CIGNA PLUS
MEDICAL PLAN
PLAN 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
Ranges from HK$30,000 – $200,000 per policy year to suit your specific needs
From 15 days to 75 years
- Anaesthetist’s Expenses and Operation Theatre Expenses are subject to 35% of Surgical Expenses payable.
- Pre-admission and post-hospitalization Outpatient Expenses is subject to a maximum limit of HK$10,000 per policy year.
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.
| 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 |
- Your HKID no.
- The HKID no. of any family members you wish to cover
- your basic contact information
- the height, weight, and medical history details of you or any family members you wish to cover
- 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.
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 8200 8376 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 plan, you may enroll in Plus in order to “top up” your existing coverage.
The maximum annual limit for benefit of Plus is HK$1 million.
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.
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.
Please login to our customer portal at www.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.
Hospitalization / Medical Expenses Claim
- Accident or Medical Expenses Doctor Form completed by your attending doctor
- Medical Receipt(s)
- Hospital statement of charges / invoice / bill with breakdown of charges
- Hospital Discharge Summary or any document(s) issued by doctor/hospital with diagnosis proof
- Identity card copy of the Policyholder
- 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
Cigna Customer Service Hotline: 2560 1990 during office hours
Mon – Fri, 0900 - 1900, except Public Holidays).
