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  • HomeMedical Insurance

    Cigna Plus Medical Plan

    Cigna Plus Medical Plan

    Hassle-free surgical insurance plan to keep you covered at all times

    Get in Touch

    Get in Touch

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    Cigna Leaf

    About the Plan

    Cigna Plus Medical Plan provides annual medical coverage of up to HK$1 million for as low as a few dollars a day.

    Plan Benefits

    Low Premium

    Premium as low as few dollars per day for up to HK$1 million annual medical coverage for hospital and surgical expenses

    Wide range of deductible options

    Supplement your existing individual or group medical plan with a wide range of deductible options

    Lifetime renewal

    Guaranteed lifetime renewal regardless of health records and worldwide insurance coverage

    Simplify application

    Simplified application process with no waiting period

    Coverage Detail
    Plan Type, Policy Term and Premium Structure of Basic Plan

    • This product is a standalone individual policy which aims to provide hospitalization benefits. It is an indemnity insurance policy without cash value.
    • 1 year and Annually Renewable.
    • The plan provides a protection period of 1 year and renewable until age 100 of person insured, with payment period until the end of protection period. Premium Rate will increase with Age, and yearly adjustable.
    Hospitalization And Surgical Benefits

    Up to HK$1 million coverage for:

    • Room & board of up to 270 days per year.
    • Surgical, anaesthetist's and operation theatre expenses1.
    • Pre-admission and post-hospitalization treatment2, and MRI, CT Scan and PET Scan services at clinics.
    • Worldwide coverage.

    Deductible Options

    Ranges from HK$30,000 – $200,000 per policy year to suit your specific needs.

    Issue Age

    From 15 days to 75 years.

    Coverage Amount

    For details of the coverage, please click here.

    Remarks:

    1. Anaesthetist’s Expenses and Operation Theatre Expenses are subject to 35% of Surgical Expenses payable.
    2. Pre-admission and post-hospitalization Outpatient Expenses is subject to a maximum limit of HK$10,000 per policy year.

    Case Illustration
    Name: Cathy
    Age: 39 (Non-Smoker)
    Background: Top Up for Peace of Mind
    View more

    Remark:

    1. Since Cathy has reimbursed HK$42,000 from her group medical policy, the remaining deductible amount will be HK$8,000 (HK$50,000 minus HK$42,000). When calculating the deductible amount among each benefit item, Cigna will proportionally split HK$8,000 for each benefit item in the calculation. E.g. For Room and Board Benefit, the deductible is calculated as follows: HK$8,000 x (Actual Room and Board expenses incurred – Room and Board expenses covered by group medical policy) / (Total actual medical expenses incurred – Total expenses covered by group medical policy) = HK$8,000 x (HK$10,000 – HK$3,000) / (HK$600,000 – HK$42,000) = HK$8,000 x (HK$7,000 / HK$558,000) = HK$100
    2. The reimbursement amount of Anesthetist and Operation Theatre benefits is 90% of the claim after deductible, but the maximum amount is subject to 35% of Surgical Expenses
    Benefit Items Actual medical expenses incurred Expenses covered by group medical policy Calculation of deductible1 Deductible Calculation illustration of expenses covered by Plus Medical Plan Expense covered by Plus Medical Plan
    Room and Board 10,000 3,000 8,000x(7,000/558,000) 100 (10,000-3,100)x90% 6,210
    Surgical 300,000 25,000 8,000x(275,000/558,000) 3,943 (300,000-28,943)x90% 243,951
    Anesthetist 90,000 3,000 8,000x(87,000/558,000) 1,247 (1)(90,000-4,247)x90%=77,178 (2)(243,951x35%)=85,382 77,178
    Operation Theatre 100,000 3,000 8,000x(97,000/558,000) 1,391 (1)(100,000-4,391)x90%=86,048 (2)(243,951x35%)=85,382 85,3822
    Other Medical Expenses 90,000 4,000 8,000x(86,000/558,000) 1,233 (90,000-5,233)x90% 76,290
    Post-Hospitalization Outpatient Expenses 10,000 4,000 8,000x(6,000/558,000) 86 (10,000-4,086)x90% 5,323
    Total 600,000 42,000   8,000   494,334

    Cathy was covered by her employer’s group medical scheme. Nevertheless, she felt the coverage was insufficient, so she purchased the Cigna Plus Medical Plan to help her cope with the significant expenses of treating a major illness. She enrolls in Cigna Plus Medical Plan Medical Plan Ward Level with annual deductible option of HK$50,000

    Cathy suffered from a Benign Tumor and needed craniotomy surgery and brain tumor excision. She was worried about the high risk and complicated nature of the surgery, as well as the expensive medical bills, which totaled HK$600,000.

    Cathy’s group medical policy entitles her to only HK$42,000 for her medical expenses. Luckily, Cathy enrolled in Ward Level of the Plus Medical Plan (with the HK$50,000 annual deductible option), which helped to relieve her financial burdens arising from her expensive surgery.

    Frequently Asked QuestionsAbout Cigna Plus Medical Plan
    Application

    How to enroll in Cigna Plus Medical Plan (“Plus”) ?

    You may submit your application through our website, or by calling Cigna Healthcare on (852) 8200 8376, or contact your insurance brokers for details.

    If you are an existing Cigna Healthcare policyholder, you may apply through the MyCigna HK app or our online customer portal.

    What do I need to be able to buy online now?

    Before you start your online purchase, please make sure you have below information ready:

    1. Your HKID no.
    2. The ID (HKID or otherwise) of any family members you wish to cover
    3. Your basic contact information
    4. The height, weight, and medical history details of you or any family members you wish to cover
    5. Your credit card information

    You may also wish to review the details of any existing medical insurance (e.g. employee medical coverage) so you can choose a level of cover that is suitable to “top up” your existing plan.

    How can I pay?

    You can pay online with your credit card. We accept VISA and Mastercard. If you wish to pay using a different method, please call our hotline on (852) 8200 8376.

    What can I do if I encounter problems on the online application?

    Just sit back and relax. If you have entered your contact number in the application process, our Cigna Healthcare representatives will contact you. You may also call (852) 8100 3705 for enquiry.

    If I am already covered by another Cigna Healthcare policy, could I be still enrolled in Plus?

    If you already have a Plus policy or a Cigna HealthFirst TopUp Medical Plan, there is no need to apply again. However, you may call (852) 8100 3705 to discuss whether we can help by adjusting the coverage on your existing policy to better suit your needs.

    If you are already covered under a different Cigna Healthcare plan, you may enroll in Plus in order to “top up” your existing coverage.

    Coverage

    What’s the area of coverage for Plus?

    The coverage is worldwide, but the coverage is more comprehensive inside Hong Kong. Subject to the annual limit of HK$1 million and your choice of annual deductible, you are covered for 90% of your eligible hospital and surgical expenses according to the defined benefits for treatment in Hong Kong. For treatments outside Hong Kong, you are covered for 50% of your hospital and surgical expenses.

    What is the maximum limit for benefits of Plus?

    The maximum annual limit for benefit of Plus is HK$1 million.

    Deductibles

    What is a deductible?

    We will start paying for the covered medical expenses once the deductible amount has been reached. The deductible will be covered either by you or your other insurance plan(s). Generally under the same plan level, the higher the deductible you choose, the lower the premium you pay.

    Premium Adjustment

    Would premium be adjusted upon renewal?

    Cigna Healthcare reserves the right to revise the premium of the policy on the anniversary date or upon renewal. Factors leading to premium adjustment may include but are not limited to our overall experience in claims and expenses incurred by and /or in relation to this product. However, we will not adjust your premium based on your own health status or personal claims record.

    Renewal

    Would I be rejected for renewal for the change of my health conditions?

    Once your policy is issued, regardless of your health conditions or claims record, the policy is guaranteed renewable every year as long as the plan is still available.

    We will not increase your premium due to your claims history or due to changes in your health or occupation.

    Claims

    How to submit a claim?

    Please login to our customer portal at https://mycigna.com.hk or download our MyCigna HK application from the App Store or Google Play store.

    When submitting a claim through MyCigna HK, please have the below documents ready.

    1. Hospitalization / Medical Expenses Claim
    2. Accident or Medical Expenses Doctor Form completed by your attending doctor
    3. Medical Receipt(s)
    4. Hospital statement of charges / invoice / bill with breakdown of charges
    5. Hospital Discharge Summary or any document(s) issued by doctor/hospital with diagnosis proof
    6. Identity card copy of the Policy Holder
    7. If you have submitted a claim to other insurer(s), please provide a copy of the relevant Compensation Breakdown

    For details, you may visit here.

    Enquiry and Others

    Any contact points for enquiry?

    For general enquiries, you may contact Cigna Healthcare Customer Service Hotline: (852) 2560 1990 during office hours Mon – Fri, 0900 - 1900, except Public Holidays).

    Cigna Leaf

    Terms & Conditions

    IMPORTANT INFORMATION

    1. Hospital and Surgical benefits equal to 90% of your medical expenses after the deductible of your choice.
    2. If you also have a Cigna HealthFirst Choice policy, its benefits can help you cover the deductible.
    3. For worldwide coverage, the plan pays 50% Hospital and Surgical Benefits after deductible if the hospital confinement is outside Hong Kong.
    4. Your are guaranteed lifetime renewal of your policy subject to the continuing issuance of HealthFirst Plus medical plan and the payment of the premium.
    5. Cigna Healthcare reserves the right to revise policy premiums, terms and conditions, and /or the coverage amount upon each renewal.The above information is for reference only and does not constitute any contract or any part thereof between Cigna Healthcare and any other parties. Please refer to the policy provisions for details. Cigna Healthcare will be happy to provide a specimen of policy upon your request.

    The above insurance plan is underwritten by Cigna Worldwide General Insurance Company Limited.

    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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