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CIGNA Worldwide General Insurance Company Limited — same-insurer plan comparison

CIGNA Worldwide General Insurance Company Limited · 4 plan series (10 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

4/4

Cigna VHIS Series - Standard Plan

信諾自願醫保系列－標準計劃

Ver. Jul 1, 2025

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00031-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Cigna VHIS Series - Flexi Plan (SMM) - Flexi Plan SMM

信諾自願醫保系列－靈活計劃（附加保障） - 靈活計劃(附加保障)

Ver. Jul 1, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00012-01-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$1,000,000
Per-illness limit: —
SMM Supplemental Major Medical: $150,000 · 10% co-insurance

Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward

信諾自願醫保系列－靈活計劃（優越） - 普通病房

Ver. Jul 1, 2025

Score71/100

FlexiCat 3Ward: WardRegion: Asia

VHIS Cert. No.: F00016-06-000-03Benefits PDF Premiums PDF
F00016-07-000-03Benefits PDF Premiums PDF
F00016-08-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$5,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$15K$25K

Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room

信諾自願醫保系列－靈活計劃（優越） - 半私家病房

Ver. Jul 1, 2025

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00016-01-000-05Benefits PDF Premiums PDF
F00016-02-000-05Benefits PDF Premiums PDF
F00016-03-000-05Benefits PDF Premiums PDF
F00016-04-000-05Benefits PDF Premiums PDF
F00016-05-000-04Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$30,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$15K$25K$50K$75K

計劃名稱

Cigna VHIS Series - Standard Plan

信諾自願醫保系列－標準計劃

Cat 1

Ver. Jul 1, 2025

VHIS Cert. No.

S00031-01-000-02Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee — Minor

$5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable

(h) Operating theatre charges

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Extra Benefits Extra

Outpatient kidney dialysis

—

Daily post-surgery home nursing benefit

—

Emergency outpatient treatment for Accident

—

Emergency dental benefit (Accident only)

—

Hospital companion bed fee reimbursement

—

Cash Benefits Cash

Second-claim cash allowance

—

Event Benefits Event

Compassionate death benefit

$8,800

計劃 1 / 4

信諾自願醫保系列－標準計劃

Cigna VHIS Series - Standard Plan

標準Cat 1Ver. Jul 1, 2025保障評分 59/100

VHIS 認可編號: S00031-01-000-02
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: —
家中看護: —
意外急症門診治療費用賠償: —
意外牙科治療: —
住院陪床: —

現金保障 Cash

第二索償現金津貼: —

事件保障 Event

恩恤身故賠償: $8,800

計劃 2 / 4

信諾自願醫保系列－靈活計劃（附加保障） - 靈活計劃(附加保障)

Cigna VHIS Series - Flexi Plan (SMM) - Flexi Plan SMM

靈活Cat 1Ver. Jul 1, 2025保障評分 65/100

VHIS 認可編號: F00012-01-000-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$1,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $150,000 · 10% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,200 per day, maximum 270 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $1,200 per day, maximum 270 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 90 days per Policy Year
(f) 外科醫生費 — 小型: $ 8,750
(f) 外科醫生費 — 中型: $17,500
(f) 外科醫生費 — 大型: $35,000
(f) 外科醫生費 — 複雜: $70,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,000 per visit, up to $15,000 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: $30,000 per Policy Year
家中看護: $700 per day, maximum 15 days per Policy Year
意外急症門診治療費用賠償: —
意外牙科治療: —
住院陪床: —

現金保障 Cash

第二索償現金津貼: —

事件保障 Event

恩恤身故賠償: —

計劃 3 / 4

信諾自願醫保系列－靈活計劃（優越） - 普通病房

Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward

靈活Cat 3Ver. Jul 1, 2025保障評分 71/100 (49–71)

VHIS 認可編號: F00016-06-000-03F00016-07-000-03F00016-08-000-03
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 普通病房 Ward
每年賠償限額: HK$5,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $15K / $25K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費 — 小型: Full reimbursement
(f) 外科醫生費 — 中型: Full reimbursement
(f) 外科醫生費 — 大型: Full reimbursement
(f) 外科醫生費 — 複雜: Full reimbursement
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: No monetary cap • 1 outpatient visit or Emergency consultation more than 30 days before each Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 30 days before each Confinement/Day Case Procedure; and • All follow-up outpatient visits after each Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(l) 精神科治療: Full reimbursement

額外保障 Extra

門診洗腎: Full reimbursement
家中看護: $800
意外急症門診治療費用賠償: Full reimbursement
意外牙科治療: Full reimbursement
住院陪床: Full reimbursement

現金保障 Cash

第二索償現金津貼: $800

事件保障 Event

恩恤身故賠償: —

計劃 4 / 4

信諾自願醫保系列－靈活計劃（優越） - 半私家病房

Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room

靈活Cat 3Ver. Jul 1, 2025保障評分 88/100 (17–88)

VHIS 認可編號: F00016-01-000-05F00016-02-000-05F00016-03-000-05F00016-04-000-05F00016-05-000-04
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$30,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $15K / $25K / $50K / $75K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費 — 小型: Full reimbursement
(f) 外科醫生費 — 中型: Full reimbursement
(f) 外科醫生費 — 大型: Full reimbursement
(f) 外科醫生費 — 複雜: Full reimbursement
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: No monetary cap • 1 outpatient visit or Emergency consultation more than 30 days before each Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 30 days before each Confinement/Day Case Procedure; and • All follow-up outpatient visits after each Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(l) 精神科治療: Full reimbursement

額外保障 Extra

門診洗腎: Full reimbursement
家中看護: $1,000
意外急症門診治療費用賠償: Full reimbursement
意外牙科治療: Full reimbursement
住院陪床: Full reimbursement

現金保障 Cash

第二索償現金津貼: $800

事件保障 Event

恩恤身故賠償: —