Cigna HealthFirst Choice Medical Plan
Also known as: 信諾自選醫療保
Leave your name and email or phone/WhatsApp number, and consent to broker follow-up. A licensed Hong Kong broker will contact you for a free comparison. Age and budget are optional. For a licensed Hong Kong broker introduction, use /contact/, WhatsApp +447410367251, WeChat pineapplebun2000 or email enquiries@buyhongkonginsurance.com.
Last checked
Cigna HealthFirst Choice Medical Plan is recorded as Not confirmed. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates
At a glance
- Insurer
- CIGNA Worldwide General Insurance Company Limited
- Policy currencies
- HKD
- Premium payment terms
- Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change.
- Issue ages & basis
View 1 options
Issue ages & basis Recorded information Premium payment terms / Age basis 15 days to 75 years
Age basis: Age last birthday
Decision sheet
10 of 13 known · 3 not published · 0 not yet checked
- What it pays and when
Benefit term: Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change.Public source · Checked:
The basic policy provides hospitalisation benefits, with optional outpatient and other medical benefits.Public source · Checked:
- Benefit limits
For age 65 or above at commencement, annual hospital/surgical limits are HK$700,000, HK$375,000 and HK$175,000 by plan; younger entrants have no overall annual limit but item limits apply.Public source · Checked:
- Premium and payment term
Premium payment terms: Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change.Public source · Checked:
Premium depends on age, sex, smoking habit and selected plan at commencement and renewal.Public source · Checked:
- How premiums can change
Premium may be revised at anniversary or renewal; the renewal pack is sent 45 days before the policy anniversary.Public source · Checked:
- Guaranteed / non-guaranteed
Hospital and Surgical Benefits are guaranteed renewable to age 100 while the insurer continues issuing the plan and renewal premiums are paid.Public source · Checked:
- Waiting periods
- not publishedDocuments checkedPublic source · Checked:
- Main exclusions
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:
The brochure exclusion list includes pre-existing medical conditions and specified hazardous activities; complete policy exclusions apply.Public source · Checked:
- Surrender / cancellation
The policy provides indemnity benefits and has no cash value.Public source · Checked:
- Cooling-off
- not publishedDocuments checkedPublic source · Checked:
- Riders
Optional benefits include Supplementary Major Medical, Outpatient and Dental Benefits.Public source · Checked:
- Claims steps
Notify the insurer in writing within 30 days after the event giving rise to a claim; identify the insured and the nature of the claim.Public source · Checked:
- Policy servicing from abroad
- not publishedDocuments checkedPublic source · Checked:
- Complaints and dispute routes
1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:
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:
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:
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:
Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.
Questions to ask before buying
Questions to ask before buying (5)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What waiting periods apply?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- Which benefits and values are guaranteed, and which are not?
Belongs to
Belongs to
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
More product information from this insurer:
Similar products from other insurers
Similar products from other insurers
No same-type products from other insurers are currently listed.
All published facts
All published facts
| Field | Recorded information | ||||
|---|---|---|---|---|---|
| Policy currencies | HKD | ||||
| Premium payment terms | Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change. | ||||
| Benefit term | Renewable / Annual cover to 100; annual/monthly payments. Renewal requires continued issuance/payment; premiums may change. | ||||
| Issue ages & basis |
| ||||
| Published key exclusions (not exhaustive) | Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions. |
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown
Source date: Not confirmed
- Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date
Source date: / Page: 7
- Product brochure; PDF page 14 selected exclusions; full list and exceptions in wording
Source date: / Page: 14