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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, deductibles merged, sorted from basic to comprehensive)
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Highlights
VHIS cert no.
S00031-01-000-02Benefits PDFPremiums PDF
F00012-01-000-03Benefits PDFPremiums PDF
F00016-06-000-03Benefits PDFPremiums PDF
F00016-07-000-03Benefits PDFPremiums PDF
F00016-08-000-03Benefits PDFPremiums PDF
F00016-01-000-05Benefits PDFPremiums PDF
F00016-02-000-05Benefits PDFPremiums PDF
F00016-03-000-05Benefits PDFPremiums PDF
F00016-04-000-05Benefits PDFPremiums PDF
F00016-05-000-04Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Asia incl. AU/NZ
Asia incl. AU/NZ
Ward
N/A (capped)
Ward
Ward
Semi-Private Room
Lifetime limit
—
—
—
—
Annual limit
Per illness
—
—
—
—
SMM top-up
—
—
—
No-Claim Bonus
—
—
—
—
Deductible
—
—
Version
Jul 1, 2025
Jul 1, 2025
Jul 1, 2025
Jul 1, 2025
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 270 days per Policy Year
No monetary cap
No monetary cap
(b) Miscellaneous charges
$14,000 per Policy Year
$14,000 per Policy Year
No monetary cap
No monetary cap
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 270 days per Policy Year
No monetary cap
No monetary cap
(d) Specialist's fee
$4,300 per Policy Year
$4,300 per Policy Year
No monetary cap
No monetary cap
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 90 days per Policy Year
No monetary cap
No monetary cap
Surgeon's fee — Minor
$5,000
$ 8,750
No monetary cap
No monetary cap
Surgeon's fee — Intermediate
$12,500
$17,500
No monetary cap
No monetary cap
Surgeon's fee — Major
$25,000
$35,000
No monetary cap
No monetary cap
Surgeon's fee — Complex
$50,000
$70,000
No monetary cap
No monetary cap
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
No monetary cap
No monetary cap
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
No monetary cap
No monetary cap
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
No monetary cap
No monetary cap
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$80,000 per Policy Year
No monetary cap
No monetary cap
(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
$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)
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)
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) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
No monetary cap
No monetary cap
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
$6,600 per Policy Year, within 2 weeks of the Accident
No monetary cap (within 2 weeks of the Accident)
No monetary cap (within 2 weeks of the Accident)
Emergency outpatient treatment for Accident
—
$6,600 per Policy Year, within 24 hours of the Accident
No monetary cap (within 24 hours of the Accident)
No monetary cap (within 24 hours of the Accident)
Inpatient-related
Hospital companion bed fee reimbursement
—
$450 per day (up to 270 days per Policy Year)
No monetary cap
No monetary cap
Outpatient-related
Outpatient kidney dialysis
—
$30,000 per Policy Year
No monetary cap
No monetary cap
Daily post-surgery home nursing benefit
—
$700 per day, maximum 15 days per Policy Year
$800 per day, maximum 90 days per Policy Year
$1,000 per day, maximum 90 days per Policy Year
Cash Benefits Cash
Second-claim cash allowance
—
—
$800 per day, maximum 30 days per Policy Year
$800 per day, maximum 30 days per Policy Year
VHIS cert no.
S00031-01-000-02Benefits PDFPremiums PDF
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
—
No-Claim Bonus
—
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
(c) Attending doctor's visit fee
$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
Surgeon's fee — Minor
$5,000
Surgeon's fee — Intermediate
$12,500
Surgeon's fee — Major
$25,000
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
Accident-related
Emergency dental benefit (Accident only)
—
Emergency outpatient treatment for Accident
—
Inpatient-related
Hospital companion bed fee reimbursement
—
Outpatient-related
Outpatient kidney dialysis
—
Daily post-surgery home nursing benefit
—
Cash Benefits Cash
Second-claim cash allowanceAfter other pays
—
Plan 1 / 4
信諾自願醫保系列－標準計劃
Cigna VHIS Series - Standard Plan
Entry-level PickVer. Jul 1, 2025
- VHIS cert no.
- S00031-01-000-02
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 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
Extra Benefits Extra
- 門診洗腎
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 家中看護
- —
Cash Benefits Cash
- 第二索償現金津貼
- —
Plan 2 / 4
信諾自願醫保系列－靈活計劃（附加保障）
Cigna VHIS Series - Flexi Plan (SMM)
Step UpVer. Jul 1, 2025
- VHIS cert no.
- F00012-01-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$1,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$150,000／per policy year, 10% coinsurance
- Deductible Options
- —
Basic Benefits 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
- 外科醫生費 — 小型
- $ 8,750
- 外科醫生費 — 中型
- $17,500
- 外科醫生費 — 大型
- $35,000
- 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
Extra Benefits Extra
- 門診洗腎
- $30,000 per Policy Year
- 意外牙科治療
- $6,600 per Policy Year, within 2 weeks of the Accident
- 意外急症門診治療費用賠償
- $6,600 per Policy Year, within 24 hours of the Accident
- 住院陪床
- $450 per day (up to 270 days per Policy Year)
- 家中看護
- $700 per day, maximum 15 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- —
Plan 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
High-endVer. Jul 1, 2025
- VHIS cert no.
- F00016-06-000-03F00016-07-000-03F00016-08-000-03
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Ward
- Annual benefit limit
- HK$5,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $15K / $25K
Basic Benefits 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
- 外科醫生費 — 小型
- Full reimbursement
- 外科醫生費 — 中型
- Full reimbursement
- 外科醫生費 — 大型
- Full reimbursement
- 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
Extra Benefits Extra
- 門診洗腎
- Full reimbursement
- 意外牙科治療
- No monetary cap (within 2 weeks of the Accident)
- 意外急症門診治療費用賠償
- No monetary cap (within 24 hours of the Accident)
- 住院陪床
- Full reimbursement
- 家中看護
- $800 per day, maximum 90 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $800
Plan 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
High-endVer. Jul 1, 2025
- VHIS cert no.
- F00016-01-000-05F00016-02-000-05F00016-03-000-05F00016-04-000-05F00016-05-000-04
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$30,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $15K / $25K / $50K / $75K
Basic Benefits 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
- 外科醫生費 — 小型
- Full reimbursement
- 外科醫生費 — 中型
- Full reimbursement
- 外科醫生費 — 大型
- Full reimbursement
- 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
Extra Benefits Extra
- 門診洗腎
- Full reimbursement
- 意外牙科治療
- No monetary cap (within 2 weeks of the Accident)
- 意外急症門診治療費用賠償
- No monetary cap (within 24 hours of the Accident)
- 住院陪床
- Full reimbursement
- 家中看護
- $1,000 per day, maximum 90 days per Policy Year
Cash Benefits Cash
- 第二索償現金津貼
- $800