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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)
CIGNA Worldwide General Insurance Company Limited · F00012-01-000 · 6 versions · Flexi plan · Avg. annual increase +5.02%
| Age | F00012-01-000-01 2019-04-01 | F00012-01-000-02 2021-03-24 | F00012-01-000-02 2022-04-01 | F00012-01-000-03 2023-07-01 | F00012-01-000-03 2024-07-01 | F00012-01-000-03 2025-07-01 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$4,676 | HK$4,676 | HK$5,003 (+7.0%) | HK$5,108 (+2.1%) | HK$5,790 (+13.4%) | HK$6,281 (+8.5%) | +4.27% |
| 5 | HK$3,117 | HK$3,117 | HK$3,335 (+7.0%) | HK$3,405 (+2.1%) | HK$3,860 (+13.4%) | HK$4,187 (+8.5%) | +4.27% |
| 10 | HK$3,117 | HK$3,117 | HK$3,335 (+7.0%) | HK$3,405 (+2.1%) | HK$3,860 (+13.4%) | HK$4,187 (+8.5%) | +4.27% |
| 15 | HK$3,117 | HK$3,117 | HK$3,335 (+7.0%) | HK$3,405 (+2.1%) | HK$3,860 (+13.4%) | HK$4,187 (+8.5%) | +4.27% |
| 20 | HK$3,372 | HK$3,372 | HK$3,608 (+7.0%) | HK$3,684 (+2.1%) | HK$4,176 (+13.4%) | HK$4,530 (+8.5%) | +4.27% |
| 25 | HK$3,727 | HK$3,727 | HK$3,988 (+7.0%) | HK$4,072 (+2.1%) | HK$4,616 (+13.4%) | HK$5,008 (+8.5%) | +4.27% |
| 30 | HK$4,204 | HK$4,204 | HK$4,498 (+7.0%) | HK$4,655 (+3.5%) | HK$5,277 (+13.4%) | HK$5,725 (+8.5%) | +4.47% |
| 35 | HK$4,716 | HK$4,716 | HK$5,046 (+7.0%) | HK$5,223 (+3.5%) | HK$5,921 (+13.4%) | HK$6,423 (+8.5%) | +4.47% |
| 40 | HK$5,188 | HK$5,188 | HK$5,551 (+7.0%) | HK$5,829 (+5.0%) | HK$6,608 (+13.4%) | HK$7,169 (+8.5%) | +4.69% |
| 45 | HK$6,209 | HK$6,209 | HK$6,644 (+7.0%) | HK$7,043 (+6.0%) | HK$7,984 (+13.4%) | HK$8,661 (+8.5%) | +4.82% |
| 50 | HK$7,430 | HK$7,430 | HK$7,950 (+7.0%) | HK$8,586 (+8.0%) | HK$9,733 (+13.4%) | HK$10,559 (+8.5%) | +5.10% |
| 55 | HK$9,214 | HK$9,214 | HK$9,859 (+7.0%) | HK$10,894 (+10.5%) | HK$12,349 (+13.4%) | HK$13,397 (+8.5%) | +5.44% |
| 60 | HK$11,537 | HK$11,537 | HK$12,345 (+7.0%) | HK$13,826 (+12.0%) | HK$15,673 (+13.4%) | HK$17,003 (+8.5%) | +5.64% |
| 65 | HK$14,584 | HK$14,584 | HK$15,605 (+7.0%) | HK$17,478 (+12.0%) | HK$19,813 (+13.4%) | HK$21,494 (+8.5%) | +5.64% |
| 70 | HK$18,613 | HK$18,613 | HK$19,916 (+7.0%) | HK$22,306 (+12.0%) | HK$25,286 (+13.4%) | HK$27,431 (+8.5%) | +5.64% |
| 75 | HK$23,982 | HK$23,982 | HK$25,661 (+7.0%) | HK$28,740 (+12.0%) | HK$32,580 (+13.4%) | HK$35,344 (+8.5%) | +5.64% |
| 80 | HK$31,195 | HK$31,195 | HK$33,379 (+7.0%) | HK$37,384 (+12.0%) | HK$42,379 (+13.4%) | HK$45,974 (+8.5%) | +5.64% |
| 85 | HK$32,786 | HK$32,786 | HK$35,081 (+7.0%) | HK$39,291 (+12.0%) | HK$44,540 (+13.4%) | HK$48,319 (+8.5%) | +5.64% |
| 90 | HK$34,458 | HK$34,458 | HK$36,870 (+7.0%) | HK$41,294 (+12.0%) | HK$46,811 (+13.4%) | HK$50,782 (+8.5%) | +5.64% |
| 95 | HK$36,217 | HK$36,217 | HK$38,752 (+7.0%) | HK$43,402 (+12.0%) | HK$49,201 (+13.4%) | HK$53,375 (+8.5%) | +5.64% |
| 99 | HK$37,687 | HK$37,687 | HK$40,325 (+7.0%) | HK$45,164 (+12.0%) | HK$51,198 (+13.4%) | HK$55,541 (+8.5%) | +5.64% |
| All ages average | — | 0.0% | +7.0% | +7.5% | +13.4% | +8.5% | — |
0 y/oHK$4,676
5 y/oHK$3,117
10 y/oHK$3,117
15 y/oHK$3,117
20 y/oHK$3,372
25 y/oHK$3,727
30 y/oHK$4,204
35 y/oHK$4,716
40 y/oHK$5,188
45 y/oHK$6,209
50 y/oHK$7,430
55 y/oHK$9,214
60 y/oHK$11,537
65 y/oHK$14,584
70 y/oHK$18,613
75 y/oHK$23,982
80 y/oHK$31,195
85 y/oHK$32,786
90 y/oHK$34,458
95 y/oHK$36,217
99 y/oHK$37,687
0.0%
All-ages avg
0 y/oHK$4,676
5 y/oHK$3,117
10 y/oHK$3,117
15 y/oHK$3,117
20 y/oHK$3,372
25 y/oHK$3,727
30 y/oHK$4,204
35 y/oHK$4,716
40 y/oHK$5,188
45 y/oHK$6,209
50 y/oHK$7,430
55 y/oHK$9,214
60 y/oHK$11,537
65 y/oHK$14,584
70 y/oHK$18,613
75 y/oHK$23,982
80 y/oHK$31,195
85 y/oHK$32,786
90 y/oHK$34,458
95 y/oHK$36,217
99 y/oHK$37,687
+7.0%
All-ages avg
0 y/oHK$5,003 (+7.0%)
5 y/oHK$3,335 (+7.0%)
10 y/oHK$3,335 (+7.0%)
15 y/oHK$3,335 (+7.0%)
20 y/oHK$3,608 (+7.0%)
25 y/oHK$3,988 (+7.0%)
30 y/oHK$4,498 (+7.0%)
35 y/oHK$5,046 (+7.0%)
40 y/oHK$5,551 (+7.0%)
45 y/oHK$6,644 (+7.0%)
50 y/oHK$7,950 (+7.0%)
55 y/oHK$9,859 (+7.0%)
60 y/oHK$12,345 (+7.0%)
65 y/oHK$15,605 (+7.0%)
70 y/oHK$19,916 (+7.0%)
75 y/oHK$25,661 (+7.0%)
80 y/oHK$33,379 (+7.0%)
85 y/oHK$35,081 (+7.0%)
90 y/oHK$36,870 (+7.0%)
95 y/oHK$38,752 (+7.0%)
99 y/oHK$40,325 (+7.0%)
+7.5%
All-ages avg
0 y/oHK$5,108 (+2.1%)
5 y/oHK$3,405 (+2.1%)
10 y/oHK$3,405 (+2.1%)
15 y/oHK$3,405 (+2.1%)
20 y/oHK$3,684 (+2.1%)
25 y/oHK$4,072 (+2.1%)
30 y/oHK$4,655 (+3.5%)
35 y/oHK$5,223 (+3.5%)
40 y/oHK$5,829 (+5.0%)
45 y/oHK$7,043 (+6.0%)
50 y/oHK$8,586 (+8.0%)
55 y/oHK$10,894 (+10.5%)
60 y/oHK$13,826 (+12.0%)
65 y/oHK$17,478 (+12.0%)
70 y/oHK$22,306 (+12.0%)
75 y/oHK$28,740 (+12.0%)
80 y/oHK$37,384 (+12.0%)
85 y/oHK$39,291 (+12.0%)
90 y/oHK$41,294 (+12.0%)
95 y/oHK$43,402 (+12.0%)
99 y/oHK$45,164 (+12.0%)
+13.4%
All-ages avg
0 y/oHK$5,790 (+13.4%)
5 y/oHK$3,860 (+13.4%)
10 y/oHK$3,860 (+13.4%)
15 y/oHK$3,860 (+13.4%)
20 y/oHK$4,176 (+13.4%)
25 y/oHK$4,616 (+13.4%)
30 y/oHK$5,277 (+13.4%)
35 y/oHK$5,921 (+13.4%)
40 y/oHK$6,608 (+13.4%)
45 y/oHK$7,984 (+13.4%)
50 y/oHK$9,733 (+13.4%)
55 y/oHK$12,349 (+13.4%)
60 y/oHK$15,673 (+13.4%)
65 y/oHK$19,813 (+13.4%)
70 y/oHK$25,286 (+13.4%)
75 y/oHK$32,580 (+13.4%)
80 y/oHK$42,379 (+13.4%)
85 y/oHK$44,540 (+13.4%)
90 y/oHK$46,811 (+13.4%)
95 y/oHK$49,201 (+13.4%)
99 y/oHK$51,198 (+13.4%)
+8.5%
All-ages avg
0 y/oHK$6,281 (+8.5%)
5 y/oHK$4,187 (+8.5%)
10 y/oHK$4,187 (+8.5%)
15 y/oHK$4,187 (+8.5%)
20 y/oHK$4,530 (+8.5%)
25 y/oHK$5,008 (+8.5%)
30 y/oHK$5,725 (+8.5%)
35 y/oHK$6,423 (+8.5%)
40 y/oHK$7,169 (+8.5%)
45 y/oHK$8,661 (+8.5%)
50 y/oHK$10,559 (+8.5%)
55 y/oHK$13,397 (+8.5%)
60 y/oHK$17,003 (+8.5%)
65 y/oHK$21,494 (+8.5%)
70 y/oHK$27,431 (+8.5%)
75 y/oHK$35,344 (+8.5%)
80 y/oHK$45,974 (+8.5%)
85 y/oHK$48,319 (+8.5%)
90 y/oHK$50,782 (+8.5%)
95 y/oHK$53,375 (+8.5%)
99 y/oHK$55,541 (+8.5%)
年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-04-27
0 y/o+4.27%
5 y/o+4.27%
10 y/o+4.27%
15 y/o+4.27%
20 y/o+4.27%
25 y/o+4.27%
30 y/o+4.47%
35 y/o+4.47%
40 y/o+4.69%
45 y/o+4.82%
50 y/o+5.10%
55 y/o+5.44%
60 y/o+5.64%
65 y/o+5.64%
70 y/o+5.64%
75 y/o+5.64%
80 y/o+5.64%
85 y/o+5.64%
90 y/o+5.64%
95 y/o+5.64%
99 y/o+5.64%
格仔顯示保費金額，括號內為相對上一個版本嘅百分比變化。首個版本只顯示基準保費。年均加幅使用複息公式（最新/最早 ^ (1/years) − 1），年期＝今日減最早版本日期。計算至 2026-04-27 · as of 2026-04-27