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Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD0 Deductible
信諾自願醫保系列－靈活計劃（優越） - 半私家病房 - 0 港元自付費
CIGNA Worldwide General Insurance Company Limited · F00016-01-000 · 7 versions · Flexi plan · Avg. annual increase +6.85%
| Age | F00016-01-000-01 2019-04-01 | F00016-01-000-02 2021-03-24 | F00016-01-000-03 2022-01-27 | F00016-01-000-03 2022-04-01 | F00016-01-000-04 2023-07-01 | F00016-01-000-04 2024-07-01 | F00016-01-000-05 2025-07-01 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$10,171 | HK$10,171 | HK$10,171 | HK$11,188 (+10.0%) | HK$12,307 (+10.0%) | HK$12,922 (+5.0%) | HK$14,486 (+12.1%) | +5.10% |
| 5 | HK$7,943 | HK$7,943 | HK$7,943 | HK$8,737 (+10.0%) | HK$9,611 (+10.0%) | HK$10,092 (+5.0%) | HK$11,118 (+10.2%) | +4.84% |
| 10 | HK$6,974 | HK$6,974 | HK$6,974 | HK$7,671 (+10.0%) | HK$8,438 (+10.0%) | HK$8,998 (+6.6%) | HK$9,698 (+7.8%) | +4.75% |
| 15 | HK$6,006 | HK$6,006 | HK$6,006 | HK$6,607 (+10.0%) | HK$7,268 (+10.0%) | HK$8,586 (+18.1%) | HK$9,244 (+7.7%) | +6.25% |
| 20 | HK$6,646 | HK$6,646 | HK$6,646 | HK$7,311 (+10.0%) | HK$8,042 (+10.0%) | HK$9,747 (+21.2%) | HK$10,579 (+8.5%) | +6.76% |
| 25 | HK$7,546 | HK$7,546 | HK$7,546 | HK$8,301 (+10.0%) | HK$9,173 (+10.5%) | HK$11,334 (+23.6%) | HK$12,511 (+10.4%) | +7.37% |
| 30 | HK$8,566 | HK$8,566 | HK$8,566 | HK$9,423 (+10.0%) | HK$10,412 (+10.5%) | HK$13,098 (+25.8%) | HK$14,640 (+11.8%) | +7.83% |
| 35 | HK$9,728 | HK$9,728 | HK$9,728 | HK$10,701 (+10.0%) | HK$11,878 (+11.0%) | HK$14,716 (+23.9%) | HK$16,546 (+12.4%) | +7.76% |
| 40 | HK$11,088 | HK$11,088 | HK$11,088 | HK$12,197 (+10.0%) | HK$13,539 (+11.0%) | HK$16,408 (+21.2%) | HK$18,495 (+12.7%) | +7.46% |
| 45 | HK$13,678 | HK$13,678 | HK$13,678 | HK$15,046 (+10.0%) | HK$16,701 (+11.0%) | HK$19,848 (+18.8%) | HK$22,359 (+12.7%) | +7.16% |
| 50 | HK$16,937 | HK$16,937 | HK$16,937 | HK$18,631 (+10.0%) | HK$21,146 (+13.5%) | HK$25,312 (+19.7%) | HK$28,583 (+12.9%) | +7.64% |
| 55 | HK$21,514 | HK$21,514 | HK$21,514 | HK$23,665 (+10.0%) | HK$27,096 (+14.5%) | HK$32,120 (+18.5%) | HK$36,225 (+12.8%) | +7.60% |
| 60 | HK$27,327 | HK$27,327 | HK$27,327 | HK$30,060 (+10.0%) | HK$34,569 (+15.0%) | HK$41,971 (+21.4%) | HK$47,191 (+12.4%) | +7.99% |
| 65 | HK$34,711 | HK$34,711 | HK$34,711 | HK$38,182 (+10.0%) | HK$43,909 (+15.0%) | HK$58,684 (+33.6%) | HK$65,843 (+12.2%) | +9.42% |
| 70 | HK$44,091 | HK$44,091 | HK$44,091 | HK$48,500 (+10.0%) | HK$55,775 (+15.0%) | HK$74,566 (+33.7%) | HK$83,759 (+12.3%) | +9.44% |
| 75 | HK$56,004 | HK$56,004 | HK$56,004 | HK$61,604 (+10.0%) | HK$70,845 (+15.0%) | HK$87,989 (+24.2%) | HK$100,370 (+14.1%) | +8.55% |
| 80 | HK$71,138 | HK$71,138 | HK$71,138 | HK$78,252 (+10.0%) | HK$89,403 (+14.3%) | HK$96,360 (+7.8%) | HK$111,641 (+15.9%) | +6.54% |
| 85 | HK$88,228 | HK$88,228 | HK$88,228 | HK$97,051 (+10.0%) | HK$107,241 (+10.5%) | HK$112,603 (+5.0%) | HK$130,405 (+15.8%) | +5.65% |
| 90 | HK$109,423 | HK$109,423 | HK$109,423 | HK$120,365 (+10.0%) | HK$128,490 (+6.8%) | HK$134,915 (+5.0%) | HK$153,668 (+13.9%) | +4.89% |
| 95 | HK$135,711 | HK$135,711 | HK$135,711 | HK$149,282 (+10.0%) | HK$153,760 (+3.0%) | HK$161,448 (+5.0%) | HK$181,308 (+12.3%) | +4.16% |
| 99 | HK$161,219 | HK$161,219 | HK$161,219 | HK$177,341 (+10.0%) | HK$177,341 | HK$186,208 (+5.0%) | HK$207,082 (+11.2%) | +3.58% |
| All ages average | — | 0.0% | 0.0% | +10.0% | +10.8% | +16.6% | +12.0% | — |
0 y/oHK$10,171
5 y/oHK$7,943
10 y/oHK$6,974
15 y/oHK$6,006
20 y/oHK$6,646
25 y/oHK$7,546
30 y/oHK$8,566
35 y/oHK$9,728
40 y/oHK$11,088
45 y/oHK$13,678
50 y/oHK$16,937
55 y/oHK$21,514
60 y/oHK$27,327
65 y/oHK$34,711
70 y/oHK$44,091
75 y/oHK$56,004
80 y/oHK$71,138
85 y/oHK$88,228
90 y/oHK$109,423
95 y/oHK$135,711
99 y/oHK$161,219
0.0%
All-ages avg
0 y/oHK$10,171
5 y/oHK$7,943
10 y/oHK$6,974
15 y/oHK$6,006
20 y/oHK$6,646
25 y/oHK$7,546
30 y/oHK$8,566
35 y/oHK$9,728
40 y/oHK$11,088
45 y/oHK$13,678
50 y/oHK$16,937
55 y/oHK$21,514
60 y/oHK$27,327
65 y/oHK$34,711
70 y/oHK$44,091
75 y/oHK$56,004
80 y/oHK$71,138
85 y/oHK$88,228
90 y/oHK$109,423
95 y/oHK$135,711
99 y/oHK$161,219
0.0%
All-ages avg
0 y/oHK$10,171
5 y/oHK$7,943
10 y/oHK$6,974
15 y/oHK$6,006
20 y/oHK$6,646
25 y/oHK$7,546
30 y/oHK$8,566
35 y/oHK$9,728
40 y/oHK$11,088
45 y/oHK$13,678
50 y/oHK$16,937
55 y/oHK$21,514
60 y/oHK$27,327
65 y/oHK$34,711
70 y/oHK$44,091
75 y/oHK$56,004
80 y/oHK$71,138
85 y/oHK$88,228
90 y/oHK$109,423
95 y/oHK$135,711
99 y/oHK$161,219
+10.0%
All-ages avg
0 y/oHK$11,188 (+10.0%)
5 y/oHK$8,737 (+10.0%)
10 y/oHK$7,671 (+10.0%)
15 y/oHK$6,607 (+10.0%)
20 y/oHK$7,311 (+10.0%)
25 y/oHK$8,301 (+10.0%)
30 y/oHK$9,423 (+10.0%)
35 y/oHK$10,701 (+10.0%)
40 y/oHK$12,197 (+10.0%)
45 y/oHK$15,046 (+10.0%)
50 y/oHK$18,631 (+10.0%)
55 y/oHK$23,665 (+10.0%)
60 y/oHK$30,060 (+10.0%)
65 y/oHK$38,182 (+10.0%)
70 y/oHK$48,500 (+10.0%)
75 y/oHK$61,604 (+10.0%)
80 y/oHK$78,252 (+10.0%)
85 y/oHK$97,051 (+10.0%)
90 y/oHK$120,365 (+10.0%)
95 y/oHK$149,282 (+10.0%)
99 y/oHK$177,341 (+10.0%)
+10.8%
All-ages avg
0 y/oHK$12,307 (+10.0%)
5 y/oHK$9,611 (+10.0%)
10 y/oHK$8,438 (+10.0%)
15 y/oHK$7,268 (+10.0%)
20 y/oHK$8,042 (+10.0%)
25 y/oHK$9,173 (+10.5%)
30 y/oHK$10,412 (+10.5%)
35 y/oHK$11,878 (+11.0%)
40 y/oHK$13,539 (+11.0%)
45 y/oHK$16,701 (+11.0%)
50 y/oHK$21,146 (+13.5%)
55 y/oHK$27,096 (+14.5%)
60 y/oHK$34,569 (+15.0%)
65 y/oHK$43,909 (+15.0%)
70 y/oHK$55,775 (+15.0%)
75 y/oHK$70,845 (+15.0%)
80 y/oHK$89,403 (+14.3%)
85 y/oHK$107,241 (+10.5%)
90 y/oHK$128,490 (+6.8%)
95 y/oHK$153,760 (+3.0%)
99 y/oHK$177,341
+16.6%
All-ages avg
0 y/oHK$12,922 (+5.0%)
5 y/oHK$10,092 (+5.0%)
10 y/oHK$8,998 (+6.6%)
15 y/oHK$8,586 (+18.1%)
20 y/oHK$9,747 (+21.2%)
25 y/oHK$11,334 (+23.6%)
30 y/oHK$13,098 (+25.8%)
35 y/oHK$14,716 (+23.9%)
40 y/oHK$16,408 (+21.2%)
45 y/oHK$19,848 (+18.8%)
50 y/oHK$25,312 (+19.7%)
55 y/oHK$32,120 (+18.5%)
60 y/oHK$41,971 (+21.4%)
65 y/oHK$58,684 (+33.6%)
70 y/oHK$74,566 (+33.7%)
75 y/oHK$87,989 (+24.2%)
80 y/oHK$96,360 (+7.8%)
85 y/oHK$112,603 (+5.0%)
90 y/oHK$134,915 (+5.0%)
95 y/oHK$161,448 (+5.0%)
99 y/oHK$186,208 (+5.0%)
+12.0%
All-ages avg
0 y/oHK$14,486 (+12.1%)
5 y/oHK$11,118 (+10.2%)
10 y/oHK$9,698 (+7.8%)
15 y/oHK$9,244 (+7.7%)
20 y/oHK$10,579 (+8.5%)
25 y/oHK$12,511 (+10.4%)
30 y/oHK$14,640 (+11.8%)
35 y/oHK$16,546 (+12.4%)
40 y/oHK$18,495 (+12.7%)
45 y/oHK$22,359 (+12.7%)
50 y/oHK$28,583 (+12.9%)
55 y/oHK$36,225 (+12.8%)
60 y/oHK$47,191 (+12.4%)
65 y/oHK$65,843 (+12.2%)
70 y/oHK$83,759 (+12.3%)
75 y/oHK$100,370 (+14.1%)
80 y/oHK$111,641 (+15.9%)
85 y/oHK$130,405 (+15.8%)
90 y/oHK$153,668 (+13.9%)
95 y/oHK$181,308 (+12.3%)
99 y/oHK$207,082 (+11.2%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+5.10%
5 y/o+4.84%
10 y/o+4.75%
15 y/o+6.25%
20 y/o+6.76%
25 y/o+7.37%
30 y/o+7.83%
35 y/o+7.76%
40 y/o+7.46%
45 y/o+7.16%
50 y/o+7.64%
55 y/o+7.60%
60 y/o+7.99%
65 y/o+9.42%
70 y/o+9.44%
75 y/o+8.55%
80 y/o+6.54%
85 y/o+5.65%
90 y/o+4.89%
95 y/o+4.16%
99 y/o+3.58%
Each cell shows the premium amount, with the change vs. previous version in parentheses. The first version shows only the baseline premium. The average annual increase is a compound rate (latest / earliest)^(1/years) − 1, with years = today − earliest version date.· as of 2026-06-11
Default view shows 21 anchor ages (one every 5 years, plus 0 and 99) for a quick read of the inflation curve. The Avg. annual increase column on the right is always computed across all 100 ages regardless of toggle state.