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  • HomeMedical Insurance

    Cigna Civil Servants Medical Insurance Scheme

    Cigna Civil Servants Medical Insurance Scheme (VMIS)

    Exclusive Discount, for civil servants and non-civil servants employed by the Hong Kong Government

    Get in Touch

    Get in Touch

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    Cigna Leaf

    About the Plan

    In alignment with the Hong Kong Government’s Voluntary Medical Insurance Scheme (VMIS) for civil servants, non-civil service contract staff and their families, Cigna Healthcare offers three specially designed medical insurance plans. These plans cover general ward, semi-private, and private room options, with flexible deductible choices to provide comprehensive protection for you and your family at every stage of life.

    Applications successfully processed during the promotional period to enjoy a first-year premium discount.

    Application & Enquiry Hotline: +852 8107 0799

    Plan Benefits

    Plan Benefits

    Exclusive Medical Insurance Plans

    Cigna HealthFirst Elite 360 Medical Plan

    • Suitable For: Comprehensive and premium medical protection
    • Exclusive Discount: Up to 65% off the first-year premium1
    • Key Benefits:
    • ✓ 360 degree covers every stage of your health journey – from prevention, diagnosis, treatment, to recovery
    • ✓ Up to HK$50M Annual Benefit Limit
    • ✓ Offer semi-private rooms and standard private rooms
    • ✓ Extra recovery support for 3 Critical Illnesses (Cancer, Stroke and Heart Attack)
    • ✓ Flexible options to suit your needs (area of coverage, accommodation room type and annual deductible options)
    • ✓ Free personalized health assessment every two years
    • ✓ Optional benefits (Outpatient, Pharmacy2, Dental benefits)
    • ✓ Guaranteed renewable for your lifetime and unlimited lifetime claims
    Download BrochureContact Us Now

    Cigna VHIS Series

    • Suitable For: Long-term primary medical coverage and tax deduction benefits
    • Exclusive Discount: Up to 30% off the first-year premium1
    • Key Benefits:
    • ✓ Tax deduction
    • ✓ Up to HK$30M Annual Benefit Limit4
    • ✓ Offer ward or semi-private room
    • ✓ Covering unknown pre-existing conditions
    • ✓ Covering various cancer treatments
    • ✓ Guaranteed renewal up to age of 100, with unlimited lifetime benefit limit
    • ✓ Five deductible options
    Download BrochureContact Us Now

    Cigna HealthFirst Choice Medical Plan

    • Suitable For: Individuals with a limited budget
    • Exclusive Discount: Up to 45% off the first-year premium1
    • Key Benefits:
    • ✓ Affordable premiums with comprehensive medical protection
    • ✓ Covers pre-admission and post-hospitalization treatment, cancer treatment, dialysis and more
    • ✓ Up to 15% premium discount at renewal for no claim record
    • ✓ An array of optional benefits to suit your needs (Supplementary Major Medical, Outpatient, Dental)
    • ✓ Free annual health check-ups
    Download BrochureContact Us Now

    Diverse Value-Added Health Service

    Cashless Medical Service5

    Apply prior to your hospital admission and upon approval, we will pay the pre-approved amount to the medical service provider directly on your behalf. This allows you to focus on treatment and recovery without worrying about unexpected medical expenses.

    Dedicated Care Manager Service in Hong Kong

    Supported by a team of registered nurses with clinical experience, offering personalized one-to-one healthcare concierge services to ensure you receive the most suitable care.

    Worldwide Emergency Assistance Services6

    If you are a frequent traveller, we can provide you with free of charge worldwide emergency travel and medical services while you are on the road.

    One-Stop Virtual Consultations and Medication

    Receive virtual medical consultations on the app to easily obtain medical advice from a range of general practitioners and specialists without needing to leave your home. Medication delivery to your door and referral services for a stress-free recovery.

    Customer Stories View our latest Care Manager customer stories to learn more about how our team provide one-to-one healthcare concierge services to ensure you receive the most suitable care.

    Learn More


    Customer Story 1

    Severe Accident During Travelling Overseas

    Care Manager provides emergency support and medical arrangements for Amber after she experienced a serious accident while overseas.

    Customer Story 2

    Accountant Diagnosed With Stomach Cancer

    Care Manager advised Calvin to apply for the "Day Procedure Centre Cashless Service" and to follow up on cancer treatment and recovery arrangements.

    Making a Claim is Simple!

    Submit claim details on the MyCigna app.

    Upload photos of any supporting documents.

    After the claim has been processed, we will reimburse you directly to your bank account.

    Contact Us and Apply Now!

    Call us to learn more about our medical insurance plans and get a quote.

    Application & Enquiry Hotline:

    +852 8107 0799

    Why Choose Cigna?

    Cigna Healthcare is a health benefits provider under the Cigna Group, is committed to helping customers improve their health and vitality.

    Offer services in over 30+ countries and jurisdictions

    73,000+ employees worldwide

    182 million+ customer relations around the world

    Ranked 16th on the 2024 Fortune 500 list

    Remarks: The above data is for informational purposes only and may not relate to a particular subsidiary of The Cigna Group. The information provided is as of Mar 2025 and is subject to change.

    FAQ
    What is VMIS?

    The Voluntary Medical Insurance Scheme (VMIS) is a government-initiated program in Hong Kong designed for civil servants and non-civil service contract staff, as well as their families. It offers voluntary medical insurance coverage to supplement public healthcare benefits. The scheme was launched by the Standing Committee on Medical and Dental Services for Civil Servants in 1996 and extended to non-civil service contract staff in 2002. All participants and their eligible dependents are required to pay the full premium.7

    What is the difference between VMIS and VHIS?
    • VMIS is a voluntary medical insurance platform specifically for civil servants and their families.
    • VHIS is a government policy offering individual hospitalization insurance to all Hong Kong residents.
    • Some VMIS insurance products are certified under VHIS and therefore eligible for tax deductions3.
    Who is eligible to join VMIS?
    • Eligible civil servants
    • Non-civil service contract staff employed by the government
    • Their spouses and children
    Why do civil servants still need to purchase VMIS?

    Although civil servants enjoy free public healthcare services, there are limitations such as:

    • Long waiting times (e.g., specialist outpatient appointments may take over a year)
    • Coverage may end upon retirement
    • Certain medications or equipment may require out-of-pocket payment VMIS serves as a supplementary protection, offering greater flexibility especially when choosing private hospitals.
    Is VMIS eligible for tax deduction? Only VMIS products that are certified under the Voluntary Health Insurance Scheme (VHIS) are eligible for tax deductions3. Each insured person can claim up to HKD 8,000 per year. What is the Voluntary Health Insurance Scheme (VHIS)? VHIS is a policy launched by the Hong Kong government to regulate individual hospitalization insurance products, improve protection standards, and encourage the use of private healthcare services. Participation by insurance companies and consumers is entirely voluntary.8 What types of VHIS products are available? VHIS-certified products are divided into two categories:
    • Standard Plan: Offers basic protection with standardized policy terms.
    • Flexi Plan: Builds on the Standard Plan with additional benefits and higher coverage limits.
    What are the benefits of VHIS?
    • Tax deduction: Up to HKD 8,000 per insured person per year
    • Transparent coverage: Clear information on premiums and benefits
    • Guaranteed renewal up to age 100, regardless of changes in health condition
    • Coverage for unknown pre-existing conditions
    How to apply for Cashless Medical Service?

    To apply the service, a Pre-approval Form for Cashless Medical Service must be submitted to us for approval prior the Hospitalization, Day-Case Surgery and Advanced Diagnostics Imaging (ADI) Services.

    Will all medical expenses be fully covered by Cigna Healthcare? Or no extra out-of-pocket expenses is required to be paid?

    Cashless Medical Service is applicable to designated Cigna medical plans, and the covered medical expenses are subject to the terms & conditions and benefit coverage of your policy. If you fail to meet the requirements for the Cashless Medical Service, you may need to pay for the consultation and/or medical expenses upfront, then submit a claim to Cigna Healthcare for reimbursement, which shall be subject to the terms & conditions and benefit coverage of your policy. The Policy Holder is responsible for settling any amount if there is any remaining deductible in any Policy Year (if applicable). If the medical expense exceeds the payable amount under the eligible benefit of the policy, or is otherwise not eligible for reimbursement under the policy, the Policy Holder is required to settle the remaining amount.

    What is Cigna Care Manager?

    Cigna Care Manager (“Care Manager”) provides comprehensive healthcare support to both individual customers and group policy members, providing peace of mind in any circumstances. Our Care Managers, a team of registered nurses with clinical experience, offering medical treatment advice and support throughout your health journey all at no extra cost.

    Our services include:

    • Complimentary 1-to-1 Healthcare Concierge
    • End-to-End Health Journey Support
    • Personalized Treatment and Recovery Plans
    • A Variety of Value-Added Service
    • For details, please read: Care Manager Service - Cigna Healthcare

    Remarks:

    This webpage does not represent the full terms of the policy. For details of the features, contents, terms, conditions and exclusions of the Cigna products, please refer to the relevant product brochure(s) and the policy provision(s).

    These products are intended for sale in Hong Kong only. The above information should not be regarded as any form of offer or recommendation to purchase insurance. Please read and understand the product details before making a purchase

    1. The above promotions are subject to terms and conditions.
    2. Lifetime limit of HK$500,000 applies to the Optional Pharmacy Benefits.
    3. Tax deduction is subject to the latest rules and regulation of Inland Revenue Department of Hong Kong Special Administrative Region. For details of tax deduction, please visit the websites of the Inland Revenue Department of Hong Kong Special Administrative Region (www.ird.gov.hk/eng/) and VHIS (www.vhis.gov.hk/en/) or consult with a professional tax advisor.
    4. Applies only to the Cigna VHIS Series – Flexi Plan (Superior).
    5. The Cashless Medical Service is a value-added service and subject to terms and conditions.
    6. This service is a value-added service provided by an independent third-party service provider and does not form part of the contractual benefit under your policy. Cigna Healthcare reserves the right to amend or cancel the service at any time without prior notice at its absolute discretion. Cigna Healthcare is not the service provider for this service. The relevant service provider is not our agent, and vice versa. We make no representation, warranty or undertaking as to the quality and availability of the service, and do not accept any responsibility or liability for the service provided by the service provider. Under no circumstances will Cigna Healthcare be responsible or liable for acts or omissions of the service provider in the provision of the service.
    7. Source: Civil Service Bureau, Civil Service Medical and Dental Benefits
    8. Source: VHIS Website

    Cigna Worldwide General Insurance Company Limited has been authorized and regulated by the Insurance Authority to carry out general insurance business in or from the Hong Kong SAR. Cigna Worldwide General Insurance Company Limited ("Cigna Healthcare"), © 2025 Cigna Healthcare. All rights reserved

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