Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD75,000 Deductible

信諾自願醫保系列－靈活計劃（優越） - 半私家病房 - 75,000 港元自付費

CIGNA Worldwide General Insurance Company Limited

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Your premium

HK$3,904 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$75,000

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$4,761	HK$4,761
1	HK$4,533	HK$4,533
2	HK$4,076	HK$4,076
3	HK$4,061	HK$4,061
4	HK$4,046	HK$4,046
5	HK$3,937	HK$3,937
6	HK$3,568	HK$3,568
7	HK$3,469	HK$3,469
8	HK$3,380	HK$3,380
9	HK$3,293	HK$3,293
10	HK$3,203	HK$3,203
11	HK$3,114	HK$3,114
12	HK$3,026	HK$3,026
13	HK$2,938	HK$2,938
14	HK$2,848	HK$2,848
15	HK$2,962	HK$2,962
16	HK$2,995	HK$2,995
17	HK$3,020	HK$3,020
18	HK$3,037	HK$3,644
19	HK$3,157	HK$3,788
20	HK$3,294	HK$3,952
21	HK$3,377	HK$4,052
22	HK$3,468	HK$4,162
23	HK$3,565	HK$4,277
24	HK$3,625	HK$4,351
25	HK$3,677	HK$4,413
26	HK$3,720	HK$4,463
27	HK$3,761	HK$4,513
28	HK$3,804	HK$4,564
29	HK$3,844	HK$4,613
30	HK$3,904	HK$4,685
31	HK$4,138	HK$4,966
32	HK$4,404	HK$5,285
33	HK$4,686	HK$5,623
34	HK$4,872	HK$5,847
35	HK$4,999	HK$5,999
36	HK$5,128	HK$6,153
37	HK$5,262	HK$6,314
38	HK$5,400	HK$6,481
39	HK$5,543	HK$6,652
40	HK$5,673	HK$6,807
41	HK$5,900	HK$7,079
42	HK$6,155	HK$7,385
43	HK$6,429	HK$7,716
44	HK$6,714	HK$8,057
45	HK$7,055	HK$8,467
46	HK$7,369	HK$8,843
47	HK$7,691	HK$9,230
48	HK$8,041	HK$9,649
49	HK$8,400	HK$10,080
50	HK$8,859	HK$10,631
51	HK$9,302	HK$11,161
52	HK$9,763	HK$11,715
53	HK$10,242	HK$12,290
54	HK$10,744	HK$12,894
55	HK$11,510	HK$13,812
56	HK$12,073	HK$14,487
57	HK$12,662	HK$15,193
58	HK$13,543	HK$16,251
59	HK$14,493	HK$17,392
60	HK$15,444	HK$18,532
61	HK$16,394	HK$19,672
62	HK$17,344	HK$20,813
63	HK$18,693	HK$22,433
64	HK$20,043	HK$24,051
65	HK$21,392	HK$25,671
66	HK$22,741	HK$27,290
67	HK$24,091	HK$28,909
68	HK$25,421	HK$30,505
69	HK$26,669	HK$32,003
70	HK$27,977	HK$33,573
71	HK$29,347	HK$35,217
72	HK$30,781	HK$36,937
73	HK$32,361	HK$38,834
74	HK$34,015	HK$40,817
75	HK$35,744	HK$42,893
76	HK$37,551	HK$45,061
77	HK$39,438	HK$47,327
78	HK$41,354	HK$49,624
79	HK$43,358	HK$52,030
80	HK$44,937	HK$53,924
81	HK$46,091	HK$55,309
82	HK$47,508	HK$57,010
83	HK$48,267	HK$57,920
84	HK$49,290	HK$59,147
85	HK$49,956	HK$59,947
86	HK$50,743	HK$60,892
87	HK$51,525	HK$61,830
88	HK$52,392	HK$62,870
89	HK$53,343	HK$64,012
90	HK$54,852	HK$65,821
91	HK$56,819	HK$68,183
92	HK$58,857	HK$70,628
93	HK$60,968	HK$73,161
94	HK$63,156	HK$75,787
95	HK$65,421	HK$78,506
96	HK$67,769	HK$81,322
97	HK$70,199	HK$84,239
98	HK$72,718	HK$87,262
99	HK$75,325	HK$90,390

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$75K

Current page

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.