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Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD15,000 Deductible
信諾自願醫保系列－靈活計劃（優越） - 普通病房 - 15,000 港元自付費
CIGNA Worldwide General Insurance Company Limited · F00016-07-000 · 5 versions · Flexi plan · Avg. annual increase +3.91%
| Age | F00016-07-000-01 2022-01-27 | F00016-07-000-01 2022-04-01 | F00016-07-000-02 2023-07-01 | F00016-07-000-02 2024-07-01 | F00016-07-000-03 2025-07-01 | Avg. annual increase |
|---|---|---|---|---|---|---|
| 0 | HK$5,398 | HK$5,398 | HK$5,398 | HK$5,668 (+5.0%) | HK$6,094 (+7.5%) | +2.87% |
| 5 | HK$4,216 | HK$4,216 | HK$4,216 | HK$4,427 (+5.0%) | HK$4,699 (+6.1%) | +2.56% |
| 10 | HK$3,701 | HK$3,701 | HK$3,701 | HK$3,886 (+5.0%) | HK$4,068 (+4.7%) | +2.23% |
| 15 | HK$3,188 | HK$3,188 | HK$3,188 | HK$3,347 (+5.0%) | HK$3,508 (+4.8%) | +2.26% |
| 20 | HK$3,528 | HK$3,528 | HK$3,528 | HK$3,592 (+1.8%) | HK$3,796 (+5.7%) | +1.72% |
| 25 | HK$4,004 | HK$4,004 | HK$4,004 | HK$4,004 | HK$4,294 (+7.2%) | +1.65% |
| 30 | HK$4,546 | HK$4,546 | HK$4,546 | HK$4,546 | HK$4,928 (+8.4%) | +1.90% |
| 35 | HK$5,163 | HK$5,163 | HK$5,163 | HK$5,163 | HK$5,620 (+8.9%) | +2.00% |
| 40 | HK$5,884 | HK$5,884 | HK$5,884 | HK$5,884 | HK$6,413 (+9.0%) | +2.03% |
| 45 | HK$7,259 | HK$7,259 | HK$7,259 | HK$7,259 | HK$7,909 (+9.0%) | +2.02% |
| 50 | HK$8,989 | HK$8,989 | HK$8,989 | HK$8,989 | HK$9,836 (+9.4%) | +2.12% |
| 55 | HK$11,418 | HK$11,418 | HK$11,418 | HK$12,097 (+5.9%) | HK$13,191 (+9.0%) | +3.43% |
| 60 | HK$14,504 | HK$14,504 | HK$14,504 | HK$16,706 (+15.2%) | HK$18,136 (+8.6%) | +5.35% |
| 65 | HK$18,423 | HK$18,423 | HK$18,423 | HK$23,444 (+27.3%) | HK$25,426 (+8.5%) | +7.81% |
| 70 | HK$23,400 | HK$23,400 | HK$23,400 | HK$30,289 (+29.4%) | HK$32,859 (+8.5%) | +8.25% |
| 75 | HK$29,724 | HK$29,724 | HK$29,724 | HK$38,557 (+29.7%) | HK$42,086 (+9.2%) | +8.45% |
| 80 | HK$37,755 | HK$37,755 | HK$37,755 | HK$49,082 (+30.0%) | HK$53,611 (+9.2%) | +8.53% |
| 85 | HK$46,824 | HK$46,824 | HK$46,824 | HK$54,982 (+17.4%) | HK$60,194 (+9.5%) | +6.04% |
| 90 | HK$58,073 | HK$58,073 | HK$58,073 | HK$60,977 (+5.0%) | HK$66,406 (+8.9%) | +3.18% |
| 95 | HK$72,023 | HK$72,023 | HK$72,023 | HK$75,624 (+5.0%) | HK$81,533 (+7.8%) | +2.94% |
| 99 | HK$85,561 | HK$85,561 | HK$85,561 | HK$89,839 (+5.0%) | HK$96,208 (+7.1%) | +2.78% |
| All ages average | — | 0.0% | 0.0% | +9.1% | +7.9% | — |
0 y/oHK$5,398
5 y/oHK$4,216
10 y/oHK$3,701
15 y/oHK$3,188
20 y/oHK$3,528
25 y/oHK$4,004
30 y/oHK$4,546
35 y/oHK$5,163
40 y/oHK$5,884
45 y/oHK$7,259
50 y/oHK$8,989
55 y/oHK$11,418
60 y/oHK$14,504
65 y/oHK$18,423
70 y/oHK$23,400
75 y/oHK$29,724
80 y/oHK$37,755
85 y/oHK$46,824
90 y/oHK$58,073
95 y/oHK$72,023
99 y/oHK$85,561
0.0%
All-ages avg
0 y/oHK$5,398
5 y/oHK$4,216
10 y/oHK$3,701
15 y/oHK$3,188
20 y/oHK$3,528
25 y/oHK$4,004
30 y/oHK$4,546
35 y/oHK$5,163
40 y/oHK$5,884
45 y/oHK$7,259
50 y/oHK$8,989
55 y/oHK$11,418
60 y/oHK$14,504
65 y/oHK$18,423
70 y/oHK$23,400
75 y/oHK$29,724
80 y/oHK$37,755
85 y/oHK$46,824
90 y/oHK$58,073
95 y/oHK$72,023
99 y/oHK$85,561
0.0%
All-ages avg
0 y/oHK$5,398
5 y/oHK$4,216
10 y/oHK$3,701
15 y/oHK$3,188
20 y/oHK$3,528
25 y/oHK$4,004
30 y/oHK$4,546
35 y/oHK$5,163
40 y/oHK$5,884
45 y/oHK$7,259
50 y/oHK$8,989
55 y/oHK$11,418
60 y/oHK$14,504
65 y/oHK$18,423
70 y/oHK$23,400
75 y/oHK$29,724
80 y/oHK$37,755
85 y/oHK$46,824
90 y/oHK$58,073
95 y/oHK$72,023
99 y/oHK$85,561
+9.1%
All-ages avg
0 y/oHK$5,668 (+5.0%)
5 y/oHK$4,427 (+5.0%)
10 y/oHK$3,886 (+5.0%)
15 y/oHK$3,347 (+5.0%)
20 y/oHK$3,592 (+1.8%)
25 y/oHK$4,004
30 y/oHK$4,546
35 y/oHK$5,163
40 y/oHK$5,884
45 y/oHK$7,259
50 y/oHK$8,989
55 y/oHK$12,097 (+5.9%)
60 y/oHK$16,706 (+15.2%)
65 y/oHK$23,444 (+27.3%)
70 y/oHK$30,289 (+29.4%)
75 y/oHK$38,557 (+29.7%)
80 y/oHK$49,082 (+30.0%)
85 y/oHK$54,982 (+17.4%)
90 y/oHK$60,977 (+5.0%)
95 y/oHK$75,624 (+5.0%)
99 y/oHK$89,839 (+5.0%)
+7.9%
All-ages avg
0 y/oHK$6,094 (+7.5%)
5 y/oHK$4,699 (+6.1%)
10 y/oHK$4,068 (+4.7%)
15 y/oHK$3,508 (+4.8%)
20 y/oHK$3,796 (+5.7%)
25 y/oHK$4,294 (+7.2%)
30 y/oHK$4,928 (+8.4%)
35 y/oHK$5,620 (+8.9%)
40 y/oHK$6,413 (+9.0%)
45 y/oHK$7,909 (+9.0%)
50 y/oHK$9,836 (+9.4%)
55 y/oHK$13,191 (+9.0%)
60 y/oHK$18,136 (+8.6%)
65 y/oHK$25,426 (+8.5%)
70 y/oHK$32,859 (+8.5%)
75 y/oHK$42,086 (+9.2%)
80 y/oHK$53,611 (+9.2%)
85 y/oHK$60,194 (+9.5%)
90 y/oHK$66,406 (+8.9%)
95 y/oHK$81,533 (+7.8%)
99 y/oHK$96,208 (+7.1%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+2.87%
5 y/o+2.56%
10 y/o+2.23%
15 y/o+2.26%
20 y/o+1.72%
25 y/o+1.65%
30 y/o+1.90%
35 y/o+2.00%
40 y/o+2.03%
45 y/o+2.02%
50 y/o+2.12%
55 y/o+3.43%
60 y/o+5.35%
65 y/o+7.81%
70 y/o+8.25%
75 y/o+8.45%
80 y/o+8.53%
85 y/o+6.04%
90 y/o+3.18%
95 y/o+2.94%
99 y/o+2.78%
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.