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

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Your premium

HK$5,725 /yr

age

Ward class

Ward

Coverage region

Worldwide

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
Daily post-surgery home nursing benefit 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
Daily post-surgery home nursing benefit
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$6,281	HK$6,281
1	HK$6,281	HK$6,281
2	HK$6,281	HK$6,281
3	HK$6,281	HK$6,281
4	HK$6,281	HK$6,281
5	HK$4,187	HK$4,187
6	HK$4,187	HK$4,187
7	HK$4,187	HK$4,187
8	HK$4,187	HK$4,187
9	HK$4,187	HK$4,187
10	HK$4,187	HK$4,187
11	HK$4,187	HK$4,187
12	HK$4,187	HK$4,187
13	HK$4,187	HK$4,187
14	HK$4,187	HK$4,187
15	HK$4,187	HK$4,187
16	HK$4,187	HK$4,187
17	HK$4,187	HK$4,187
18	HK$4,449	HK$5,184
19	HK$4,449	HK$5,184
20	HK$4,530	HK$5,278
21	HK$4,588	HK$5,345
22	HK$4,650	HK$5,419
23	HK$4,771	HK$5,559
24	HK$4,888	HK$5,695
25	HK$5,008	HK$5,834
26	HK$5,129	HK$5,976
27	HK$5,255	HK$6,123
28	HK$5,382	HK$6,270
29	HK$5,513	HK$6,423
30	HK$5,725	HK$6,667
31	HK$5,865	HK$6,832
32	HK$6,009	HK$6,997
33	HK$6,155	HK$7,170
34	HK$6,305	HK$7,343
35	HK$6,423	HK$7,481
36	HK$6,442	HK$7,503
37	HK$6,521	HK$7,596
38	HK$6,686	HK$7,786
39	HK$6,830	HK$7,954
40	HK$7,169	HK$8,346
41	HK$7,430	HK$8,652
42	HK$7,702	HK$8,966
43	HK$7,984	HK$9,296
44	HK$8,275	HK$9,636
45	HK$8,661	HK$10,080
46	HK$8,977	HK$10,449
47	HK$9,305	HK$10,830
48	HK$9,645	HK$11,226
49	HK$9,998	HK$11,636
50	HK$10,559	HK$12,285
51	HK$11,024	HK$12,824
52	HK$11,508	HK$13,389
53	HK$12,015	HK$13,975
54	HK$12,544	HK$14,592
55	HK$13,397	HK$15,575
56	HK$14,015	HK$16,293
57	HK$14,659	HK$17,041
58	HK$15,333	HK$17,827
59	HK$16,037	HK$18,646
60	HK$17,003	HK$19,761
61	HK$17,818	HK$20,708
62	HK$18,674	HK$21,703
63	HK$19,570	HK$22,744
64	HK$20,509	HK$23,835
65	HK$21,494	HK$24,978
66	HK$22,568	HK$26,227
67	HK$23,698	HK$27,541
68	HK$24,882	HK$28,917
69	HK$26,125	HK$30,365
70	HK$27,431	HK$31,879
71	HK$28,858	HK$33,539
72	HK$30,358	HK$35,282
73	HK$31,936	HK$37,117
74	HK$33,597	HK$39,048
75	HK$35,344	HK$41,077
76	HK$37,252	HK$43,296
77	HK$39,265	HK$45,631
78	HK$41,385	HK$48,096
79	HK$43,619	HK$50,694
80	HK$45,974	HK$53,430
81	HK$46,432	HK$53,966
82	HK$46,899	HK$54,504
83	HK$47,367	HK$55,050
84	HK$47,839	HK$55,599
85	HK$48,319	HK$56,157
86	HK$48,802	HK$56,717
87	HK$49,289	HK$57,284
88	HK$49,782	HK$57,858
89	HK$50,280	HK$58,437
90	HK$50,782	HK$59,020
91	HK$51,291	HK$59,611
92	HK$51,804	HK$60,207
93	HK$52,323	HK$60,809
94	HK$52,846	HK$61,417
95	HK$53,375	HK$62,032
96	HK$53,910	HK$62,651
97	HK$54,448	HK$63,281
98	HK$54,991	HK$63,911
99	HK$55,541	HK$64,550

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jul 1, 2025
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.