Cigna Platinum Plan

Benefit term: Renewable / Annual renewal; the product page states no upper renewal age. Renewal is not an insured entry-age rule.Public source · Checked: 21 Oct 2026

The Global Health Options guide explicitly lists Platinum, providing inpatient/daypatient hospital, cancer and mental-health cover under its schedule.Public source · Checked: 15 Oct 2026

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: 15 Oct 2026

The individual Certificate of Insurance records the annual premium, selected health plan, deductible and cost share.Public source · Checked: 15 Oct 2026

The guide states that renewal premiums are not based on individual claims made during the policy year; a renewal invitation is sent 45 days before renewal.Public source · Checked: 15 Oct 2026

The guide defines renewable cover periods of 3 to 12 months; it does not state an unconditional lifetime- renewal guarantee.Public source · Checked: 15 Oct 2026

Optional preventative dental treatment is available after 3 months of cover under that option; other dental treatments have separate periods.Public source · Checked: 15 Oct 2026

Published key exclusions (not exhaustive): Maternity benefits exclude surrogacy and related treatment; this is a selected exclusion, not the general exclusion list.Public source · Checked: 21 Oct 2026

Medical evacuation cover does not pay hospital accommodation merely while waiting for a return flight after treatment has ended.Public source · Checked: 15 Oct 2026

Optional modules are International Outpatient, Health and Wellbeing, Medical Evacuation, and Dental and Vision.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

The online Customer Area allows policy-document access, premium summaries, claims submission/tracking and updating details.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

Deductible and cost-share options can change from annual renewal; reducing or removing them may require detailed medical information.Public source · Checked: 15 Oct 2026