Cigna Plus Medical Plan
Also known as: 信諾升級醫療保
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Last checked
Cigna Plus 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:
Supplementary hospital and surgical protection applies after the selected annual deductible.Public source · Checked:
- Benefit limits
Annual hospital/surgical limit is HK$1 million; reimbursement after deductible is 90% in Hong Kong and 50% outside Hong Kong.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 level at commencement and renewal.Public source · Checked:
- How premiums can change
The insurer may revise premiums, policy terms and benefit schedule upon each renewal.Public source · Checked:
- Guaranteed / non-guaranteed
Guaranteed annual renewal up to age 100 is subject to the plan still being available.Public source · Checked:
- Waiting periods
The brochure states that approved protection takes effect immediately without a waiting period.Public 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:
Exclusions include pre-existing medical conditions, professional sports and the specified hazardous activities.Public source · Checked:
- Surrender / cancellation
The policy is an indemnity insurance policy without cash value.Public source · Checked:
- Cooling-off
- not publishedDocuments checkedPublic source · Checked:
- Riders
- not publishedDocuments checkedPublic source · Checked:
- Claims steps
The brochure directs claims through the customer portal or MyCigna HK app and the insurer claim-procedure pages.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.
- Which riders are available, and what are their costs and terms?
- 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:
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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 5 plan at a glance; edition code date, not policy effective date
Source date: / Page: 5
- Product brochure; PDF page 13 selected exclusions; full list and exceptions in wording
Source date: / Page: 13