Cigna Hong Kong

Cigna Worldwide General Insurance Company Limited (CIGNA) in Hong Kong has a long history, going back to 1933.

It became a part of the CIGNA Corporation in 1982 with the merger of Connecticut General Life Insurance Company (CG) and the Insurance Company of North America (INA). In Hong Kong, it operates both in the local life and accident insurance markets.

For the expatriate or more international market it provides such products as

  • Prime group insurance and
  • Global Options, Close Care and Horizon individual insurance.

In the local market, it offers:

For individuals

  • HealthFirst Choice - Focuses on cover for pre-admission hospitalization and post-hospitalization treatment, with cashless treament at any Hong Kong network hospital.
  • HealthFirst Elite - This product and uniquely offers US cover for 365 consecutive days and thereafter, at a reducing percentage.
  • HealthFirst Diamedic - a unique plan for those with Diabetes, I, II and pre-diabetes.
  • VHIS - Voluntary Health insurance with tax deductibility

For Groups

  • Tailor made group medical plans with the option for staff to add cover for their dependents at no cost to the employer

Telemedicine

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 you to book virtual consultations with Cigna network doctors, receive medical consultations through video and enjoy medicine delivery citywide and specialty service referral.

With telemedicine, you customers do not need to be present at the clinic and face lengthy waiting times. To enjoy Cigna’s virtual consultation service, download the DoctorNow app (search for “DoctorNow” via App Store / Google Play) and you may consult a medical professional available via smartphone or tablet.

Cigna Hong Kong Corporate Fact Sheet

COVID 19

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.

It is recommended that you submit any claims online during this time: You may simply log in to your customer portalor download their MyCigna HK app by searching“MyCigna HK”.

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CIGNA US

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, or the more extensive
  • 'CORE' programmes for larger groups.

These programmes, depending on the state in which your company is registered, will generally require your organization to employ:

  • more than 50 (For example California), or
  • 100 staff worldwide. (For example, New York)

For US based companies we can provide cover for these plans via oru sister organization, 'Navigator Insurance Brokers Inc'. based in Wilmington, Delaware, but additionally registered in a number of states such as Texas, Philadelphia and California.

US based CIGNA group products differ from the Hong Kong products in excluding cover for claims related to Employees' Compensation and providing only Semi-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.

Get a quote online

Prime' is Cigna's group medical plan that offers international private medical style insurance.

You will be able to choose such things as the extent of cover for :

  • Hospitalization

  • Outpatient

  • Maternity

  • Wellness

  • Dental

  • Optical

Groups of under 10 staff will be underwritten, whereas groups of 10 or more will be provided cover with 'Medical History Disregarded'.

Staff that leave the group will have the opportunity to transfer to the individual 'Horizon' plan which guarantees continued cover.

To be a member of the plan, a staff must be:

  • in a clerical occupation,
  • a full-time employee (working 30+ hours a week) and
  • a resident outside their country of domicile, or in Hong Kong a Key Local National (KLN)

NOTE: Coverage of Key Local Nationals is restricted to a maximum of 10% of the covered population.

All employees and their dependents must be enrolled, unless expressly stated that the scheme will be Employee-Only. Note the precise policy wording below from Cigna's 'Special Conditions' page 32.

All US nationals will be allocated Worldwide cover in the expectation they will choose to seek treatment in the US.

Cigna can cover the China based members under a Hong Kong policy provided that:

(i) The expatriates in China are secondees being assigned to work in China on short-term assignments

(ii) Everything under the policy, including but not limited to premium payments, is managed in Hong Kong (outside of China)

(iii) The employer understands that this is a non-admitted cover.

Cigna assumes that all employees in the US are non-residents. In the event of any US residents requiring coverage, a separate US policy should be purchased. Prior approval from Cigna for coverage of all US residents must be obtained prior to enrolment.

CIGNA has strict rules about anyone on thje U.S. Department of Treasury’s Office of Foreign Assets Control’s Specially Designated Nationals (SDN) List... and any employee in a sanctioned country such as the Crimean region of Ukraine, Cuba, Iran, North Korea, and Syria.

At renewal CIGNA will adjust the premium in response to such things as medical inflation, changes in the demographic mix or if there is an ongoing chronic/large claimant within the group.

That is, CIGNA RATES BY THE CLAIM EXPERIENCE OF THE COMPANY/ GROUP and not by the experience of the community at large.

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Below are the documents required for groups that are:

UNDERWRITTEN

NON - UNDERWRITTEN

Samples for some examples of Benefit Tables are also included below:

Local Group Health details

When applying for Cigna's Group Life/Accident/Critical Illness / Disability cover, employers need to provide a:

- Certified true copy of their Business Registration copy

- Completed and signed application form - this must be the original

- Member spreadsheet

- All documents mandated by Anti money laundering legislation

- Insurability form

Documents required are as below:

Cigna Hong Kong's medical plans include the International 'Global Options' and group leavers 'Horizon' plan along with the Local HealthFirst Choice, Elite and world first, DiaMedic products

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’) , 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:

Cigna International - Global Health Options - Documents

CIGNA_Health-Global Health Benefits Helpful Guide-NIB.pdf
CIGNA Health Global Health Benefits Helpful Guide
CIGNA_Health-Global Health Benefits Service Standard-NIB.pdf
CIGNA Health Global Health Benefits Service Standard
CIGNA_Health-Global Individual Plans Sales Brochure.pdf
CIGNA Health Global Individual Plans Sales Brochure
CIGNA Horizon Core Brochure_05.2018-S.pdf
CIGNA Horizon Core Brochure_05.2018+

Horizon is CIGNA's plan exclusively for people transferring from its group plans.

Cover is guaranteed and only CIGNA group members are eligible for cover. Its closest match with other CIGNA plans is the Global Options Silver plan, with relatively low levels of Hospital and outpatient cover.

The coverage under the Hospital and Surgical Benefits is worldwide. The Optional Insurance Benefits are limited to Hong Kong coverage, except for medical expenses related to an Emergency which are covered worldwide.

There no annual limit until age 65. For age of 65 or above, the annual limit ranges from HK$175,000 to $700,000, depending on the plan level chosen.

Choice’s core coverage is focused on hospital and surgical coverage. With cashless hospitalization at any Hong Kong network hospitals.

There are various optional benefits for Choice customers to extend coverage to enhance your protection:

  • Supplementary Major Medical Benefit:
    Additional benefit of up to HK$575,000 per year to cover your inpatient medical expense.
  • Outpatient Benefits:
    For your visits to General Practitioner, Specialist, Chinese Herbalist, Chinese Bonesetter, Acupuncturist, Physiotherapist, Home Consultation, etc.
  • Dental Benefit:
    Coverage includes scaling and polishing, oral examinations, extractions, fillings, X-ray, root canal fillings, etc.
  • Hospital Cash Benefit:
    A daily hospital income of HK$600 per day will be paid if you are hospitalized. The maximum benefit period is 182 days per hospital stay, but there is no annual limit.

Elite’s core coverage is focused on hospitalization and surgical coverage. However, there are various optional benefits for Elite customers to extend coverage ie:

  • Outpatient Benefits: Extensive treatments including Western and Chinese Medicine and much more
  • Pharmacy Benefits: Prescription medication for Major Diseases up to HK$80,000 per year (no diabetes cover)
  • Dental Benefit: Scaling and polishing twice a year, with full coverage of X-rays and common dental procedures
  • Deductible Discount Benefits: 10% discount on your deductible for each eligible year
  • Premium Waiver due to Cancer: 6-month premium waiver upon a cancer diagnosis to help focus on recovery

There are 3 area of coverage options so you can choose where you want your coverage for Elite. They are Asia only (including Australia and New Zealand), Worldwide excluding USA and Worldwide including USA.

If you choose semi-private as accommodation room type, the annual limit would be HK$23,800,000. If you choose standard private room as the accommodation room type, the annual limit would be HK$38,800,000.

The deductible you may choose of HKD15,000, HKD25,000 or HKD50,000 is adjustable upon your retirement.

This privilege is applicable within 31 days immediately before the policy anniversary date coincident with or immediately following the person insured’s 55th, 60th, 65th, or 70th birthday.

This privilege can only be exercised once per lifetime and is not applicable if the person insured has enrolled in the:

  • “Premium Waiver due to Cancer” and/or
  • “Deductible Discount” optional benefits

Cigna HealthFirst Elite Medical Plan also provides a pioneering Compulsory Quarantine Cash benefit of HK$2,000 per day to any insured person quarantined due to notifiable diseases, such as Covid 19.

This benefit extends to quarantine ordered by a physician due to a confirmed or suspected infection with the novel coronavirus. This benefit is paid daily for up to 14 days ie HKD28,000 in total.

The options are summarized below:

Area of Cover

If the person insured’s country of residence is :

  • United States (US)
  • Australia and/or
  • New Zealand

at the time of loss incurred, all benefits payable under the Basic Benefits and the Optional Insurance Benefits (if any) which takes place in the these coutries will be reduced to 60% of relevant reimbursable charges.

Country of residence refers to the country where person insured has stayed in for 185 days or more during the period of 365 consecutive days before the loss incurred date.

In Hong Kong, 1 in every 10 people has diabetes, and the number continues to rise1.

Diabetes can incur significant long-term medical costs and potentially lead to a wide range of complications. Cigna HealthFirst DiaMedic Plan is the pioneering solution for diabetic patients or people at high risk of diabetes.

Source:

1. Hospital Authority, Hong Kong ; http://www21.ha.org.hk/smartpatient/SPW/en-us/Disease-Information/Chronic-Diseases-Zone/Details/?guid=c73a0386-fe66-42eb-a979-7619ac8359da

PEOPLE WHO ELIGIBLE

Available to people with Type 1 or Type 2 diabetes, or pre-diabetes.

KEY FEATURES

Guaranteed Renewal: Guaranteed lifetime renewal regardless of future health changes.

Health Reward*: HK$3,500 Health reward up to HK$3,500 per policy year. (See below for Criteria)

Angel of Diabetic: Free membership of Angel of Diabetic to support your health goals.

HealthFirst DiaMedic covers:

Hospital and Surgical (Compulsory)

Hospital Room & Board Benefit of up to HK$3,600 per day, maximum of 270 days per policy year

Surgeon's, anaesthetist's, operating theatre expenses, etc. in Surgical Benefit

Organ Transplantation Benefit, Cancer Treatment and Dialysis Benefit, Rehabilitation Benefit and Palliative Care Benefit

180-day coverage for post-hospitalization visits to a clinic each time when you are discharged from the hospital or after surgery performed in a physician’s clinic

Cashless hospitalization arrangements at network hospitals in Hong Kong

Outpatient (Optional)

Visits to a general practitioner, specialist,

Chinese medicine practitioner, and acupuncturist,

Dietetic guidance,

Prescribed western medicine (Day Limit applies), and

Diagnostic imaging and laboratory tests.


* Health Reward Criteria/Policy Renewable Criteria

For person insured whose age is 18 or above and who has been diagnosed by a physician as having Type 1 diabetes:

Examination Type Examination Name Reading Acceptable or not
Blood Sugar Level HbA1c Less than 7% Yes
7% or above No
Blood Pressure Systolic Blood Pressure Less than 90 No
90 – 140 Yes
Above 140 No
Diastolic Blood Pressure Less than 60 No
60 – 80 Yes
Above 80 No
Body Build Body Mass Index (BMI) Less than 17 No
17 – 25 Yes
Above 25 No
Cholesterol Cholesterol Low-density Lipoprotein <116 mg/dl or <3 mmol/l Yes
≥116 mg/dl or ≥3 mmol/l No
Presence of Protein / Albumin in Random Urine Sample Protein Concentration in Urine <0.02g/l or <2mg/dl Yes
≥0.02g/l or ≥2mg/dl No



For person insured whose age is 18 or above and who has never been diagnosed by a physician as having Type 1 diabetes:

Examination Type Examination Name Reading Acceptable or not
Blood Sugar Level HbA1c Less than 8% Yes
8% or above No
Blood Pressure Systolic Blood Pressure Less than 90 No
90 – 140 Yes
Above 140 No
Diastolic Blood Pressure Less than 60 No
60 – 90 Yes
Above 90 No
Body Build Body Mass Index (BMI) Less than 17 No
17 – 30 Yes
Above 30 No
Cholesterol Cholesterol Low-density Lipoprotein <129 mg/dl or <3.3 mmol/l Yes
≥129 mg/dl or ≥3.3 mmol/l No
Presence of Protein / Albumin in Random Urine Sample Protein Concentration in Urine <0.66g/l or <66mg/dl Yes
≥0.66g/l or ≥66mg/dl No

For person insured whose age is less than 18 and who has been diagnosed by a physician as having Type 1 diabetes:

Examination Type Examination Name Reading Acceptable or not
Blood Sugar Level HbA1c Less than 7.5% Yes
7.5% or above No
Blood Pressure Systolic Blood Pressure Refer to the following Table#1
Diastolic Blood Pressure
Body Build Height and Weight Refer to the following Table#2
Cholesterol Cholesterol Low-density Lipoprotein <110 mg/dl or <2.8 mmol/l Yes
≥110 mg/dl or ≥2.8 mmol/l No



For person insured whose age is less than 18 and who has never been diagnosed by a physician as having Type 1 diabetes:

Examination Type Examination Name Reading Acceptable or not
Blood Sugar Level HbA1c Less than 8% Yes
8% or above No
Blood Pressure Systolic Blood Pressure Refer to the following Table#1
Diastolic Blood Pressure
Body Build Height and Weight Refer to the following Table#2
Cholesterol Cholesterol Low-density Lipoprotein <110 mg/dl or <2.8 mmol/l Yes
≥110 mg/dl or ≥2.8 mmol/l No

Table #1 – Acceptable range of blood pressure level for person insured aged under 18:

Attained Age Male Female
Systolic Blood Pressure Diastolic Blood Pressure Systolic Blood Pressure Diastolic Blood Pressure
1 83 – 100 36 – 53 85 – 101 39 – 55
2 87 – 104 41 – 58 87 – 103 44 – 60
3 89 – 107 45 – 62 88 – 104 48 – 64
4 91 – 109 49 – 66 90 – 106 51 – 67
5 93 – 110 52 – 69 91 – 107 53 – 69
6 94 – 111 54 – 71 93 – 109 55 – 70
7 95 – 113 56 – 73 95 – 111 56 – 72
8 97 – 114 58 – 74 96 – 113 57 – 73
9 98 – 115 59 – 76 98 – 114 58 – 74
10 100 – 117 60 – 76 100 – 116 59 – 75
11 102 – 119 60 – 77 102 – 119 60 – 77
12 104 – 121 61 – 77 104 – 121 61 – 77
13 106 – 124 61 – 78 106 – 124 61 – 78
14 109 – 126 61 – 79 109 – 126 63 – 79
15 112 – 129 63 – 80 112 – 129 63 – 80
16 114 – 131 64 – 81 114 – 131 64 – 81
17 116 – 134 66 – 83 116 – 134 66 – 83

Table #2 – Acceptable range of body build for person insured aged under 18:

Attained Age Height (in cm) Weight (in kg)
1 63 – 93 6.3 – 15.1
2 75.4 – 101.4 8.9 – 17.3
3 83 – 109 10 – 20.4
4 89 – 116.3 11.3 – 24
5 95 – 98.1 12.6 – 28
6 101.2 – 130.9 14.1 – 32.8
7 107.1 – 138 15.5 – 38.4
8 112.2 – 144.6 17.1 – 44.9
9 116.6 – 150.6 18.8 – 52
10 120.5 – 156.4 20.7 – 59.1
11 124.6 – 162.8 23.1 – 66.2
12 130.8 – 170.2 25.8 – 72.7
13 137.8 – 177.5 28.9 – 79.1
14 142.1 – 182.9 31.9 – 85.1
15 143.9 – 186.0 34.7 – 91.2
Attained Age BMI for Boys BMI for Girls
16 20.4 – 23.7 20.4 – 23.1
17 20.8 – 23.9 20.4 – 23.2

The Voluntary Health Insurance Scheme (VHIS) is a government-endorsed scheme that aims to give the Hong Kong public better access to timely, high quality private medical treatment. Private health insurance plans that meet the Government’s criteria are officially certified as VHIS plans.

Below are the options provided by Cigna

If you would like a quote or to discuss the various options, contact Mr Robin Brown - robin.brown@navigator-insurance.com or Ms Romi Gill romi.gill@navigator-insurance.comTel 2530 2530.

The risk of suffering a Critical illness rises with age. While you are in good health is the best time to guarantee cover should you be diagnosed with an illness, such as a heart attack, stroke or cancer and around 48 others.. 53 in all.

Cigna's 'HealthSecure Protection Booster ' Critical illness product offers 3 cover choices:

.

For more information contact Mr Robin Brown robin.brown@navigator-insurance.com Tel +852 2530 2530

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