Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD15,000 Deductible

信諾自願醫保系列－靈活計劃（優越） - 半私家病房 - 15,000 港元自付費

CIGNA Worldwide General Insurance Company Limited

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Your premium

HK$7,146 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$15,000

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$7,915	HK$7,915
1	HK$7,129	HK$7,129
2	HK$6,343	HK$6,343
3	HK$6,301	HK$6,301
4	HK$6,259	HK$6,259
5	HK$6,075	HK$6,075
6	HK$5,891	HK$5,891
7	HK$5,724	HK$5,724
8	HK$5,577	HK$5,577
9	HK$5,430	HK$5,430
10	HK$5,284	HK$5,284
11	HK$5,136	HK$5,136
12	HK$4,992	HK$4,992
13	HK$4,844	HK$4,844
14	HK$4,698	HK$4,698
15	HK$4,609	HK$4,609
16	HK$4,609	HK$4,609
17	HK$4,640	HK$4,640
18	HK$4,665	HK$5,598
19	HK$4,855	HK$5,825
20	HK$4,915	HK$5,898
21	HK$4,974	HK$5,969
22	HK$5,191	HK$6,229
23	HK$5,329	HK$6,394
24	HK$5,884	HK$7,061
25	HK$6,125	HK$7,350
26	HK$6,310	HK$7,572
27	HK$6,497	HK$7,797
28	HK$6,676	HK$8,011
29	HK$6,864	HK$8,237
30	HK$7,146	HK$8,576
31	HK$7,257	HK$8,708
32	HK$7,390	HK$8,868
33	HK$7,520	HK$9,024
34	HK$7,721	HK$9,264
35	HK$7,852	HK$9,422
36	HK$8,059	HK$9,671
37	HK$8,270	HK$9,924
38	HK$8,486	HK$10,182
39	HK$8,773	HK$10,527
40	HK$9,048	HK$10,857
41	HK$9,579	HK$11,495
42	HK$9,806	HK$11,767
43	HK$10,258	HK$12,310
44	HK$10,606	HK$12,728
45	HK$11,137	HK$13,364
46	HK$11,711	HK$14,052
47	HK$12,372	HK$14,846
48	HK$12,948	HK$15,538
49	HK$13,515	HK$16,219
50	HK$13,910	HK$16,691
51	HK$15,023	HK$18,027
52	HK$15,405	HK$18,486
53	HK$16,219	HK$19,463
54	HK$16,915	HK$20,297
55	HK$17,968	HK$21,562
56	HK$18,833	HK$22,600
57	HK$19,784	HK$23,741
58	HK$20,953	HK$25,144
59	HK$22,450	HK$26,940
60	HK$23,729	HK$28,475
61	HK$25,554	HK$30,665
62	HK$27,817	HK$33,380
63	HK$30,791	HK$36,949
64	HK$33,620	HK$40,344
65	HK$36,415	HK$43,698
66	HK$38,237	HK$45,885
67	HK$40,141	HK$48,170
68	HK$42,106	HK$50,528
69	HK$44,143	HK$52,971
70	HK$45,573	HK$54,688
71	HK$48,564	HK$58,278
72	HK$50,920	HK$61,104
73	HK$53,593	HK$64,312
74	HK$56,381	HK$67,658
75	HK$59,290	HK$71,147
76	HK$62,323	HK$74,787
77	HK$65,490	HK$78,589
78	HK$68,639	HK$82,367
79	HK$70,886	HK$85,063
80	HK$72,269	HK$86,722
81	HK$74,137	HK$88,965
82	HK$76,415	HK$91,698
83	HK$77,668	HK$93,203
84	HK$79,332	HK$95,199
85	HK$80,443	HK$96,532
86	HK$81,673	HK$98,008
87	HK$82,893	HK$99,471
88	HK$84,887	HK$101,863
89	HK$87,844	HK$105,412
90	HK$90,906	HK$109,088
91	HK$94,080	HK$112,896
92	HK$97,369	HK$116,843
93	HK$100,776	HK$120,930
94	HK$104,306	HK$125,168
95	HK$107,963	HK$129,556
96	HK$111,752	HK$134,102
97	HK$115,675	HK$138,810
98	HK$119,740	HK$143,688
99	HK$123,951	HK$148,741

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$0

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HK$15K

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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.