Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD25,000 Deductible

信諾自願醫保系列－靈活計劃（優越） - 半私家病房 - 25,000 港元自付費

CIGNA Worldwide General Insurance Company Limited

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Your premium

HK$5,837 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$25,000

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$6,869	HK$6,869
1	HK$6,184	HK$6,184
2	HK$5,500	HK$5,500
3	HK$5,468	HK$5,468
4	HK$5,436	HK$5,436
5	HK$5,280	HK$5,280
6	HK$5,123	HK$5,123
7	HK$4,968	HK$4,968
8	HK$4,831	HK$4,831
9	HK$4,693	HK$4,693
10	HK$4,557	HK$4,557
11	HK$4,420	HK$4,420
12	HK$4,284	HK$4,284
13	HK$4,165	HK$4,165
14	HK$4,047	HK$4,047
15	HK$3,930	HK$3,930
16	HK$3,979	HK$3,979
17	HK$4,018	HK$4,018
18	HK$4,050	HK$4,860
19	HK$4,220	HK$5,065
20	HK$4,270	HK$5,125
21	HK$4,321	HK$5,185
22	HK$4,434	HK$5,320
23	HK$4,570	HK$5,484
24	HK$4,900	HK$5,880
25	HK$5,011	HK$6,013
26	HK$5,257	HK$6,307
27	HK$5,394	HK$6,473
28	HK$5,538	HK$6,646
29	HK$5,739	HK$6,887
30	HK$5,837	HK$7,004
31	HK$5,936	HK$7,123
32	HK$6,075	HK$7,291
33	HK$6,280	HK$7,536
34	HK$6,382	HK$7,657
35	HK$6,568	HK$7,882
36	HK$6,789	HK$8,147
37	HK$6,796	HK$8,154
38	HK$6,967	HK$8,361
39	HK$7,148	HK$8,578
40	HK$7,310	HK$8,772
41	HK$7,599	HK$9,119
42	HK$7,931	HK$9,518
43	HK$8,278	HK$9,934
44	HK$8,641	HK$10,369
45	HK$9,080	HK$10,895
46	HK$9,475	HK$11,370
47	HK$9,889	HK$11,867
48	HK$10,320	HK$12,384
49	HK$10,773	HK$12,928
50	HK$11,460	HK$13,752
51	HK$12,031	HK$14,438
52	HK$12,630	HK$15,155
53	HK$13,242	HK$15,891
54	HK$13,884	HK$16,661
55	HK$14,856	HK$17,828
56	HK$15,574	HK$18,689
57	HK$16,323	HK$19,588
58	HK$17,137	HK$20,564
59	HK$17,986	HK$21,583
60	HK$19,455	HK$23,345
61	HK$23,166	HK$27,799
62	HK$25,008	HK$30,009
63	HK$26,779	HK$32,134
64	HK$28,134	HK$33,761
65	HK$30,485	HK$36,582
66	HK$32,011	HK$38,413
67	HK$33,603	HK$40,323
68	HK$35,251	HK$42,301
69	HK$36,975	HK$44,370
70	HK$38,778	HK$46,533
71	HK$40,665	HK$48,798
72	HK$42,640	HK$51,167
73	HK$44,867	HK$53,841
74	HK$47,068	HK$56,481
75	HK$49,488	HK$59,385
76	HK$52,012	HK$62,414
77	HK$54,646	HK$65,576
78	HK$57,282	HK$68,738
79	HK$60,038	HK$72,046
80	HK$62,570	HK$75,084
81	HK$64,915	HK$77,898
82	HK$67,340	HK$80,808
83	HK$69,543	HK$83,451
84	HK$71,035	HK$85,243
85	HK$72,216	HK$86,659
86	HK$73,400	HK$88,079
87	HK$74,586	HK$89,504
88	HK$76,115	HK$91,338
89	HK$78,095	HK$93,713
90	HK$80,222	HK$96,267
91	HK$82,349	HK$98,819
92	HK$84,684	HK$101,620
93	HK$87,663	HK$105,195
94	HK$90,751	HK$108,900
95	HK$93,947	HK$112,737
96	HK$97,259	HK$116,711
97	HK$100,690	HK$120,828
98	HK$104,242	HK$125,089
99	HK$107,922	HK$129,507

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$25K

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HK$25K

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HK$50K

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HK$75K

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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.