Cigna Cathay Premier Health Plan

Benefit term: Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change.Public source · Checked: 21 Oct 2026

Recorded features: Child cover ends if the parent policy ends or areas cease to match, subject to the area upgrade exception.Public source · Checked: 21 Oct 2026

Recorded features: Optional area upgrade guarantee entry ends at 65; basic cover entry ends at 80.Public source · Checked: 21 Oct 2026

Premium payment terms: Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change.Public source · Checked: 21 Oct 2026

Published key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions.Public source · Checked: 21 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Register in MyCigna HK and submit the relevant claim with supporting documents.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Form I, physician form II, discharge/diagnosis evidence and policyholder ID; other-insurer settlement breakdown if applicable.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Documents must reach Cigna within 90 days of medical expenses being incurred; check your policy terms.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: MyCigna HK app; the published telephone contacts provide assistance.Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Processing starts on receipt of a complete form; this is not a published payment deadline.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026