Cathay crew
Balance, claims and CMT
The airline-specific half of the card guide. Screen names and menu paths below follow the Cathay portal — if you fly for someone else the sequence is much the same, but the labels will not match, so read how cards work instead and use your own portal.
Finding your balance
Physiotherapy and imaging are separate lines with separate balances. Two minutes here saves you booking something you cannot cover.
Hub → “Flexible Benefits” → Medical Members Portal
Separate login from the Hub itself.
Open My Claim Statement
Not Schedule of Benefits — that one downloads a PDF of what you are entitled to, which is a different question from what you have left.
Pick the person, then Outpatient
Employee and spouse have their own buttons and their own balances.
Read the Annual Summary table
One row per benefit, six columns across. The three rows that matter to you are below.
What the six columns mean
The three rows to look at
Other rows you will see: GP Consultation, SP Consultation, HK Gov’t Hospital OPD / AE, Private Hospital Outpatient Department, Psychiatric Outpatient Treatment, Consultation and Medication, Medical Evaluation & Others. Several of them share one pooled limit, which is why GP and specialist visits eat into the same money as your physiotherapy. VIEW DETAIL on any row opens the individual claims behind it.
Claiming a physiotherapy session
For cabin crew, flight crew and ground employees. The wording below follows one common portal layout; other airlines arrange the same steps differently, so treat it as the shape of the task rather than exact screen names.
Open the Hub and search “Flexible Benefits”
Your entry point, whichever crew group you are in.
Go to the Medical Members Portal
Separate login required. This is the only place with your real numbers.
Check how much you have left
Your physiotherapy quota runs to 31 December. Investigations — X-ray, CT, blood, MRI — are held in a separate pool, so a big scan does not have to eat your treatment budget.
Claim Submission → Outpatient Physiotherapy
Choose the outpatient physiotherapy category. Out of panel, expect to be reimbursed a proportion of what you paid rather than the whole amount — your own plan states the share.
Under HK$2,000 goes through electronically
No paper, no posting. A single session sits under this threshold.
Attach two photos
Your receipt, and your referral letter. Take both before you leave the clinic — chasing them later is what stalls most claims.
Provider name
Our company name or your physiotherapist’s name — both are accepted.
The CMT programme
Complementary Therapies. A separate benefit, a separate pot, and a separate way of claiming — most crew never touch it because nobody explains it.
It does not share your physiotherapy money
Complementary Therapies (CMT) sits on its own row of your Annual Summary with its own Annual Limit and its own Balance. Spending your physiotherapy line does not touch it, and spending CMT does not touch physiotherapy. If one row is empty, the other may not be — check both before you assume you are out of cover.
The therapies in the CMT family
From the treatment list on the claim form itself:
The same dropdown also carries items that are not therapies at all — preventive screening, vaccination, eye check, glasses, medical supplies, smoking cessation. Those draw on other lines of your statement, not the CMT one, so check the Balance column rather than assuming.
Two ways to claim it
Claim online, as normal
Same e-form as any other claim, with one change: set Claim type to Complementary Therapy CMT rather than Local Outpatient. Pick the matching treatment code, attach your receipt, done.
Use the paper form
Buying a course of sessions as a package? That has its own form — CMT Benefits (Packaged Services) Claim Form, under Download Forms in the portal. It cannot be done through the normal e-form.
What the packaged form asks for
Your details, and the patient’s
Employee name and ERN, patient name and ERN. If the patient is your spouse, both sets are needed.
The package maths
Total amount claimed, number of sessions in the package, and the cost per session. They must agree with each other — a package that does not divide cleanly is the most common reason these come back.
Every session dated and chopped
The form carries a session grid. Each session gets its service date and the provider’s chop or signature. Get it chopped as you go — chasing fifteen signatures at the end is how these forms die.
Practitioner details, then sign
Put Aviator Group Limited as the practitioner, with Suite 3711, Hong Kong Plaza, 188 Connaught Road West, Sai Wan and 5599 6679. Then your own signature and the submission date. All of it is ready to copy on the practice run page.
The rest of the card guide
Everything on this page is Cathay-specific. The parts that apply whoever you fly for live next door.
How medical cards work
Per case vs annual limit, direct billing vs pay-and-claim, and the two questions worth asking any clinic.
Pay & claim practice run
Rehearse the form itself, with the fixed answers ready to copy.