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Broker portalCigna Civil Servants Medical Insurance Scheme
Exclusive Discount, for civil servants and non-civil servants employed by the Hong Kong Government
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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
Cigna HealthFirst Elite 360 Medical Plan
Cigna VHIS Series
Cigna HealthFirst Choice Medical Plan
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.
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.
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.
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.
Severe Accident During Travelling Overseas
Care Manager provides emergency support and medical arrangements for Amber after she experienced a serious accident while overseas.
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.
Call us to learn more about our medical insurance plans and get a quote.
Application & Enquiry Hotline:
Offer services in over 30+ countries and jurisdictions
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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.
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
Although civil servants enjoy free public healthcare services, there are limitations such as:
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.
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.
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:
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
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(852) 2539 9222Fax
(852) 2886 3722Address
16/F, 348 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong
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Mon-Fri 9:00am -5:30pm, Closed Public Holidays
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