Cigna VHIS Series - Flexi Plan (SMM)

信諾自願醫保系列－靈活計劃（附加保障）

CIGNA Worldwide General Insurance Company Limited

Cigna VHIS Series - Flexi Plan (SMM) is a VHIS Flexi plan offered by CIGNA Worldwide General Insurance Company Limited, with basic and extra: No ward-class restriction; SMM: Ward, Worldwide (including United States) coverage and HK$1,000,000 annual benefit limit. Latest plan-document version: Jul 1, 2026.

01 · Plan at a glance

Quote a premium by age, gender and smoking status

Your premium

HK$6,126 /yr

age

Ward class

Basic and extra: No ward-class restriction; SMM: Ward

Coverage region

Worldwide (including United States)

Deductible

—

Annual benefit limit

HK$1,000,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$150,000／per policy year, 10% coinsurance

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$1,200 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,200 per day, maximum 270 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 8,750
Surgeon's fee — Intermediate 外科醫生費 — 中型	$17,500
Surgeon's fee — Major 外科醫生費 — 大型	$35,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$70,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (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) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎透析	$30,000 per Policy Year
Home nursing 出院後家中看護	$700 per day, maximum 15 days per Policy Year
Emergency outpatient treatment for Accident 意外急症門診護理	$6,600 per Policy Year, within 24 hours of the Accident
Emergency dental benefit (Accident only) 意外急症牙齒治療	$6,600 per Policy Year, within 2 weeks of the Accident
Hospital companion bed fee reimbursement 陪伴床位費	$450 per day (up to 270 days per Policy Year)

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,200 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,200 per day, maximum 270 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 8,750
Surgeon's fee — Intermediate
外科醫生費 — 中型
$17,500
Surgeon's fee — Major
外科醫生費 — 大型
$35,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$70,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(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) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎透析
$30,000 per Policy Year
Home nursing
出院後家中看護
$700 per day, maximum 15 days per Policy Year
Emergency outpatient treatment for Accident
意外急症門診護理
$6,600 per Policy Year, within 24 hours of the Accident
Emergency dental benefit (Accident only)
意外急症牙齒治療
$6,600 per Policy Year, within 2 weeks of the Accident
Hospital companion bed fee reimbursement
陪伴床位費
$450 per day (up to 270 days per Policy Year)

Premium Schedule

Annual premium · Premium varies by smoking (gender-agnostic) · HKD

Age	Non-smoker	Smoker
0	HK$6,721	HK$6,721
1	HK$6,721	HK$6,721
2	HK$6,721	HK$6,721
3	HK$6,721	HK$6,721
4	HK$6,721	HK$6,721
5	HK$4,480	HK$4,480
6	HK$4,480	HK$4,480
7	HK$4,480	HK$4,480
8	HK$4,480	HK$4,480
9	HK$4,480	HK$4,480
10	HK$4,480	HK$4,480
11	HK$4,480	HK$4,480
12	HK$4,480	HK$4,480
13	HK$4,480	HK$4,480
14	HK$4,480	HK$4,480
15	HK$4,480	HK$4,480
16	HK$4,480	HK$4,480
17	HK$4,480	HK$4,480
18	HK$4,760	HK$5,547
19	HK$4,760	HK$5,547
20	HK$4,847	HK$5,647
21	HK$4,909	HK$5,719
22	HK$4,976	HK$5,798
23	HK$5,105	HK$5,948
24	HK$5,230	HK$6,094
25	HK$5,359	HK$6,242
26	HK$5,488	HK$6,394
27	HK$5,623	HK$6,552
28	HK$5,759	HK$6,709
29	HK$5,899	HK$6,873
30	HK$6,126	HK$7,134
31	HK$6,276	HK$7,310
32	HK$6,430	HK$7,487
33	HK$6,586	HK$7,672
34	HK$6,746	HK$7,857
35	HK$6,873	HK$8,005
36	HK$6,893	HK$8,028
37	HK$6,977	HK$8,128
38	HK$7,154	HK$8,331
39	HK$7,308	HK$8,511
40	HK$7,671	HK$8,930
41	HK$7,950	HK$9,258
42	HK$8,241	HK$9,594
43	HK$8,543	HK$9,947
44	HK$8,854	HK$10,311
45	HK$9,267	HK$10,786
46	HK$9,605	HK$11,180
47	HK$9,956	HK$11,588
48	HK$10,320	HK$12,012
49	HK$10,698	HK$12,451
50	HK$11,298	HK$13,145
51	HK$11,796	HK$13,722
52	HK$12,314	HK$14,326
53	HK$12,856	HK$14,953
54	HK$13,422	HK$15,613
55	HK$14,335	HK$16,665
56	HK$14,996	HK$17,434
57	HK$15,685	HK$18,234
58	HK$16,406	HK$19,075
59	HK$17,160	HK$19,951
60	HK$18,193	HK$21,144
61	HK$19,065	HK$22,158
62	HK$19,981	HK$23,222
63	HK$20,940	HK$24,336
64	HK$21,945	HK$25,503
65	HK$22,999	HK$26,726
66	HK$24,148	HK$28,063
67	HK$25,357	HK$29,469
68	HK$26,624	HK$30,941
69	HK$27,954	HK$32,491
70	HK$29,351	HK$34,111
71	HK$30,878	HK$35,887
72	HK$32,483	HK$37,752
73	HK$34,172	HK$39,715
74	HK$35,949	HK$41,781
75	HK$37,818	HK$43,952
76	HK$39,860	HK$46,327
77	HK$42,014	HK$48,825
78	HK$44,282	HK$51,463
79	HK$46,672	HK$54,243
80	HK$49,192	HK$57,170
81	HK$49,682	HK$57,744
82	HK$50,182	HK$58,319
83	HK$50,683	HK$58,904
84	HK$51,188	HK$59,491
85	HK$51,701	HK$60,088
86	HK$52,218	HK$60,687
87	HK$52,739	HK$61,294
88	HK$53,267	HK$61,908
89	HK$53,800	HK$62,528
90	HK$54,337	HK$63,151
91	HK$54,881	HK$63,784
92	HK$55,430	HK$64,421
93	HK$55,986	HK$65,066
94	HK$56,545	HK$65,716
95	HK$57,111	HK$66,374
96	HK$57,684	HK$67,037
97	HK$58,259	HK$67,711
98	HK$58,840	HK$68,385
99	HK$59,429	HK$69,069

How to apply for this plan

This plan is offered by CIGNA Worldwide General Insurance Company Limited. To apply, contact CIGNA Worldwide General Insurance Company Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jul 1, 2026
Plan data updated: 2026-07-07

Cigna VHIS Series - Flexi Plan (SMM)

01 · Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款