CIGNA PLUS MEDICAL PLAN
Hassle-free protection to keep you covered at all times
Plan Benefits
Cigna Plus Medical Plan provides annual medical coverage of up to HK$1 million for as low as a few dollars a day.
Hospital and Surgical Benefits up to HK$1 million
Supplement your existing plan with up to HK$1 million in hospital and surgical benefits per year.
Wide Range of Deductible Options for you to Tailor your Protection
Cigna Plus Medical Plan also comes with deductible options ranging from HK$30,000 to HK$200,000 per policy year, in addition to 3 plan levels of accommodation room type.
Guaranteed Lifetime Renewal
The policy is guaranteed renewable every year regardless of your individual health / claims record.
No individual premium loading
Premium will not increase due to changes in individual health conditions, claims records or occupation.
Worldwide insurance coverage
The medical plan covers your hospital and surgical expenses all over the globe, protecting you anytime anywhere.
Plan Benefits
Provide you with
HK$1 million
medical coverage
Learn More
Coverage Details
Hospital 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 age 75
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.
Illustration
Mr. Lee suffered from a Benign Tumor and needed craniotomy surgery and brain tumor excision. He was worried about the high risk and complicated nature of the surgery, as well as the expensive medical bills.
Luckily, Mr. Lee had enrolled ward level TopUp plan (with HK$50,000 deductible option) which helped him with the expensive surgery.
HOW CIGNA HELPS:
With only a few dollars a day, the Cigna Plus Medical Plan helped Mr Lee cover more than HK$480,000 medical expenses.
Total amount covered (HK$):
| Plan Benefits | Expenses Incurred3 | Deductible1 | Expenses Covered (90% of remaining balance) | Calculation Illustration |
|---|---|---|---|---|
| Surgical (complex) |
300,000 | 25,000 | 247,500 | (300,000 - 25,000) x 90% |
| Anaesthetist (complex)2 |
90,000 | 7,500 | 74,500 | (90,000 – 7,500) x 90% |
| Operation theatre (complex)2 |
120,000 | 10,000 | 86,625 | 247,500 x 35% |
| Other medical expenses | 90,000 | 7,500 | 74,250 | (90,000 - 7,500) x 90% |
| Total | 600,000 | 50,000 | 482,625 | |
| Expenses paid by Mr Lee | 117,375 | |||
