Cigna Hong Kong
Cigna in Hong Kong has a long history going back to 1933.
It operates both in the local life insurance market with a range of individual and group life (term and unit linked), accident and health insurance programmes.
In the local market, its HealthFirst Choice Group health product is popular, though like the normal Hong Kong group policy, is bought on a budget and beset by many limitations. HealthFirst Elite is a similar product for individuals and uniquely offers US cover for 365 consecutive days and thereafter, at a reducing percentage.
Sales of individual (Cigna Global Health Options) and group products (CignaPrime Health Care Plan) are made in Hong Kong but are thereafter serviced by back office staff in the UK and to some extent, Singapore.
Cigna in Hong Kong provides no direct access to its US based group health and accident policies, such as the Global Health Advantage for SME's and the more extensive 'CORE' programmes for larger groups. These programmes, depending on the state, will generally require your organization to employ more than 50 or 100 staff worldwide. For US based companies we can provide cover for these plans via 'Navigator Insurance Brokers Inc'. based in Wilmington, Delaware, but additionally registered in a number of states such as Texas and California.
US based international Cigna group products generally differ from the Hong Kong equivalents in excluding cover for claims related to Employees' Compensation and providing only Semi-Private rather than Private hospital room accommodation.
Cigna Hong Kong clients however enjoy the same access to inpatient and outpatient networks, the so called 'Cigna Links' programme which is a hallmark of Cigna worldwide.
Cigna has over 30 years' experience working with expatriates and now insures nearly 1 million expatriates globally.
The Global Health Options plans have been built with this experience as their foundation.
International Private Medical Insurance
Cigna's "Global Health Options" offers three levels of benefit: Silver, Gold and Platinum.
The Gold and Silver plans are often taken by people only staying abroad for a year or two. Longer term expatriates will generally prefer the Platinum plan, with unlimited cover for medication, an increasingly expensive component of medical care.
Cigna Global Health Options, in addition to the compulsory Hospital cover (called ‘International Medical Cover’ by Cigna) , provides 4 optional modules, as summarized below.
Not only does Cigna offer the traditional excesses, but allows you to choose the level of excess/deductible for hospital and outpatient care, separately.. So for example your excess chosen for more likely outpatient treatment will typically be lower than a deductible you may choose for hospital treatment.
In addition, you also have a choice to have the US style coinsurance or cost share options, together with an ‘out of pocket’ maximum. See table below.
Unlike most other plans in the market, the Cigna Global Health Options plan has no age limits!
A further distinguishing feature is that those aged 60 years old and above, or turning 60 years old within the period of cover, and has one of the following conditions as declared on their medical questionnaire, can claim for the medically necessary outpatient treatment costs associated with the maintenance of the conditions indicated:
Local Hong Kong Medical cover
For those less concerned about having extensive international cover, Cigna offers the HealthFirst Elite Medical plan, summarized below:
The HealthFirst Elite includes a pioneering Quarantine Cash benefit - an extra HK$2,000 cash benefit per day if you are quarantiend due to the coronvirus outbreak.
Note: Customers to follow guidance provided by the Centre for Health Protection, Department of Health, The Government of the HKSAR which includes maintaining basic hygiene and exercising vigilance when travelling.
CIGNA also offers tailor made medical plans which for over 10 staff, will not be subject ot underwriting.
With the number of confirmed and suspected novel coronavirus1 cases rising worldwide, we have introduced a number of special supportive measures to enhance the benefits available to your customers, effective immediately until 1 June 2020 (special protection period).
Any hospitalization or outpatient expenses related to confirmed or suspected cases of novel coronavirus will be claimable to the full extent of the coverage available under Cigna’s health insurance plans. Your customers may refer to their benefits for full details of the coverage they are entitled to.
Cigna HealthFirst Elite Medical Plan already provides best-in-class benefits 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 the novel coronavirus, whether the compulsory quarantine takes place in an isolated hospital ward, a government-appointed isolated site, or at home. This benefit is paid daily for up to 14 days.
For policyholders of our other medical reimbursement plans (includingCigna VHIS Series,Cigna HealthFirst Medical Plan Series4), and members of the Cigna Local Employee Benefits Plan, we are making available anextra one-off payment of HK$2,000 cash for compulsory quarantinedue to confirmed or suspected novel coronavirus infection which will apply during this special protection period.
In case of hospitalization related to novel coronavirus, 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).
Cigna will prioritize the assessment of claims related to the treatment of novel coronavirus during this special protection period to speed up and simplify the claims procedures. We recommend submitting any claims online during this time: your customers may simply log in to our customer portalor download ourMyCigna HKapp from theorstore (by searching“MyCigna HK”).
Policyholders of Cigna’s medical plans (including our VHIS Series) can enjoy fast and convenient medical services through Cigna Virtual Consultation – a telemedicine service that allows your customers to book virtual consultations with Cigna network doctors, receive medical consultations through video and enjoy medicine delivery citywide and specialty service referral.
With telemedicine, your customers do not need to be present at the clinic and face lengthy waiting times– which might reduce the chance of acquiring infection at a crowded clinic. To enjoy Cigna’s virtual consultation service, download the DoctorNow app (search for “DoctorNow” via App Store / Google Play) and your customers may consult a medical professional available via smartphone or tablet.
If you have any questions, please feel free to reach out to your dedicated One Cigna team representative.
Business Development, Cigna Hong Kong
10) 信諾視像診療 – 無需在診所排隊和等候，輕鬆獲得醫療建議
(1) “Novel coronavirus” means the 2019-nCoV virus and the related illness (COVID-19) 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. Compulsory quarantine order by the government due to travel history alone 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), and Flexi Plan (Superior) under Cigna VHIS Series.