Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD50,000 Deductible

信諾自願醫保系列－靈活計劃（優越） - 半私家病房 - 50,000 港元自付費

CIGNA Worldwide General Insurance Company Limited

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Your premium

HK$5,269 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$50,000

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$5,679	HK$5,679
1	HK$5,112	HK$5,112
2	HK$4,540	HK$4,540
3	HK$4,518	HK$4,518
4	HK$4,496	HK$4,496
5	HK$4,371	HK$4,371
6	HK$4,245	HK$4,245
7	HK$4,119	HK$4,119
8	HK$4,005	HK$4,005
9	HK$3,893	HK$3,893
10	HK$3,876	HK$3,876
11	HK$3,872	HK$3,872
12	HK$3,827	HK$3,827
13	HK$3,716	HK$3,716
14	HK$3,602	HK$3,602
15	HK$3,494	HK$3,494
16	HK$3,541	HK$3,541
17	HK$3,573	HK$3,573
18	HK$3,601	HK$4,321
19	HK$3,749	HK$4,499
20	HK$3,916	HK$4,699
21	HK$4,024	HK$4,828
22	HK$4,132	HK$4,958
23	HK$4,253	HK$5,104
24	HK$4,378	HK$5,253
25	HK$4,527	HK$5,432
26	HK$4,658	HK$5,589
27	HK$4,792	HK$5,751
28	HK$4,923	HK$5,907
29	HK$5,059	HK$6,071
30	HK$5,269	HK$6,322
31	HK$5,413	HK$6,496
32	HK$5,559	HK$6,671
33	HK$5,705	HK$6,846
34	HK$5,854	HK$7,024
35	HK$6,007	HK$7,209
36	HK$6,163	HK$7,395
37	HK$6,326	HK$7,591
38	HK$6,492	HK$7,791
39	HK$6,663	HK$7,995
40	HK$6,912	HK$8,294
41	HK$7,184	HK$8,621
42	HK$7,449	HK$8,938
43	HK$7,731	HK$9,276
44	HK$8,049	HK$9,659
45	HK$8,407	HK$10,088
46	HK$8,822	HK$10,587
47	HK$9,189	HK$11,027
48	HK$9,572	HK$11,487
49	HK$9,956	HK$11,947
50	HK$10,348	HK$12,417
51	HK$11,230	HK$13,475
52	HK$11,689	HK$14,026
53	HK$12,283	HK$14,740
54	HK$12,991	HK$15,589
55	HK$13,737	HK$16,484
56	HK$14,536	HK$17,442
57	HK$15,381	HK$18,456
58	HK$16,300	HK$19,561
59	HK$17,249	HK$20,699
60	HK$18,477	HK$22,173
61	HK$20,023	HK$24,027
62	HK$21,446	HK$25,734
63	HK$23,108	HK$27,729
64	HK$24,274	HK$29,128
65	HK$26,310	HK$31,572
66	HK$27,623	HK$33,148
67	HK$29,001	HK$34,800
68	HK$30,425	HK$36,510
69	HK$31,916	HK$38,299
70	HK$33,477	HK$40,172
71	HK$35,108	HK$42,131
72	HK$36,818	HK$44,182
73	HK$38,735	HK$46,482
74	HK$40,734	HK$48,880
75	HK$42,821	HK$51,386
76	HK$45,003	HK$54,004
77	HK$47,279	HK$56,734
78	HK$49,563	HK$59,476
79	HK$51,955	HK$62,346
80	HK$54,149	HK$64,980
81	HK$56,182	HK$67,419
82	HK$58,285	HK$69,942
83	HK$59,804	HK$71,765
84	HK$61,093	HK$73,313
85	HK$62,269	HK$74,722
86	HK$63,352	HK$76,023
87	HK$64,447	HK$77,336
88	HK$65,547	HK$78,657
89	HK$66,656	HK$79,987
90	HK$67,772	HK$81,327
91	HK$68,894	HK$82,673
92	HK$70,393	HK$84,471
93	HK$72,883	HK$87,460
94	HK$75,462	HK$90,554
95	HK$78,135	HK$93,762
96	HK$80,903	HK$97,083
97	HK$83,769	HK$100,523
98	HK$86,738	HK$104,086
99	HK$89,812	HK$107,775

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$50K

Current page

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.