Cigna HealthFirst Elite 360 Medical Plan

Benefit term: Renewable / Twelve-month cover with successive annual renewals, subject to continued issuance and premium payment. Terms and premiums may change.Public source · Checked: 21 Oct 2026

the basic policy provides hospitalisation protection with optional outpatient and pharmacy benefits.Public source · Checked: 15 Oct 2026

annual 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: 15 Oct 2026

Premium payment terms: Renewable / Twelve-month cover with successive annual renewals, subject to continued issuance and premium payment. Terms and premiums may change.Public source · Checked: 21 Oct 2026

premiums are payable annually or monthly in HKD and increase with age.Public source · Checked: 15 Oct 2026

the insurer may revise standard premiums at renewal/anniversary based on its pricing factors and claims/expense experience.Public source · Checked: 15 Oct 2026

lifetime renewal is guaranteed while the insurer continues issuing the plan and required premiums are paid.Public source · Checked: 15 Oct 2026

pregnancy complications have 1 year, HIV/AIDS treatment 5 years and palliative care 2 years waiting periods.Public source · Checked: 15 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

pre-existing conditions are excluded unless fully disclosed and accepted without exclusion; non-medically- necessary services are excluded.Public source · Checked: 15 Oct 2026

cancellation after cooling-off requires at least 30 days notice using the insurer form, with no refund and possible premium charges through the policy-year end.Public source · Checked: 15 Oct 2026

the cooling-off period is 30 days following delivery of the policy or notice, whichever is earlier. Signed cancellation must reach the insurer; no refund if a benefit is paid, payable or pending.Public source · Checked: 15 Oct 2026

outpatient and other optional insurance benefits can supplement the basic hospitalisation policy.Public source · Checked: 15 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

US residence is defined using 185 days in 365 days; US-incurred payable benefits are reduced to 60% where the insured is resident there.Public source · Checked: 15 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

Annual 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: 15 Oct 2026