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

Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD25,000 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$25,000 deductible. Latest plan-document version: Jul 1, 2026.

Your premium

HK$6,039 /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;• 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$7,392	HK$7,392
1	HK$6,656	HK$6,656
2	HK$5,921	HK$5,921
3	HK$5,879	HK$5,879
4	HK$5,836	HK$5,836
5	HK$5,662	HK$5,662
6	HK$5,487	HK$5,487
7	HK$5,314	HK$5,314
8	HK$5,166	HK$5,166
9	HK$5,017	HK$5,017
10	HK$4,871	HK$4,871
11	HK$4,723	HK$4,723
12	HK$4,576	HK$4,576
13	HK$4,449	HK$4,449
14	HK$4,324	HK$4,324
15	HK$4,199	HK$4,199
16	HK$4,251	HK$4,251
17	HK$4,292	HK$4,292
18	HK$4,327	HK$5,193
19	HK$4,509	HK$5,412
20	HK$4,563	HK$5,476
21	HK$4,618	HK$5,541
22	HK$4,739	HK$5,686
23	HK$4,885	HK$5,862
24	HK$5,238	HK$6,285
25	HK$5,358	HK$6,429
26	HK$5,590	HK$6,707
27	HK$5,705	HK$6,846
28	HK$5,825	HK$6,991
29	HK$6,004	HK$7,205
30	HK$6,039	HK$7,246
31	HK$6,150	HK$7,379
32	HK$6,300	HK$7,562
33	HK$6,523	HK$7,827
34	HK$6,641	HK$7,968
35	HK$6,844	HK$8,214
36	HK$7,082	HK$8,499
37	HK$7,105	HK$8,525
38	HK$7,299	HK$8,759
39	HK$7,502	HK$9,003
40	HK$7,686	HK$9,223
41	HK$8,027	HK$9,633
42	HK$8,416	HK$10,101
43	HK$8,825	HK$10,591
44	HK$9,254	HK$11,105
45	HK$9,769	HK$11,722
46	HK$10,198	HK$12,237
47	HK$10,669	HK$12,803
48	HK$11,175	HK$13,410
49	HK$11,698	HK$14,038
50	HK$12,413	HK$14,895
51	HK$13,033	HK$15,640
52	HK$13,675	HK$16,409
53	HK$14,347	HK$17,217
54	HK$15,044	HK$18,053
55	HK$16,009	HK$19,212
56	HK$16,768	HK$20,122
57	HK$17,566	HK$21,080
58	HK$18,441	HK$22,129
59	HK$19,353	HK$23,223
60	HK$20,911	HK$25,093
61	HK$24,810	HK$29,772
62	HK$26,758	HK$32,109
63	HK$28,640	HK$34,368
64	HK$30,088	HK$36,106
65	HK$32,576	HK$39,091
66	HK$34,202	HK$41,042
67	HK$35,897	HK$43,076
68	HK$37,671	HK$45,205
69	HK$39,523	HK$47,428
70	HK$41,459	HK$49,750
71	HK$43,481	HK$52,178
72	HK$45,596	HK$54,714
73	HK$48,022	HK$57,627
74	HK$50,421	HK$60,505
75	HK$53,049	HK$63,658
76	HK$55,785	HK$66,942
77	HK$58,636	HK$70,364
78	HK$61,439	HK$73,726
79	HK$64,367	HK$77,241
80	HK$67,061	HK$80,473
81	HK$69,560	HK$83,472
82	HK$72,142	HK$86,571
83	HK$74,493	HK$89,391
84	HK$76,102	HK$91,323
85	HK$77,386	HK$92,863
86	HK$78,673	HK$94,406
87	HK$79,962	HK$95,955
88	HK$81,609	HK$97,931
89	HK$83,727	HK$100,472
90	HK$85,999	HK$103,199
91	HK$88,270	HK$105,924
92	HK$90,759	HK$108,909
93	HK$93,919	HK$112,703
94	HK$97,194	HK$116,631
95	HK$100,581	HK$120,698
96	HK$104,090	HK$124,908
97	HK$107,722	HK$129,267
98	HK$111,481	HK$133,776
99	HK$115,425	HK$138,511

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$25K

Current page

HK$25K

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HK$50K

View details →

HK$75K

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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