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

Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD15,000 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 HK$15,000 deductible. Latest plan-document version: Jul 1, 2026.

Your premium

HK$7,390 /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;• 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$8,515	HK$8,515
1	HK$7,688	HK$7,688
2	HK$6,879	HK$6,879
3	HK$6,775	HK$6,775
4	HK$6,725	HK$6,725
5	HK$6,522	HK$6,522
6	HK$6,320	HK$6,320
7	HK$6,136	HK$6,136
8	HK$5,978	HK$5,978
9	HK$5,819	HK$5,819
10	HK$5,662	HK$5,662
11	HK$5,502	HK$5,502
12	HK$5,347	HK$5,347
13	HK$5,189	HK$5,189
14	HK$5,033	HK$5,033
15	HK$4,938	HK$4,938
16	HK$4,938	HK$4,938
17	HK$4,971	HK$4,971
18	HK$4,998	HK$5,998
19	HK$5,201	HK$6,241
20	HK$5,266	HK$6,319
21	HK$5,330	HK$6,396
22	HK$5,562	HK$6,674
23	HK$5,710	HK$6,852
24	HK$6,304	HK$7,565
25	HK$6,563	HK$7,875
26	HK$6,722	HK$8,066
27	HK$6,880	HK$8,257
28	HK$7,029	HK$8,434
29	HK$7,184	HK$8,621
30	HK$7,390	HK$8,869
31	HK$7,517	HK$9,020
32	HK$7,665	HK$9,198
33	HK$7,817	HK$9,381
34	HK$8,040	HK$9,647
35	HK$8,194	HK$9,832
36	HK$8,423	HK$10,108
37	HK$8,656	HK$10,387
38	HK$8,901	HK$10,680
39	HK$9,217	HK$11,060
40	HK$9,522	HK$11,425
41	HK$10,129	HK$12,155
42	HK$10,418	HK$12,501
43	HK$10,950	HK$13,140
44	HK$11,374	HK$13,650
45	HK$12,000	HK$14,400
46	HK$12,620	HK$15,143
47	HK$13,330	HK$15,996
48	HK$13,956	HK$16,748
49	HK$14,608	HK$17,531
50	HK$15,128	HK$18,152
51	HK$16,199	HK$19,438
52	HK$16,709	HK$20,051
53	HK$17,576	HK$21,092
54	HK$18,353	HK$22,022
55	HK$19,403	HK$23,285
56	HK$20,310	HK$24,372
57	HK$21,319	HK$25,584
58	HK$22,569	HK$27,083
59	HK$24,159	HK$28,991
60	HK$25,522	HK$30,627
61	HK$27,452	HK$32,943
62	HK$29,836	HK$35,803
63	HK$32,970	HK$39,564
64	HK$35,953	HK$43,144
65	HK$38,901	HK$46,682
66	HK$40,840	HK$49,009
67	HK$42,864	HK$51,438
68	HK$44,980	HK$53,977
69	HK$47,171	HK$56,605
70	HK$48,732	HK$58,479
71	HK$51,912	HK$62,296
72	HK$54,434	HK$65,321
73	HK$57,356	HK$68,827
74	HK$60,396	HK$72,477
75	HK$63,563	HK$76,274
76	HK$66,858	HK$80,229
77	HK$70,292	HK$84,351
78	HK$73,634	HK$88,361
79	HK$76,040	HK$91,248
80	HK$77,551	HK$93,060
81	HK$79,564	HK$95,478
82	HK$82,003	HK$98,403
83	HK$83,378	HK$100,056
84	HK$85,180	HK$102,217
85	HK$86,409	HK$103,691
86	HK$87,760	HK$105,313
87	HK$89,102	HK$106,922
88	HK$91,246	HK$109,494
89	HK$94,389	HK$113,266
90	HK$97,640	HK$117,169
91	HK$101,008	HK$121,210
92	HK$104,495	HK$125,395
93	HK$108,105	HK$129,724
94	HK$111,842	HK$134,211
95	HK$115,710	HK$138,853
96	HK$119,716	HK$143,659
97	HK$123,861	HK$148,633
98	HK$128,153	HK$153,783
99	HK$132,672	HK$159,206

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$0

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HK$15K

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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