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

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Your premium

HK$14,640 /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; and• All follow-up outpatient visits after each Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)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
Cash Benefits
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$800 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; and• All follow-up outpatient visits after each Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)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

Cash Benefits

Second-claim cash allowanceAfter other pays
第二索償現金津貼
$800 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$14,486	HK$14,486
1	HK$13,060	HK$13,060
2	HK$11,634	HK$11,634
3	HK$11,547	HK$11,547
4	HK$11,460	HK$11,460
5	HK$11,118	HK$11,118
6	HK$10,776	HK$10,776
7	HK$10,434	HK$10,434
8	HK$10,141	HK$10,141
9	HK$9,850	HK$9,850
10	HK$9,698	HK$9,698
11	HK$9,654	HK$9,654
12	HK$9,627	HK$9,627
13	HK$9,351	HK$9,351
14	HK$9,093	HK$9,093
15	HK$9,244	HK$9,244
16	HK$9,492	HK$9,492
17	HK$9,739	HK$9,739
18	HK$10,038	HK$12,046
19	HK$10,306	HK$12,368
20	HK$10,579	HK$12,694
21	HK$10,859	HK$13,030
22	HK$11,254	HK$13,505
23	HK$11,699	HK$14,039
24	HK$12,157	HK$14,589
25	HK$12,511	HK$15,013
26	HK$13,100	HK$15,720
27	HK$13,862	HK$16,635
28	HK$14,271	HK$17,126
29	HK$14,454	HK$17,344
30	HK$14,640	HK$17,568
31	HK$15,012	HK$18,014
32	HK$15,391	HK$18,468
33	HK$15,768	HK$18,921
34	HK$16,154	HK$19,385
35	HK$16,546	HK$19,855
36	HK$17,194	HK$20,633
37	HK$17,696	HK$21,236
38	HK$18,131	HK$21,758
39	HK$18,267	HK$21,921
40	HK$18,495	HK$22,194
41	HK$19,052	HK$22,862
42	HK$19,793	HK$23,752
43	HK$20,605	HK$24,726
44	HK$21,444	HK$25,734
45	HK$22,359	HK$26,831
46	HK$23,620	HK$28,344
47	HK$24,582	HK$29,497
48	HK$25,857	HK$31,028
49	HK$27,190	HK$32,628
50	HK$28,583	HK$34,299
51	HK$30,089	HK$36,107
52	HK$31,668	HK$38,002
53	HK$33,290	HK$39,948
54	HK$34,817	HK$41,780
55	HK$36,225	HK$43,470
56	HK$38,290	HK$45,948
57	HK$40,560	HK$48,671
58	HK$42,600	HK$51,119
59	HK$44,880	HK$53,855
60	HK$47,191	HK$56,629
61	HK$49,513	HK$59,416
62	HK$51,938	HK$62,326
63	HK$57,095	HK$68,515
64	HK$62,674	HK$75,208
65	HK$65,843	HK$79,012
66	HK$69,150	HK$82,981
67	HK$72,601	HK$87,121
68	HK$76,155	HK$91,386
69	HK$79,874	HK$95,848
70	HK$83,759	HK$100,510
71	HK$86,629	HK$103,955
72	HK$89,590	HK$107,507
73	HK$93,090	HK$111,707
74	HK$96,681	HK$116,017
75	HK$100,370	HK$120,445
76	HK$102,762	HK$123,314
77	HK$105,186	HK$126,224
78	HK$107,305	HK$128,766
79	HK$109,458	HK$131,349
80	HK$111,641	HK$133,969
81	HK$114,549	HK$137,459
82	HK$118,069	HK$141,684
83	HK$121,456	HK$145,748
84	HK$125,859	HK$151,031
85	HK$130,405	HK$156,486
86	HK$134,741	HK$161,689
87	HK$139,229	HK$167,075
88	HK$143,876	HK$172,651
89	HK$148,687	HK$178,425
90	HK$153,668	HK$184,401
91	HK$158,823	HK$190,589
92	HK$164,157	HK$196,988
93	HK$169,679	HK$203,615
94	HK$175,395	HK$210,474
95	HK$181,308	HK$217,570
96	HK$187,427	HK$224,912
97	HK$193,758	HK$232,510
98	HK$200,306	HK$240,367
99	HK$207,082	HK$248,499

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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: 2026-04-18

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.