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Broker portalCigna Plus Medical Plan
Hassle-free surgical insurance plan to keep you covered at all times
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Cigna Plus Medical Plan provides annual medical coverage of up to HK$1 million for as low as a few dollars a day.
Premium as low as few dollars per day for up to HK$1 million annual medical coverage for hospital and surgical expenses
Supplement your existing individual or group medical plan with a wide range of deductible options
Guaranteed lifetime renewal regardless of health records and worldwide insurance coverage
Simplified application process with no waiting period
Up to HK$1 million coverage for:
Ranges from HK$30,000 – $200,000 per policy year to suit your specific needs.
From 15 days to 75 years.
For details of the coverage, please click here.
Name: | Cathy |
Age: | 39 (Non-Smoker) |
Background: | Top Up for Peace of Mind |
Remark:
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.
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:
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.
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.
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.
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.
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.
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.
For details, you may visit here.
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).
IMPORTANT INFORMATION
The above insurance plan is underwritten by Cigna Worldwide General Insurance Company Limited.
Phone
(852) 2539 9222Fax
(852) 2886 3722Address
16/F, 348 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong
Hotline & Service Counter :
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