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

Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD50,000 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$50,000 deductible. Latest plan-document version: Jul 1, 2026.

Your premium

HK$5,528 /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;• 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$6,005	HK$6,005
1	HK$5,406	HK$5,406
2	HK$4,802	HK$4,802
3	HK$4,772	HK$4,772
4	HK$4,743	HK$4,743
5	HK$4,605	HK$4,605
6	HK$4,467	HK$4,467
7	HK$4,329	HK$4,329
8	HK$4,208	HK$4,208
9	HK$4,089	HK$4,089
10	HK$4,070	HK$4,070
11	HK$4,064	HK$4,064
12	HK$4,015	HK$4,015
13	HK$3,899	HK$3,899
14	HK$3,780	HK$3,780
15	HK$3,667	HK$3,667
16	HK$3,716	HK$3,716
17	HK$3,749	HK$3,749
18	HK$3,779	HK$4,534
19	HK$3,934	HK$4,721
20	HK$4,109	HK$4,931
21	HK$4,223	HK$5,067
22	HK$4,336	HK$5,203
23	HK$4,464	HK$5,358
24	HK$4,597	HK$5,515
25	HK$4,754	HK$5,704
26	HK$4,891	HK$5,868
27	HK$5,031	HK$6,038
28	HK$5,167	HK$6,200
29	HK$5,309	HK$6,372
30	HK$5,528	HK$6,633
31	HK$5,680	HK$6,817
32	HK$5,835	HK$7,002
33	HK$5,989	HK$7,187
34	HK$6,148	HK$7,376
35	HK$6,310	HK$7,572
36	HK$6,475	HK$7,770
37	HK$6,648	HK$7,977
38	HK$6,824	HK$8,190
39	HK$7,006	HK$8,407
40	HK$7,270	HK$8,723
41	HK$7,589	HK$9,107
42	HK$7,904	HK$9,483
43	HK$8,239	HK$9,885
44	HK$8,615	HK$10,338
45	HK$9,037	HK$10,844
46	HK$9,487	HK$11,386
47	HK$9,888	HK$11,866
48	HK$10,310	HK$12,372
49	HK$10,732	HK$12,878
50	HK$11,162	HK$13,394
51	HK$12,100	HK$14,518
52	HK$12,599	HK$15,118
53	HK$13,242	HK$15,891
54	HK$14,003	HK$16,803
55	HK$14,803	HK$17,763
56	HK$15,657	HK$18,788
57	HK$16,560	HK$19,871
58	HK$17,544	HK$21,054
59	HK$18,559	HK$22,271
60	HK$19,863	HK$23,836
61	HK$21,496	HK$25,794
62	HK$23,001	HK$27,600
63	HK$24,765	HK$29,718
64	HK$26,016	HK$31,218
65	HK$28,167	HK$33,800
66	HK$29,570	HK$35,484
67	HK$31,040	HK$37,246
68	HK$32,583	HK$39,100
69	HK$34,196	HK$41,035
70	HK$35,882	HK$43,058
71	HK$37,640	HK$45,169
72	HK$39,479	HK$47,376
73	HK$41,597	HK$49,917
74	HK$43,801	HK$52,560
75	HK$46,095	HK$55,315
76	HK$48,487	HK$58,185
77	HK$50,977	HK$61,172
78	HK$53,407	HK$64,088
79	HK$55,948	HK$67,138
80	HK$58,284	HK$69,943
81	HK$60,454	HK$72,546
82	HK$62,696	HK$75,236
83	HK$64,334	HK$77,201
84	HK$65,734	HK$78,882
85	HK$67,016	HK$80,419
86	HK$68,203	HK$81,844
87	HK$69,402	HK$83,282
88	HK$70,606	HK$84,728
89	HK$71,819	HK$86,183
90	HK$73,040	HK$87,649
91	HK$74,267	HK$89,120
92	HK$75,884	HK$91,060
93	HK$78,526	HK$94,232
94	HK$81,261	HK$97,513
95	HK$84,094	HK$100,912
96	HK$87,024	HK$104,428
97	HK$90,056	HK$108,067
98	HK$93,195	HK$111,834
99	HK$96,507	HK$115,809

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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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