Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD0 Deductible

信諾自願醫保系列－靈活計劃（優越） - 半私家病房 - 0 港元自付費

CIGNA Worldwide General Insurance Company Limited

Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD0 Deductible is a VHIS Flexi plan offered by CIGNA Worldwide General Insurance Company Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage, HK$30,000,000 annual benefit limit and no deductible (HK$0). Latest plan-document version: Jul 1, 2026.

Your premium

HK$16,150 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

Annual benefit limit

HK$30,000,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

—

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	No monetary capR&C
(b) Miscellaneous charges (b) 雜項開支	No monetary capR&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	No monetary capR&C
(d) Specialist's fee (d) 專科醫生費	No monetary capR&C
(e) Intensive care (e) 深切治療	No monetary capR&C
Surgeon's fee — Minor 外科醫生費 — 小型	No monetary capR&C
Surgeon's fee — Intermediate 外科醫生費 — 中型	No monetary capR&C
Surgeon's fee — Major 外科醫生費 — 大型	No monetary capR&C
Surgeon's fee — Complex 外科醫生費 — 複雜	No monetary capR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	No monetary capR&C
(h) Operating theatre charges (h) 手術室費	No monetary capR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	No monetary capR&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	No monetary capR&C
(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	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)R&C
(l) Psychiatric treatments (l) 精神科治療	No monetary capR&C
Extra Benefits
Outpatient kidney dialysis 門診腎透析	No monetary capR&C
Daily post-surgery home nursing benefit 出院後家中看護	$1,000 per day, maximum 90 days per Policy Year
Hospital companion bed fee reimbursement 陪伴床位費	No monetary capR&C
Emergency outpatient treatment for Accident 意外急症門診護理	No monetary cap (within 24 hours of the Accident)R&C
Emergency dental benefit (Accident only) 意外急症牙齒治療	No monetary cap (within 2 weeks of the Accident)R&C
Cancer / cardiac / stroke rehabilitation benefit 復康治療	$80,000 per Policy Year, maximum 60 days per Policy Year
Cash Benefits
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$1,500 per day, maximum 30 days per Policy Year
Lower ward class cash benefit 入住香港私家醫院較低級別病房之住院現金	$1,000 per day, maximum 30 days per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
No monetary capR&C
(b) Miscellaneous charges
(b) 雜項開支
No monetary capR&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
No monetary capR&C
(d) Specialist's fee
(d) 專科醫生費
No monetary capR&C
(e) Intensive care
(e) 深切治療
No monetary capR&C
Surgeon's fee — Minor
外科醫生費 — 小型
No monetary capR&C
Surgeon's fee — Intermediate
外科醫生費 — 中型
No monetary capR&C
Surgeon's fee — Major
外科醫生費 — 大型
No monetary capR&C
Surgeon's fee — Complex
外科醫生費 — 複雜
No monetary capR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
No monetary capR&C
(h) Operating theatre charges
(h) 手術室費
No monetary capR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
No monetary capR&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
No monetary capR&C
(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
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)R&C
(l) Psychiatric treatments
(l) 精神科治療
No monetary capR&C

Extra Benefits

Outpatient kidney dialysis
門診腎透析
No monetary capR&C
Daily post-surgery home nursing benefit
出院後家中看護
$1,000 per day, maximum 90 days per Policy Year
Hospital companion bed fee reimbursement
陪伴床位費
No monetary capR&C
Emergency outpatient treatment for Accident
意外急症門診護理
No monetary cap (within 24 hours of the Accident)R&C
Emergency dental benefit (Accident only)
意外急症牙齒治療
No monetary cap (within 2 weeks of the Accident)R&C
Cancer / cardiac / stroke rehabilitation benefit
復康治療
$80,000 per Policy Year, maximum 60 days per Policy Year

Cash Benefits

Second-claim cash allowanceAfter other pays
第二索償現金津貼
$1,500 per day, maximum 30 days per Policy Year
Lower ward class cash benefit
入住香港私家醫院較低級別病房之住院現金
$1,000 per day, maximum 30 days per Policy Year

Premium Schedule

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

Age	Non-smoker	Smoker
0	HK$16,313	HK$16,313
1	HK$14,723	HK$14,723
2	HK$13,133	HK$13,133
3	HK$12,980	HK$12,980
4	HK$12,826	HK$12,826
5	HK$12,399	HK$12,399
6	HK$11,973	HK$11,973
7	HK$11,546	HK$11,546
8	HK$11,214	HK$11,214
9	HK$10,885	HK$10,885
10	HK$10,705	HK$10,705
11	HK$10,640	HK$10,640
12	HK$10,594	HK$10,594
13	HK$10,296	HK$10,296
14	HK$10,018	HK$10,018
15	HK$10,178	HK$10,178
16	HK$10,442	HK$10,442
17	HK$10,705	HK$10,705
18	HK$11,033	HK$13,240
19	HK$11,328	HK$13,594
20	HK$11,628	HK$13,952
21	HK$11,935	HK$14,322
22	HK$12,366	HK$14,840
23	HK$12,859	HK$15,431
24	HK$13,366	HK$16,040
25	HK$13,761	HK$16,513
26	HK$14,408	HK$17,290
27	HK$15,241	HK$18,290
28	HK$15,705	HK$18,847
29	HK$15,926	HK$19,110
30	HK$16,150	HK$19,380
31	HK$16,574	HK$19,888
32	HK$17,005	HK$20,404
33	HK$17,444	HK$20,933
34	HK$17,894	HK$21,473
35	HK$18,349	HK$22,019
36	HK$19,080	HK$22,896
37	HK$19,653	HK$23,585
38	HK$20,166	HK$24,200
39	HK$20,358	HK$24,430
40	HK$20,648	HK$24,778
41	HK$21,779	HK$26,134
42	HK$22,657	HK$27,189
43	HK$23,634	HK$28,360
44	HK$24,638	HK$29,567
45	HK$25,720	HK$30,865
46	HK$27,161	HK$32,593
47	HK$28,292	HK$33,949
48	HK$29,767	HK$35,720
49	HK$31,301	HK$37,562
50	HK$32,898	HK$39,477
51	HK$34,611	HK$41,534
52	HK$36,400	HK$43,681
53	HK$38,252	HK$45,902
54	HK$40,005	HK$48,006
55	HK$41,635	HK$49,962
56	HK$43,945	HK$52,734
57	HK$46,466	HK$55,759
58	HK$48,779	HK$58,534
59	HK$51,340	HK$61,607
60	HK$53,933	HK$64,719
61	HK$56,537	HK$67,845
62	HK$59,248	HK$71,098
63	HK$64,848	HK$77,819
64	HK$70,886	HK$85,062
65	HK$74,431	HK$89,318
66	HK$78,120	HK$93,745
67	HK$81,957	HK$98,348
68	HK$86,058	HK$103,269
69	HK$90,329	HK$108,394
70	HK$94,772	HK$113,725
71	HK$98,165	HK$117,799
72	HK$101,653	HK$121,983
73	HK$106,085	HK$127,301
74	HK$110,611	HK$132,733
75	HK$115,239	HK$138,288
76	HK$118,525	HK$142,230
77	HK$121,844	HK$146,214
78	HK$124,455	HK$149,347
79	HK$127,102	HK$152,521
80	HK$129,779	HK$155,734
81	HK$133,205	HK$159,847
82	HK$137,265	HK$164,719
83	HK$141,187	HK$169,425
84	HK$146,159	HK$175,391
85	HK$151,279	HK$181,535
86	HK$156,182	HK$187,419
87	HK$161,243	HK$193,491
88	HK$166,467	HK$199,760
89	HK$171,861	HK$206,234
90	HK$177,431	HK$212,917
91	HK$183,181	HK$219,819
92	HK$189,116	HK$226,939
93	HK$195,245	HK$234,295
94	HK$201,575	HK$241,890
95	HK$208,109	HK$249,731
96	HK$214,855	HK$257,826
97	HK$221,821	HK$266,186
98	HK$229,011	HK$274,813
99	HK$236,857	HK$284,229

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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
Last verified: 2026-07-07