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 Hong Kong / Macau / Mainland China: Semi-Private Room; Other covered locations: Standard Private Room, Asia incl. AU/NZ coverage and HK$30,000,000 annual benefit limit. Latest plan-document version: Jul 1, 2026.
01 · Plan options
8 options — premiums differ; deductible, ward class or cover may also differPlan option
Semi-Private Room - HKD0 Deductible
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$16,150 /yr
View details →
Plan option
Standard Ward - HKD0 Deductible
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$10,859 /yr
View details →
Plan option
Semi-Private Room - HKD15,000 Deductible
Deductible 15,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,390 /yr
View details →
Plan option
Standard Ward - HKD15,000 Deductible
Deductible 15,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,160 /yr
View details →
Plan option
Semi-Private Room - HKD25,000 Deductible
Deductible 25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,039 /yr
View details →
Plan option
Standard Ward - HKD25,000 Deductible
Deductible 25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,403 /yr
View details →
Plan option
Semi-Private Room - HKD50,000 Deductible
Deductible 50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,528 /yr
View details →
Plan option
Semi-Private Room - HKD75,000 Deductible
Deductible 75,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,109 /yr
View details →
02 · Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Semi-Private Room - HKD0 DeductibleDeductible HKD 0 deductible | HK$16,313 | HK$10,705 | HK$11,628 | HK$16,150 | HK$20,648 | HK$32,898 | HK$53,933 | HK$94,772 | HK$129,779 |
| Standard Ward - HKD0 DeductibleDeductible HKD 0 deductible | HK$12,365 | HK$8,292 | HK$7,933 | HK$10,859 | HK$14,672 | HK$21,830 | HK$37,103 | HK$65,118 | HK$99,584 |
| Semi-Private Room - HKD15,000 DeductibleDeductible 15,000 HKD deductible | HK$8,515 | HK$5,662 | HK$5,266 | HK$7,390 | HK$9,522 | HK$15,128 | HK$25,522 | HK$48,732 | HK$77,551 |
| Standard Ward - HKD15,000 DeductibleDeductible 15,000 HKD deductible | HK$6,457 | HK$4,237 | HK$3,951 | HK$5,160 | HK$6,794 | HK$10,475 | HK$18,926 | HK$34,201 | HK$55,908 |
| Semi-Private Room - HKD25,000 DeductibleDeductible 25,000 HKD deductible | HK$7,392 | HK$4,871 | HK$4,563 | HK$6,039 | HK$7,686 | HK$12,413 | HK$20,911 | HK$41,459 | HK$67,061 |
| Standard Ward - HKD25,000 DeductibleDeductible 25,000 HKD deductible | HK$5,506 | HK$3,634 | HK$3,384 | HK$4,403 | HK$6,096 | HK$9,119 | HK$15,819 | HK$29,729 | HK$48,566 |
| Semi-Private Room - HKD50,000 DeductibleDeductible 50,000 HKD deductible | HK$6,005 | HK$4,070 | HK$4,109 | HK$5,528 | HK$7,270 | HK$11,162 | HK$19,863 | HK$35,882 | HK$58,284 |
| Semi-Private Room - HKD75,000 DeductibleDeductible 75,000 HKD deductible | HK$5,071 | HK$3,387 | HK$3,481 | HK$4,109 | HK$6,009 | HK$9,542 | HK$16,625 | HK$30,076 | HK$48,522 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Semi-Private Room - HKD0 DeductibleDeductible HKD 0 deductible | HK$16,313 | HK$10,705 | HK$11,628 | HK$16,150 | HK$20,648 | HK$32,898 | HK$53,933 | HK$94,772 | HK$129,779 |
| Standard Ward - HKD0 DeductibleDeductible HKD 0 deductible | HK$12,365 | HK$8,292 | HK$7,933 | HK$10,859 | HK$14,672 | HK$21,830 | HK$37,103 | HK$65,118 | HK$99,584 |
| Semi-Private Room - HKD15,000 DeductibleDeductible 15,000 HKD deductible | HK$8,515 | HK$5,662 | HK$5,266 | HK$7,390 | HK$9,522 | HK$15,128 | HK$25,522 | HK$48,732 | HK$77,551 |
| Standard Ward - HKD15,000 DeductibleDeductible 15,000 HKD deductible | HK$6,457 | HK$4,237 | HK$3,951 | HK$5,160 | HK$6,794 | HK$10,475 | HK$18,926 | HK$34,201 | HK$55,908 |
| Semi-Private Room - HKD25,000 DeductibleDeductible 25,000 HKD deductible | HK$7,392 | HK$4,871 | HK$4,563 | HK$6,039 | HK$7,686 | HK$12,413 | HK$20,911 | HK$41,459 | HK$67,061 |
| Standard Ward - HKD25,000 DeductibleDeductible 25,000 HKD deductible | HK$5,506 | HK$3,634 | HK$3,384 | HK$4,403 | HK$6,096 | HK$9,119 | HK$15,819 | HK$29,729 | HK$48,566 |
| Semi-Private Room - HKD50,000 DeductibleDeductible 50,000 HKD deductible | HK$6,005 | HK$4,070 | HK$4,109 | HK$5,528 | HK$7,270 | HK$11,162 | HK$19,863 | HK$35,882 | HK$58,284 |
| Semi-Private Room - HKD75,000 DeductibleDeductible 75,000 HKD deductible | HK$5,071 | HK$3,387 | HK$3,481 | HK$4,109 | HK$6,009 | HK$9,542 | HK$16,625 | HK$30,076 | HK$48,522 |
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 →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)
This site's licensed insurance agent can only arrange FWD plans.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jul 1, 2026
- Plan data updated
- 2026-07-07