Cigna continues to provide special coverage measures for COVID-191
As a global health service company, Cigna's mission is to improve the health, well-being, and peace of mind of those we serve by making health care simple, affordable, and predictable.
To provide extra peace of mind to our customers during the COVID-19 pandemic, we are extending a number of special supportive measures to enhance the benefits available to our customers until 31 December 2021 (special protection period).
1. Coverage for COVID-19 Vaccination (including side-effects)*
Under our individual medical insurance products, Cigna covers treatment expenses resulting from any adverse events caused by COVID-19 vaccinations to our members, both local and global. Such expenses will be claimable up to the limits of the coverage available under relevant plans. COVID-19 vaccination expenses can also be claimed under the vaccination benefit of the optional outpatient module, if applicable to your plan.
For members of Cigna Local Employee Benefits Group Schemes and Cigna Global Employer Health Plan, Cigna covers the treatment of any side-effects caused by COVID-19 vaccinations, so long as this treatment is medically necessary.
For members of Cigna Local Employee Benefits Group Schemes, COVID-19 vaccination expenses will also be covered. It will be claimable up to the limits of the coverage available under relevant plans (if applicable). Please refer to the member leaflet for details. For members of Cigna Global Employer Health Plan, COVID-19 vaccination will be covered under the “Vaccination” or “Well Child Test” outpatient benefit.
2. Coverage of COVID-19 treatment costs
Any hospitalization or outpatient expenses resulting from confirmed or suspected cases of COVID-19 will be claimable under the coverage available under Cigna’s health insurance plans. We are also waiving cost-sharing for the COVID-19 diagnostic test when recommended by a health care professional. Please refer to your policy for full details of the coverage you are entitled to.
3. Benefit for compulsory quarantine2 due to COVID-19 infection
Cigna HealthFirst Elite Medical Plan already provides best-in-market coverage including Hospital Cash and a pioneering Compulsory Quarantine Cash3 benefit of HK$2,000 per day to any insured person quarantined due to notifiable diseases. This would extend to compulsory quarantine ordered by a physician due to confirmed or suspected infection with COVID-19, whether the compulsory quarantine takes place in an isolated hospital ward, a government-appointed quarantine site, or at home. This benefit is paid daily for up to 14 days.
For policyholders of our other medical insurance plans (including Cigna VHIS Series and Cigna HealthFirst Medical Plan Series4) and members of our Local Employee Benefits Group Schemes5, we are making available an extra one-off payment of HK$2,000 cash for compulsory quarantine due to confirmed or suspected COVID-19 infection which will apply during this special protection period.
4. No penalty for ward upgrade in case of COVID-19 hospitalization
In case of hospitalization related to COVID-19, we understand that additional measures may be taken to prevent the spread of infection, including confinement in an isolation ward. Any applicable adjustment factor will be waived during this special protection period for such cases where confinement takes place in a higher class of hospital ward than is covered by the relevant plan (such as confinement in a Standard Private Room of a hospital for the purposes of isolation, when the coverage is limited to confinement in a Semi-Private Room or Standard Ward).
5. Express claim procedure
Cigna will prioritize the assessment of claims related to the treatment of COVID-19 during this special protection period to speed up and simplify the claims procedures. We recommend submitting any claims online during this time: simply log in to "MyCigna" customer portal here or download our MyCigna HK app from the App Store or Google Play store. If you need additional assistance, you may contact us via our dedicated customer service hotline (825) 2560 1990.
6. Extension of the grace period for premium payment to 90 days
Cigna has temporarily extended the grace period for premium payment from 30 days to 90 days for policyholders of our medical insurance plans5 who are suspected or confirmed to be infected with COVID-19. Policyholders may submit medical documents showing their confirmed or suspected COVID-19 infection to our customer service department if their policy is terminated due to non-payment of premium. Provided the relevant premium is paid within 90 days of the due date, we will reinstate the policy without health underwriting.
7. Cigna Telehealth Service – Obtain medical advice without spending time waiting in a clinic
Policyholders of Cigna’s medical insurance plans6 (including Cigna VHIS Series) and members of our eligible Local Employee Benefits Group Schemes5 can enjoy fast and convenient medical services through Cigna Telehealth Service – a telemedicine service that allows you to book virtual consultations with doctors, receive medical consultations through video and enjoy medicine delivery and specialty service referral. With telemedicine, you do not need to be present at the clinic and face lengthy waiting times – which might reduce the chance of acquiring infection at clinic. During the special protection period, we are now waiving medication delivery charges and copays (if applicable) for policyholders of Cigna’s medical insurance plans6 and eligible members of the Cigna Local Employee Benefits Group Schemes5 using Cigna Telehealth Service. To enjoy Cigna Telehealth Service, download the dedicated app via App Store / Google Play. and you may consult a medical professional available via smartphone or tablet.
If you have any enquiries, please feel free to contact our dedicated customer service hotline (825) 2560 1990 (individual policyholders) / (852) 2539 9215 (group medical insurance members) or click the Live Chat button on the right of your screen (during office hours) to chat with a Customer Service representative online.
*Standard policy terms and conditions apply. For the applicable benefit limits, please refer to your member booklet, benefit schedule or product brochure for details. The COVID-19 vaccination must be approved by the relevant local health authorities and prescribed by a registered medical practitioner.
1 “COVID-19” means the 2019-nCoV virus and the related illness as defined by the World Health Organization.
2 "Compulsory quarantine" means the insured person is confirmed or suspected to have contracted 2019-nCoV virus as certified by any Physician, and the insured person is being confined in an isolated ward of a hospital or kept in an isolated site appointed by the government or at home quarantine for at least twenty-four (24) consecutive hours and continuously stays in there until discharged from the quarantine. “Suspected” infection means the presence of clinical symptom(s) associated with COVID-19 according to the World Health Organization or Centers for Disease Control and Prevention. Compulsory quarantine order by the government solely on the basis of travel history or contact tracing does not apply.
3 Please refer to the relevant benefit schedule and policy provision for more details.
4 One-off extra payment is applicable to Cigna HealthFirst Choice Medical Plan, Cigna Plus Medical Plan, Cigna HealthFirst TopUp Medical Plan, and Cigna HealthFirst DiaMedic Medical Plan under Cigna HealthFirst Medical Plan Series and Standard Plan, Flexi Plan (SMM), Flexi Plan (Superior) under Cigna VHIS Series, Guarantee 100 Protection Plan and WorryFree Protection Plan under Cigna HealthSecure Critical Illness Series, and Cigna 108% Health Spectra.
5 Cigna CareChoice Group Plan Inclusive.
6 Medical insurance plans include Cigna HealthFirst Elite Medical Plan, Cigna HealthFirst Choice Medical Plan, Cigna Plus Medical Plan, Cigna HealthFirst TopUp Medical Plan, and Cigna HealthFirst DiaMedic Medical Plan under Cigna HealthFirst Medical Plan Series and Standard Plan, Flexi Plan (SMM), Flexi Plan (Superior) under Cigna VHIS Series, Guarantee 100 Protection Plan and WorryFree Protection Plan under Cigna HealthSecure Critical Illness Series, and Cigna 108% Health Spectra.
We reserve the right to change any terms and conditions of these special measures without advance notice. In the event of any disputes, our decision shall be final and conclusive.
|VHIS Certified Plans||
Flexi Plan (SMM)
Flexi Plan (Superior)
|Annual Benefit Limit||$420,000||$570,000||$30,000,000|
|Lifetime Benefit Limit||No Lifetime Benefit Limit||No Lifetime Benefit Limit||No Lifetime Benefit Limit|
|Hospitalization benefits||Standard VHIS cover||Enhanced cover||Full compensation|
|Surgical benefits||Standard VHIS cover||Enhanced cover||Full compensation|
|Prescribed Diagnostic Imaging Tests||Standard VHIS cover||Standard VHIS cover||Full compensation|
|Prescribed Non-surgical Cancer Treatments||Standard VHIS cover||Standard VHIS cover||Full compensation|
|Psychiatric treatments||Standard VHIS cover||Standard VHIS cover||Full compensation|
|Enhanced Benefit: Outpatient kidney dialysis|
HK$30,000 per Policy Year
|Enhanced Benefit: Home nursing for Confinement|
$700 per day
Maximum 15 days per Policy Year
$1,000 per day
Maximum 90 days per Policy Year
|Enhanced Benefit: Supplementary major medical benefit|
HK$150,000 per Policy Year
Subject to 10% Coinsurance
Core benefits already offer full compensation
|Annual Deductible options||
$0 | $15,000 | $25,000 | $50,000| $75,000
|Entry Age||15 days to Age 80||15 days to Age 80||15 days to Age 80|
|Premium payment frequency||Annual / Monthly||Annual / Monthly||Annual / Monthly|
|This table represents a summary of the product features; please refer to the brochure and policy documents for the full Terms and Benefits.||Get a Quote||Get a Quote||Get a Quote|