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CIGNA Worldwide General Insurance Company Limited · 4 plan series · 10 variants
CIGNA Worldwide General Insurance Company Limited offers 10 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 9 Flexi), covering Worldwide (including United States) and Asia incl. AU/NZ, across Ward, Semi-Private Room and No ward-class restriction (item limits apply) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Jul 1, 2026
信諾自願醫保系列－標準計劃
- VHIS cert no.
- S00031-01-000-02
- Plan Type
- Standard
- Main coverage region
- Worldwide (including United States)
- Ward class
- No ward-class restriction (item limits apply)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$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
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$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
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- —
- 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
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
$750 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$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
$30,000 per Policy Year
信諾自願醫保系列－靈活計劃（附加保障）
- VHIS cert no.
- F00012-01-000-03
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- HK$1,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$150,000 · Coinsurance 10% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,200 per day, maximum 270 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,200 per day, maximum 270 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 90 days per Policy Year
- 外科醫生費 — 小型
- HK$ 8,750
- 外科醫生費 — 中型
- HK$17,500
- 外科醫生費 — 大型
- HK$35,000
- 外科醫生費 — 複雜
- HK$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
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,000 per visit up to HK$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
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- —
- 門診洗腎
- HK$30,000 per Policy Year
- 意外牙科治療
- HK$6,600 per Policy Year, within 2 weeks of the Accident
- 意外急症門診治療費用賠償
- HK$6,600 per Policy Year, within 24 hours of the Accident
- 住院陪床
- HK$450 per day (up to 270 days per Policy Year)
- 家中看護
- HK$700 per day, maximum 15 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
No aggregate limit
HK$150,000／per policy year, 10% coinsurance
$1,200 per day, maximum 270 days per Policy Year
$14,000 per Policy Year
$1,200 per day, maximum 270 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 90 days per Policy Year
$ 8,750
$17,500
$35,000
$70,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$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)
$30,000 per Policy Year
$30,000 per Policy Year
$700 per day, maximum 15 days per Policy Year
$6,600 per Policy Year, within 24 hours of the Accident
$6,600 per Policy Year, within 2 weeks of the Accident
$450 per day (up to 270 days per Policy Year)
信諾自願醫保系列－靈活計劃（優越） - 普通病房
- VHIS cert no.
- F00016-06-000-04F00016-07-000-04F00016-08-000-04
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- Ward class
- Ward
- Annual benefit limit
- HK$5,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $15K / $25K
- Deductible reduction at specified ages
- 60, 65, 70, 75, 80, 85 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (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
- Full reimbursement 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 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
- 復康保障
- —
- 門診洗腎
- Full reimbursement
- 意外牙科治療
- Full reimbursementNo monetary cap (within 2 weeks of the Accident)
- 意外急症門診治療費用賠償
- Full reimbursementNo monetary cap (within 24 hours of the Accident)
- 住院陪床
- Full reimbursement
- 家中看護
- HK$800 per day, maximum 90 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $800
- 較低級別病房現金保障
- —
Once per lifetime · no fresh underwriting Apply within 31 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
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
No monetary cap
$800 per day, maximum 90 days per Policy Year
No monetary cap (within 24 hours of the Accident)
No monetary cap (within 2 weeks of the Accident)
No monetary cap
$800 per day, maximum 30 days per Policy Year
信諾自願醫保系列－靈活計劃（優越） - 半私家病房
- VHIS cert no.
- F00016-01-000-06F00016-02-000-06F00016-03-000-06F00016-04-000-06F00016-05-000-05
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$30,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $15K / $25K / $50K / $75K
- Deductible reduction at specified ages
- 60, 65, 70, 75, 80, 85 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (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
- Full reimbursement 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 All follow-up outpatient visits after each Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure) All follow-up outpatient visits after each surgery classified as Complex or Major under the Schedule of Surgical Procedures performed during Confinement (within 365 days after discharge from Hospital)
- (l) 精神科治療
- Full reimbursement
Extra Benefits
- 復康保障
- HK$80,000 per Policy Year, maximum 60 days per Policy Year
- 門診洗腎
- Full reimbursement
- 意外牙科治療
- Full reimbursementNo monetary cap (within 2 weeks of the Accident)
- 意外急症門診治療費用賠償
- Full reimbursementNo monetary cap (within 24 hours of the Accident)
- 住院陪床
- Full reimbursement
- 家中看護
- HK$1,000 per day, maximum 90 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $1,500
- 較低級別病房現金保障
- $1,000
Once per lifetime · no fresh underwriting Apply within 31 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
No monetary cap
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; • All follow-up outpatient visits after each Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure); and • All follow-up outpatient visits after each surgery classified as Complex or Major under the Schedule of Surgical Procedures performed during Confinement (within 365 days after discharge from Hospital)
No monetary cap
No monetary cap
$1,000 per day, maximum 90 days per Policy Year
No monetary cap (within 24 hours of the Accident)
No monetary cap (within 2 weeks of the Accident)
No monetary cap
$80,000 per Policy Year, maximum 60 days per Policy Year
$1,500 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.