VHIS Plan
Cigna VHIS Series - Flexi Plan (Superior) - S
信諾自願醫保系列－靈活計劃（優越）
CIGNA Worldwide General Insurance Company Limited·8 plan options
Cigna VHIS Series - Flexi Plan (Superior) - S is a VHIS Flexi plan offered by CIGNA Worldwide General Insurance Company Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage and HK$30,000,000 annual benefit limit. Latest plan-document version: Jul 1, 2026.
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$16,150 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$10,859 /yr
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Deductible
15,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,390 /yr
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Deductible
15,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,160 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,039 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,403 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,528 /yr
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Deductible
75,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,109 /yr
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Why so many deductible options?
The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.
Deductibles FAQ →- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jul 1, 2026
- Last verified
- 2026-07-07