dollar limit | No dollar limit | $30,000 per Policy Year | |
| Enhanced Benefit: Home nursing for Confinement | $1,000 per day Maximum 90 days per Policy Year | $800 per day Maximum 90 days per Policy Year | $700 per day Maximum 15 days per Policy Year | |
| Annual Deductible options | $0 | $15,000 | $25,000 $50,000| $75,000 |
$0 | $15,000 | $25,000 | ||
| Entry Age | 15 days to Age 80 | 15 days to Age 80 | 15 days to Age 80 | 15 days to Age 80 |
| Premium payment frequency | Annual / Monthly | Annual / Monthly | Annual / Monthly | Annual / Monthly |
| Policy currency | HKD | HKD | HKD | HKD |
The product information does not contain the full terms of the policy and the full terms can be found in the policy document.
Case Study
The following example is hypothetical and for illustrative purpose only. This case illustration is based on the assumption that no claims have been made under this plan prior to the incident described. The values presented may change over time, and no separate announcement will be made regarding such changes.Example 1Real Customer Story: Who Can Offer Help If You Are Diagnosed with Cancer? (Full Version)
| Calvin, enrolled in Cigna Cathay Premier Health Plan at 37 years old | Plan level: Worldwide excluding the US, Semi-Private and HKD15,000 deductible plan 1st year premium: HKD14,769 (non-smoker) 1st year basic miles rewards: up to 11,085, excluding limited time offer. Limited time offer varies from time to time. Please refer to the product offer page for up-to-date details. |
At age 40, Calvin, who works at an accounting firm, had developed irregular eating habits and disrupted daily routines due to his busy work schedule, frequently suffering from gastrointestinal issues. After seeking medical advice, his family doctor recommended him to admit to the hospital for gastroscopy and colonoscopy. He had busy schedule and concerned about the need for hospitalization and the associated costs.
Calvin reached out to Cigna Healthcare for advice. Cigna Care Manager8 promptly provided him with the following appropriate assistance9:
- Arranged consultations with network doctor for second medical opinion
- Arranged Calvin to undergo gastroscopy and colonoscopy at the Day Procedure Centre
- Applied for the 'Day Procedure Centre Cashless Service10 allowing Calvin to avoid hospitalization, as well as the hassle of complex procedures and handling out-of-pocket expenses
After the examination, Calvin was diagnosed with stomach cancer. Cigna Care Manager8 has continuously followed up on his treatment progress and provided the following support:
- Referred to network Specialists in General Surgery and Oncology and follow up on treatment and recovery
- Arranged for a nutritionist during treatment
- Introduced Calvin to participate in support group for patients and offer emotional support
Gastrectomy & hospitalization – Semi-Private Rom in Hong Kong
Total: HKD230,000
| Check-up expense | 1 time | HKD50,000 |
| Gastrectomy | 1 time | HKD160,000 |
| Hospitalization cost (HKD2,000 per day) | 10 days | HKD20,000 |
Total medical expenses: HKD230,000
Medical expense paid by Calvin: HKD 15,000
After the HKD15,000 deductible, the plan has fully reimbursed the remaining treatment expenses for HKD215,000 to Calvin.
Real Customer Story: Seeking Emergency and Medical Support While Travelling Overseas? (Full Version)
| Amber, enrolled in Cigna Cathay Premier Health Plan at 35 years old | Plan level: Worldwide excluding US, Semi-Private, HKD15,000 deductible plan 1st year premium: HKD14,035 (non-smoker) 1st year basic miles rewards: up to 11,085, excluding limited time offer.Limited time offer varies from time to time. Please refer to the product offer page for up-to-date details. |
Car accident overseas and treatment
At age 37, Amber was on vacation in Bali, with her friend when she was involved in a serious car accident. The incident resulted in a ruptured spleen, multiple fractures, and pneumothorax, necessitating emergency surgery at a local hospital. Amber’s husband, Raymond, rushed to Bali and immediately contacted Cigna Healthcare for assistance.
Care Manager8 responded quickly by:
| Emergency medical treatment in Bali |
|
| Arrangement for returning to Hong Kong |
|
| Continuous medical support in Hong Kong |
|
Inpatient expense/claim paid in Bali
Total: HKD169,000
| Room and board (HKD538/day) | 13 days | HKD7,000 |
| Operating Theatre Charges | 1 time | HKD6,000 |
| Surgeon’s Fee | 1 time | HKD26,000 |
| Anaesthetist’s Fee | 1 time | HKD9,000 |
| Attending Doctor’s visit Fee (HKD692/day) | 13 days | HKD9,000 |
| Miscellaneous Charges | 1 time | HKD101,000 |
|
Prescribed Diagnostic Imaging Test (whether included in hospital expense subject to policy) |
1 time | HKD11,000 |
Partial expense coverage under Worldwide Emergency Assistance Services, excluding repatriation costs
Total: HKD55,712
| Hotel accommodation | 1 day | HKD800 |
| Professional fees for medical escort doctor | 1 time | HKD54,912 |
In-patient expense/claim paid for the admission right after repatriation to Hong Kong
Total: HKD177,000
| Room and board (HKD2,714/day) | 7 days | HKD19,000 |
| Operating Theatre Charges | 1 time | HKD7,000 |
| Surgeon’s Fee | 1 time | HKD33,000 |
| Anaesthetist’s Fee | 1 time | HKD10,000 |
| Attending Doctor’s visit Fee (HKD 5,000/day) | 7 days | HKD35,000 |
| Miscellaneous Charges | 1 time | HKD63,000 |
|
Prescribed Diagnostic Imaging Test (whether included in hospital expense subject to policy) |
1 time | HKD10,000 |
Total Medical Expenses: HKD401,712
Medical expense paid by Amber: HKD 15,000
After the HKD15,000 deductible, the plan has fully reimbursed the remaining treatment expenses for HKD386,712 to Amber
FAQ
The following answers are for general reference only. For full details of coverage, exclusions and conditions, please refer to the policy provisions and relevant promotion terms and conditions.What is the key difference between Cigna Cathay Premier Health Plan and VHIS plans?
Can I add the Optional Area of Cover Upgrade Guarantee after the policy is issued?
Does Cigna Cathay Premier Health Plan cover outpatient medical expenses?
Is there any waiting period for specific benefit items?
Yes. Coverage for Pregnancy complications and Pregnancy, Prenatal and Postpartum Support will take effect after 1 year of the following dates:
- The Policy Issuance Date or the Policy Effective Date (whichever is later),
- The effective date of any reinstatement (if your policy and/or the respective benefits of your policy has been subsequently reinstated), and
- The issue date or the effective date of any increase in benefit (whichever is later).
Is there any referral program for Cigna Cathay Premier Health Plan?
Remarks:
1 For details of the newly upgraded elevated wellness journey, please refer to this webpage
2 An elevated wellness journey member must be an individual aged 18 or above
3 Person insured is required to join and complete a goal in elevated wellness journey within 28 days of policy inception date ("Required Goal"). For family policies, either the Policy Holder of any person insured(s) aged 18 or above on the policy inception date, must complete the required goal
4 Reward is calculated based on a family of 4, including 2 adults and 2 children
5 Reward is calculated based on a family of 4. It is exclusively available to new members of the elevated wellness journey, subject to the eligibility criteria set out in Clause 3. The flight discount consists of two 5% off promo codes, with each booking eligible for a discount of up to HKD500
6 Reward is calculated based on a family of 4, subject to the eligibility criteria set out in Clause 3. Eligible purchases made on Cathay Shop or via Card Linked Earn are entitled to 2X miles rewards, subject to a maximum of 10,000 miles
7 Subject to providing proof that a specified event has or is expected to occur
8 Please refer to the product brochure for detailed benefit limits
9 Cigna Care Manager Service is a value-added service and subject to terms and conditions. Medical support service and value-added services arranged by Care Manager are subject to individual cases
10 Value-added services are subject to individual cases
11 With pre-approval, you won’t need to pay a deposit to your medical providers or make a claim on medical expenses after discharge, whether you’re in Hong Kong or overseas. It is subject to prior approval, annual benefit limit, designated room type and area of cover
The above information is provided by Cigna Worldwide General Insurance Company Limited (“Cigna Healthcare”) and is for reference only. Any promotion, including discounts and miles rewards, is subject to the relevant terms and conditions.
This insurance plan is underwritten by Cigna Healthcare and is subject to the relevant policy terms and conditions. The product information on this webpage does not represent the full scope of coverage or features of the insurance plan. For details of product features, coverage, terms and conditions and exclusions, please refer to the product brochure and policy provisions.
This insurance plan is intended for sale in Hong Kong only. The above information should not be regarded as any form of offer, solicitation, recommendation or advice to purchase any insurance product. Before making any purchase decision, you should read and understand the product details and make your decision based on your personal needs and circumstances.
Cathay Pacific Airways Limited is an insurance agency (License No.: FA3522) authorised by Cigna Healthcare for the distribution of this general insurance product in the Hong Kong SAR.
Terms & Conditions
- Health insurance welcome offer terms and conditions apply.
- Elevated wellness journey terms and conditions apply.
- Elevated wellness journey welcome offer terms and conditions apply.
- Bonus miles and premium discount promotion terms and conditions apply.
- Renewal offer terms and conditions apply.
- Referral reward programme terms and conditions apply.
- Elevated wellness journey plus welcome offer terms and conditions apply.
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