Cigna Civil Servants Medical Insurance Scheme

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Four featured medical insurance plans cater to your needs
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Comprehensive medical protection for civil servants

Cigna presents four featured medical insurance plans for civil servants and non-civil servants employed by the Hong Kong Government and their family members. These medical plans offer more options for civil servants and cater to your various needs, providing peace of mind along your different life stages.

Exclusive discounts are available for you. Contact us now to learn more about the medical insurance plans and offers.

call orange logo Application & Enquiry Hotline: 8107 0799

Key Benefits of Medical Insurance Plans
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Cigna HealthFirst Elite Medical Plan
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Cigna HealthFirst Choice Medical Plan
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Cigna 108% Health Spectra
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Cigna VHIS Series
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Cigna HealthFirst Elite Medical Plan
  • Comprehensive worldwide medical insurance coverage
  • No lifetime limit1
  • Up to HK$50M annual limit2
  • Free annual physical health check-ups (valued at HK$1,800)
  • Flexible options to suit your needs (area of coverage, accommodation room type and annual deductible options)
  • Optional benefits (Outpatient, Pharmacy, Dental, Deductible Discount, Premium Waiver due to Cancer)
  • All-round healthcare concierge service in Hong Kong

Download Brochure

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Cigna HealthFirst Choice Medical Plan
  • Cashless hospitalization
  • Comprehensive medical protection, which covers pre-admission and post-hospitalization treatment, cancer treatment, dialysis and more
  • Health reward of up to 15% premium discount at renewal for no claim record
  • An array of optional benefits to suit your needs (Supplementary Major Medical, Hospital Cash, Outpatient, Dental)
  • Free annual health check-ups

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Cigna 108% Health Spectra
  • 10 years of comprehensive medical protection, including hospitalization and surgical expenses and a lump-sum carcinoma-in-situ benefit
  • 108% return of premium
  • Up to HK$300,000 lump-sum cancer benefit
  • Fixed premium during the 6-year premium term
  • Annual discount coupons for body check-ups and spinal health assessments

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Cigna VHIS Series
  • Tax deduction
  • Up to HK$30M Annual Benefit Limit
  • Covering unknown pre-existing conditions
  • Covering various cancer treatments
  • Guaranteed renewal up to age of 100, with unlimited Lifetime Benefit Limit
  • Five deductible options3

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Remark on product features:

  1. Lifetime limit of HK$500,000 applies to the Optional Pharmacy Benefits.
  2. The Basic Benefits and Optional Outpatient Benefits under standard private room and semi-private room types are subject to an overall maximum annual limit of HK$50,000,000 and HK$30,000,000 respectively.
  3. Applies only to the Cigna VHIS Series – Flexi Plan (Superior).

This webpage contains terms and conditions of the promotion only and does not represent the full terms of the policy. For details of the features, contents, terms, conditions and exclusions of the Cigna products in this leaflet, please refer to the relevant product brochure(s) at www.cigna.com.hk and the policy provision(s).

Application & Enquiry Hotline:
8107 0799