Health Insurance Learning Hub
What Does the Service Include?
This service allows policyholders to enter the hospital without paying a deposit and to discharge without needing to handle claim procedures. Hospitalization for surgery or cancer treatment can involve substantial costs, sometimes reaching tens or even hundreds of thousands of Hong Kong dollars. For families with limited cash flow, the requirement to pay a deposit upon admission, followed by the process of claiming reimbursement later, can create significant financial pressure. Policies that cover cashless hospitalization services can eliminate this burden, simplifying the process for patients and their families.
How to Apply for the Service?
Clients wishing to enjoy cashless hospitalization need to complete the following five simple steps:
Pre-Admission Application*: Apply through MyCigna, or by calling the Cigna customer service hotline, or the health insurance hotline.
Fill Out a Hospitalization Approval Application*: Complete the form and email it to Cigna.
Receive Notification*: Clients will receive a notification regarding the application results. If approved, the hospital will also receive a payment guarantee from Cigna.
Present Documents at Admission*: Clients must show their Cigna medical card and identification when registering at the hospital.
Notification of Claims Details*: After the hospital submits the necessary documents, Cigna will inform the policyholder about the claims details and any applicable out-of-pocket expenses.
Medical Expenses Beyond Coverage Must Be Paid by Insured
Insured individuals should note that, despite the policy offering "Cashless Hospitalization " the actual situation will depend on individual cases. Clients may receive full coverage or may need to cover the difference. If the total fees for treatment or surgery exceed the coverage limit, the insurance company will subsequently issue a notification to the insured, detailing the coverage and requesting that the relevant difference be paid. Therefore, if the insured has any questions, they should inquire with the insurance company in advance to understand the details.
Voluntary Health Insurance Plans Offer No Deposit for Hospitalization and No Payment Upon Discharge to Alleviate Financial Concerns
The "Cashless Hospitalization " arrangement under the Voluntary Health Insurance Scheme allows patients to focus on receiving treatment and recuperating without worrying about financial turnover or claims applications. The Cigna VHIS Flexible Plan (Superior) not only offers tax deductions of up to $8,000 but also provides various plan levels to choose from. Whether in terms of price, coverage, or value-added services, it can meet the needs of budget-conscious individuals, helping you save as much as possible. Click here to learn more.
Cigna VHIS Series - Flexi Plan (Superior) You need a smart voluntary health insurance policy:
Up to HKD 30 million in coverage annually, with no lifetime limit.
Tax deduction eligibility of up to HKD 8,000.
Comprehensive coverage for hospitalization, surgery, cancer treatment, mental health care, and more.
Learn More
The content above is for reference only. Cigna Healthcare does not guarantee the accuracy or completeness of the information provided. Cigna Healthcare is not liable for any damages, compensation, costs, or other expenses arising from the information herein.
The information about the insurance products is provided directly by Cigna Healthcare and does not encompass all coverage details and features of the insurance products. Specific insurance plans are subject to the terms of their policies. For product features, contents, terms, conditions, and exclusions, please visit the Cigna Healthcare website and refer to the relevant product brochures and policy terms. This information should not be considered a binding insurance contract or an offer, invitation, or solicitation to enter into any insurance contract.