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Cigna Medical plans compared

Compare 3 products sharing Cigna / High-end medical: currencies Not confirmed, premium-payment options Renewable, issue-age span 15 days to 80 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

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Last checked

Years 2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

Insurers (13)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 3 / 3

Comparable facts
ProductInsurerProduct categoryPremium payment termsBenefit termIssue ages & basisPublished key exclusions (not exhaustive)
Cigna Cathay Premier Health PlanCignaHigh-end medical Source1Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change. Source2Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change. Source215 days to 80 years / Age basis: Age last birthday / Basic cover; under-18s need a parent with the same area. See key features for child termination and optional upgrade conditions. Source2Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions. Source3
Cigna HealthFirst Elite 360 Medical PlanCignaHigh-end medical Source4Renewable / Twelve-month cover with successive annual renewals, subject to continued issuance and premium payment. Terms and premiums may change. Source4Renewable / Twelve-month cover with successive annual renewals, subject to continued issuance and premium payment. Terms and premiums may change. Source415 days to 70 years / Age basis: Not confirmed Source4Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions. Source4
Cigna Platinum PlanCignaHigh-end medical Source5

No public field citation recorded

Renewable / Annual renewal; the product page states no upper renewal age. Renewal is not an insured entry-age rule. Source5

No public field citation recorded

Maternity benefits exclude surrogacy and related treatment; this is a selected exclusion, not the general exclusion list. Source6

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable factsCigna Cathay Premier Health PlanCigna HealthFirst Elite 360 Medical PlanCigna Platinum Plan
What it pays and when
  • Benefit term: Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change.
  • Recorded features: Child cover ends if the parent policy ends or areas cease to match, subject to the area upgrade exception.
  • Recorded features: Optional area upgrade guarantee entry ends at 65; basic cover entry ends at 80.
Public source · Checked
  • Benefit term: Renewable / Twelve-month cover with successive annual renewals, subject to continued issuance and premium payment. Terms and premiums may change.
  • the basic policy provides hospitalisation protection with optional outpatient and pharmacy benefits.
Public source · Checked Public source · Checked
  • Benefit term: Renewable / Annual renewal; the product page states no upper renewal age. Renewal is not an insured entry-age rule.
  • The Global Health Options guide explicitly lists Platinum, providing inpatient/daypatient hospital, cancer and mental-health cover under its schedule.
Public source · Checked Public source · Checked
Benefit limitsnot yet checkedannual benefit limits are HK$30 million for Asia and HK$50 million for either worldwide option, subject to deductibles and benefit conditions.Public source · Checked Platinum optional dental cover has a US$5,500 annual limit (EUR4,300 / GBP3,500); dental waiting periods and reimbursement rules still apply.Public source · Checked
Guaranteed / non-guaranteednot yet checkedlifetime renewal is guaranteed while the insurer continues issuing the plan and required premiums are paid.Public source · Checked The guide defines renewable cover periods of 3 to 12 months; it does not state an unconditional lifetime- renewal guarantee.Public source · Checked
Waiting periodsnot yet checkedpregnancy complications have 1 year, HIV/AIDS treatment 5 years and palliative care 2 years waiting periods.Public source · Checked Optional preventative dental treatment is available after 3 months of cover under that option; other dental treatments have separate periods.Public source · Checked
Main exclusionsPublished key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions.Public source · Checked
  • Published key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions.
  • pre-existing conditions are excluded unless fully disclosed and accepted without exclusion; non-medically- necessary services are excluded.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Maternity benefits exclude surrogacy and related treatment; this is a selected exclusion, not the general exclusion list.
  • Medical evacuation cover does not pay hospital accommodation merely while waiting for a return flight after treatment has ended.
Public source · Checked Public source · Checked
Deductibles / room / renewalnot yet checkedAnnual deductibles are HK$15,000, HK$25,000, HK$50,000 or HK$75,000, counted afresh each policy year; specified benefits are exempt.Public source · Checked Deductible and cost-share options can change from annual renewal; reducing or removing them may require detailed medical information.Public source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesCigna Cathay Premier Health PlanCigna Cathay Premier Health PlanCigna HealthFirst Elite 360 Medical PlanCigna HealthFirst Elite 360 Medical PlanCigna Platinum PlanCigna Platinum PlanWhat it pays and whenWhat it pays and whenBenefit term: Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change. · Recorded features: Child cover ends if the parent policy ends or areas cease to match, subject to the area upgrade exception. · Recorded features: Optional area upgrade guarantee entry ends at 65; basic cover entry ends at 80.Benefit term: Renewable / …Benefit term: Renewable / Twelve-month cover with successive annual renewals, subject to continued issuance and premium payment. Terms and premiums may change. · the basic policy provides hospitalisation protection with optional outpatient and pharmacy benefits.Benefit term: Renewable / …Benefit term: Renewable / Annual renewal; the product page states no upper renewal age. Renewal is not an insured entry-age rule. · The Global Health Options guide explicitly lists Platinum, providing inpatient/daypatient hospital, cancer and mental-health cover under its schedule.Benefit term: Renewable / …Benefit limitsBenefit limitsnot yet checkednot yet checkedannual benefit limits are HK$30 million for Asia and HK$50 million for either worldwide option, subject to deductibles and benefit conditions.annual benefit limits are …Platinum optional dental cover has a US$5,500 annual limit (EUR4,300 / GBP3,500); dental waiting periods and reimbursement rules still apply.Platinum optional dental c…Guaranteed / non-guaranteedGuaranteed / non-guarantee…not yet checkednot yet checkedlifetime renewal is guaranteed while the insurer continues issuing the plan and required premiums are paid.lifetime renewal is guaran…The guide defines renewable cover periods of 3 to 12 months; it does not state an unconditional lifetime- renewal guarantee.The guide defines renewabl…Waiting periodsWaiting periodsnot yet checkednot yet checkedpregnancy complications have 1 year, HIV/AIDS treatment 5 years and palliative care 2 years waiting periods.pregnancy complications ha…Optional preventative dental treatment is available after 3 months of cover under that option; other dental treatments have separate periods.Optional preventative dent…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions.Published key exclusions (…Published key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions. · pre-existing conditions are excluded unless fully disclosed and accepted without exclusion; non-medically- necessary services are excluded.Published key exclusions (…Published key exclusions (not exhaustive): Maternity benefits exclude surrogacy and related treatment; this is a selected exclusion, not the general exclusion list. · Medical evacuation cover does not pay hospital accommodation merely while waiting for a return flight after treatment has ended.Published key exclusions (…Deductibles / room / renewalDeductibles / room / renew…not yet checkednot yet checkedAnnual deductibles are HK$15,000, HK$25,000, HK$50,000 or HK$75,000, counted afresh each policy year; specified benefits are exempt.Annual deductibles are HK$…Deductible and cost-share options can change from annual renewal; reducing or removing them may require detailed medical information.Deductible and cost-share …
A–Z (3)

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Sources & verification dates

Sources & verification dates

Checked:

  1. Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown

    Source date: Not confirmed

  2. Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date

    Source date: / Page: 7

  3. Product brochure; PDF page 27 selected exclusions; full list and exceptions in wording

    Source date: / Page: 27

  4. Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown

    Source date: Not confirmed

  5. Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown

    Source date: Not confirmed

  6. Customer guide; PDF page 25 maternity exclusions; edition/effective date unknown

    Source date: Not confirmed / Page: 25

Information, not advice; we refer to a licensed Hong Kong broker.

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