Cigna HealthFirst Prime

Cigna's HealthFirst Prime excels for internationally mobile HK residents — the plan provides seamless coverage across HK, Macau, and Mainland China with the same benefits and direct billing, without requiring separate China top-up policies. Annual benefit is HK$50M with no lifetime cap. Cigna's global network of 900,000+ healthcare providers means policyholders travelling or relocating within Asia have in-network access without pre-authorization. The plan includes mental health outpatient coverage (HK$600/session, up to 30 sessions) — unusually comprehensive for a HK health plan.