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Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD15,000 Deductible
信諾自願醫保系列－靈活計劃（優越） - 半私家病房 - 15,000 港元自付費
CIGNA Worldwide General Insurance Company Limited · F00016-02-000 · 7 versions · Flexi plan · Avg. annual increase +4.55%
| Age | F00016-02-000-01 2019-04-01 | F00016-02-000-02 2021-03-24 | F00016-02-000-03 2022-01-27 | F00016-02-000-03 2022-04-01 | F00016-02-000-04 2023-07-01 | F00016-02-000-04 2024-07-01 | F00016-02-000-05 2025-07-01 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$6,306 | HK$6,306 | HK$6,306 | HK$6,747 (+7.0%) | HK$6,848 (+1.5%) | HK$7,190 (+5.0%) | HK$7,915 (+10.1%) | +3.25% |
| 5 | HK$4,925 | HK$4,925 | HK$4,925 | HK$5,270 (+7.0%) | HK$5,349 (+1.5%) | HK$5,616 (+5.0%) | HK$6,075 (+8.2%) | +3.00% |
| 10 | HK$4,324 | HK$4,324 | HK$4,324 | HK$4,627 (+7.0%) | HK$4,696 (+1.5%) | HK$4,931 (+5.0%) | HK$5,284 (+7.2%) | +2.86% |
| 15 | HK$3,724 | HK$3,724 | HK$3,724 | HK$3,985 (+7.0%) | HK$4,045 (+1.5%) | HK$4,301 (+6.3%) | HK$4,609 (+7.2%) | +3.04% |
| 20 | HK$4,121 | HK$4,121 | HK$4,121 | HK$4,409 (+7.0%) | HK$4,497 (+2.0%) | HK$4,570 (+1.6%) | HK$4,915 (+7.5%) | +2.51% |
| 25 | HK$4,678 | HK$4,678 | HK$4,678 | HK$5,005 (+7.0%) | HK$5,130 (+2.5%) | HK$5,611 (+9.4%) | HK$6,125 (+9.2%) | +3.86% |
| 30 | HK$5,311 | HK$5,311 | HK$5,311 | HK$5,683 (+7.0%) | HK$5,910 (+4.0%) | HK$6,464 (+9.4%) | HK$7,146 (+10.6%) | +4.26% |
| 35 | HK$6,031 | HK$6,031 | HK$6,031 | HK$6,453 (+7.0%) | HK$6,711 (+4.0%) | HK$7,047 (+5.0%) | HK$7,852 (+11.4%) | +3.78% |
| 40 | HK$6,874 | HK$6,874 | HK$6,874 | HK$7,355 (+7.0%) | HK$7,598 (+3.3%) | HK$8,114 (+6.8%) | HK$9,048 (+11.5%) | +3.94% |
| 45 | HK$8,480 | HK$8,480 | HK$8,480 | HK$9,074 (+7.0%) | HK$9,437 (+4.0%) | HK$9,996 (+5.9%) | HK$11,137 (+11.4%) | +3.91% |
| 50 | HK$10,501 | HK$10,501 | HK$10,501 | HK$11,236 (+7.0%) | HK$11,798 (+5.0%) | HK$12,424 (+5.3%) | HK$13,910 (+12.0%) | +4.03% |
| 55 | HK$13,339 | HK$13,339 | HK$13,339 | HK$14,273 (+7.0%) | HK$15,315 (+7.3%) | HK$16,081 (+5.0%) | HK$17,968 (+11.7%) | +4.28% |
| 60 | HK$16,944 | HK$16,944 | HK$16,944 | HK$18,130 (+7.0%) | HK$20,088 (+10.8%) | HK$21,305 (+6.1%) | HK$23,729 (+11.4%) | +4.85% |
| 65 | HK$21,522 | HK$21,522 | HK$21,522 | HK$23,029 (+7.0%) | HK$26,368 (+14.5%) | HK$32,960 (+25.0%) | HK$36,415 (+10.5%) | +7.68% |
| 70 | HK$27,337 | HK$27,337 | HK$27,337 | HK$29,251 (+7.0%) | HK$33,492 (+14.5%) | HK$41,149 (+22.9%) | HK$45,573 (+10.8%) | +7.45% |
| 75 | HK$34,724 | HK$34,724 | HK$34,724 | HK$37,155 (+7.0%) | HK$42,542 (+14.5%) | HK$53,178 (+25.0%) | HK$59,290 (+11.5%) | +7.81% |
| 80 | HK$44,106 | HK$44,106 | HK$44,106 | HK$47,193 (+7.0%) | HK$53,717 (+13.8%) | HK$64,542 (+20.2%) | HK$72,269 (+12.0%) | +7.19% |
| 85 | HK$54,701 | HK$54,701 | HK$54,701 | HK$58,530 (+7.0%) | HK$64,646 (+10.4%) | HK$71,567 (+10.7%) | HK$80,443 (+12.4%) | +5.57% |
| 90 | HK$67,842 | HK$67,842 | HK$67,842 | HK$72,591 (+7.0%) | HK$77,727 (+7.1%) | HK$81,613 (+5.0%) | HK$90,906 (+11.4%) | +4.20% |
| 95 | HK$84,139 | HK$84,139 | HK$84,139 | HK$90,029 (+7.0%) | HK$93,360 (+3.7%) | HK$98,028 (+5.0%) | HK$107,963 (+10.1%) | +3.57% |
| 99 | HK$99,954 | HK$99,954 | HK$99,954 | HK$106,951 (+7.0%) | HK$108,021 (+1.0%) | HK$113,422 (+5.0%) | HK$123,951 (+9.3%) | +3.07% |
| All ages average | — | 0.0% | 0.0% | +7.0% | +6.1% | +9.3% | +10.3% | — |
0 y/oHK$6,306
5 y/oHK$4,925
10 y/oHK$4,324
15 y/oHK$3,724
20 y/oHK$4,121
25 y/oHK$4,678
30 y/oHK$5,311
35 y/oHK$6,031
40 y/oHK$6,874
45 y/oHK$8,480
50 y/oHK$10,501
55 y/oHK$13,339
60 y/oHK$16,944
65 y/oHK$21,522
70 y/oHK$27,337
75 y/oHK$34,724
80 y/oHK$44,106
85 y/oHK$54,701
90 y/oHK$67,842
95 y/oHK$84,139
99 y/oHK$99,954
0.0%
All-ages avg
0 y/oHK$6,306
5 y/oHK$4,925
10 y/oHK$4,324
15 y/oHK$3,724
20 y/oHK$4,121
25 y/oHK$4,678
30 y/oHK$5,311
35 y/oHK$6,031
40 y/oHK$6,874
45 y/oHK$8,480
50 y/oHK$10,501
55 y/oHK$13,339
60 y/oHK$16,944
65 y/oHK$21,522
70 y/oHK$27,337
75 y/oHK$34,724
80 y/oHK$44,106
85 y/oHK$54,701
90 y/oHK$67,842
95 y/oHK$84,139
99 y/oHK$99,954
0.0%
All-ages avg
0 y/oHK$6,306
5 y/oHK$4,925
10 y/oHK$4,324
15 y/oHK$3,724
20 y/oHK$4,121
25 y/oHK$4,678
30 y/oHK$5,311
35 y/oHK$6,031
40 y/oHK$6,874
45 y/oHK$8,480
50 y/oHK$10,501
55 y/oHK$13,339
60 y/oHK$16,944
65 y/oHK$21,522
70 y/oHK$27,337
75 y/oHK$34,724
80 y/oHK$44,106
85 y/oHK$54,701
90 y/oHK$67,842
95 y/oHK$84,139
99 y/oHK$99,954
+7.0%
All-ages avg
0 y/oHK$6,747 (+7.0%)
5 y/oHK$5,270 (+7.0%)
10 y/oHK$4,627 (+7.0%)
15 y/oHK$3,985 (+7.0%)
20 y/oHK$4,409 (+7.0%)
25 y/oHK$5,005 (+7.0%)
30 y/oHK$5,683 (+7.0%)
35 y/oHK$6,453 (+7.0%)
40 y/oHK$7,355 (+7.0%)
45 y/oHK$9,074 (+7.0%)
50 y/oHK$11,236 (+7.0%)
55 y/oHK$14,273 (+7.0%)
60 y/oHK$18,130 (+7.0%)
65 y/oHK$23,029 (+7.0%)
70 y/oHK$29,251 (+7.0%)
75 y/oHK$37,155 (+7.0%)
80 y/oHK$47,193 (+7.0%)
85 y/oHK$58,530 (+7.0%)
90 y/oHK$72,591 (+7.0%)
95 y/oHK$90,029 (+7.0%)
99 y/oHK$106,951 (+7.0%)
+6.1%
All-ages avg
0 y/oHK$6,848 (+1.5%)
5 y/oHK$5,349 (+1.5%)
10 y/oHK$4,696 (+1.5%)
15 y/oHK$4,045 (+1.5%)
20 y/oHK$4,497 (+2.0%)
25 y/oHK$5,130 (+2.5%)
30 y/oHK$5,910 (+4.0%)
35 y/oHK$6,711 (+4.0%)
40 y/oHK$7,598 (+3.3%)
45 y/oHK$9,437 (+4.0%)
50 y/oHK$11,798 (+5.0%)
55 y/oHK$15,315 (+7.3%)
60 y/oHK$20,088 (+10.8%)
65 y/oHK$26,368 (+14.5%)
70 y/oHK$33,492 (+14.5%)
75 y/oHK$42,542 (+14.5%)
80 y/oHK$53,717 (+13.8%)
85 y/oHK$64,646 (+10.4%)
90 y/oHK$77,727 (+7.1%)
95 y/oHK$93,360 (+3.7%)
99 y/oHK$108,021 (+1.0%)
+9.3%
All-ages avg
0 y/oHK$7,190 (+5.0%)
5 y/oHK$5,616 (+5.0%)
10 y/oHK$4,931 (+5.0%)
15 y/oHK$4,301 (+6.3%)
20 y/oHK$4,570 (+1.6%)
25 y/oHK$5,611 (+9.4%)
30 y/oHK$6,464 (+9.4%)
35 y/oHK$7,047 (+5.0%)
40 y/oHK$8,114 (+6.8%)
45 y/oHK$9,996 (+5.9%)
50 y/oHK$12,424 (+5.3%)
55 y/oHK$16,081 (+5.0%)
60 y/oHK$21,305 (+6.1%)
65 y/oHK$32,960 (+25.0%)
70 y/oHK$41,149 (+22.9%)
75 y/oHK$53,178 (+25.0%)
80 y/oHK$64,542 (+20.2%)
85 y/oHK$71,567 (+10.7%)
90 y/oHK$81,613 (+5.0%)
95 y/oHK$98,028 (+5.0%)
99 y/oHK$113,422 (+5.0%)
+10.3%
All-ages avg
0 y/oHK$7,915 (+10.1%)
5 y/oHK$6,075 (+8.2%)
10 y/oHK$5,284 (+7.2%)
15 y/oHK$4,609 (+7.2%)
20 y/oHK$4,915 (+7.5%)
25 y/oHK$6,125 (+9.2%)
30 y/oHK$7,146 (+10.6%)
35 y/oHK$7,852 (+11.4%)
40 y/oHK$9,048 (+11.5%)
45 y/oHK$11,137 (+11.4%)
50 y/oHK$13,910 (+12.0%)
55 y/oHK$17,968 (+11.7%)
60 y/oHK$23,729 (+11.4%)
65 y/oHK$36,415 (+10.5%)
70 y/oHK$45,573 (+10.8%)
75 y/oHK$59,290 (+11.5%)
80 y/oHK$72,269 (+12.0%)
85 y/oHK$80,443 (+12.4%)
90 y/oHK$90,906 (+11.4%)
95 y/oHK$107,963 (+10.1%)
99 y/oHK$123,951 (+9.3%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+3.25%
5 y/o+3.00%
10 y/o+2.86%
15 y/o+3.04%
20 y/o+2.51%
25 y/o+3.86%
30 y/o+4.26%
35 y/o+3.78%
40 y/o+3.94%
45 y/o+3.91%
50 y/o+4.03%
55 y/o+4.28%
60 y/o+4.85%
65 y/o+7.68%
70 y/o+7.45%
75 y/o+7.81%
80 y/o+7.19%
85 y/o+5.57%
90 y/o+4.20%
95 y/o+3.57%
99 y/o+3.07%
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.