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

Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD75,000 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$75,000 deductible. Latest plan-document version: Jul 1, 2026.

Your premium

HK$4,109 /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;• 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$5,071	HK$5,071
1	HK$4,825	HK$4,825
2	HK$4,338	HK$4,338
3	HK$4,317	HK$4,317
4	HK$4,296	HK$4,296
5	HK$4,176	HK$4,176
6	HK$3,781	HK$3,781
7	HK$3,672	HK$3,672
8	HK$3,576	HK$3,576
9	HK$3,483	HK$3,483
10	HK$3,387	HK$3,387
11	HK$3,292	HK$3,292
12	HK$3,198	HK$3,198
13	HK$3,105	HK$3,105
14	HK$3,010	HK$3,010
15	HK$3,130	HK$3,130
16	HK$3,165	HK$3,165
17	HK$3,191	HK$3,191
18	HK$3,209	HK$3,851
19	HK$3,336	HK$4,003
20	HK$3,481	HK$4,177
21	HK$3,569	HK$4,283
22	HK$3,666	HK$4,399
23	HK$3,769	HK$4,522
24	HK$3,833	HK$4,601
25	HK$3,889	HK$4,668
26	HK$3,932	HK$4,717
27	HK$3,972	HK$4,766
28	HK$4,014	HK$4,816
29	HK$4,053	HK$4,863
30	HK$4,109	HK$4,931
31	HK$4,356	HK$5,228
32	HK$4,637	HK$5,565
33	HK$4,937	HK$5,924
34	HK$5,136	HK$6,164
35	HK$5,274	HK$6,329
36	HK$5,413	HK$6,496
37	HK$5,558	HK$6,670
38	HK$5,710	HK$6,853
39	HK$5,866	HK$7,040
40	HK$6,009	HK$7,210
41	HK$6,267	HK$7,519
42	HK$6,556	HK$7,866
43	HK$6,867	HK$8,242
44	HK$7,191	HK$8,630
45	HK$7,577	HK$9,094
46	HK$7,920	HK$9,504
47	HK$8,271	HK$9,926
48	HK$8,654	HK$10,384
49	HK$9,046	HK$10,855
50	HK$9,542	HK$11,451
51	HK$10,022	HK$12,026
52	HK$10,521	HK$12,625
53	HK$11,041	HK$13,249
54	HK$11,586	HK$13,904
55	HK$12,406	HK$14,887
56	HK$13,013	HK$15,616
57	HK$13,648	HK$16,377
58	HK$14,592	HK$17,510
59	HK$15,608	HK$18,731
60	HK$16,625	HK$19,950
61	HK$17,641	HK$21,169
62	HK$18,657	HK$22,389
63	HK$20,098	HK$24,120
64	HK$21,540	HK$25,848
65	HK$22,981	HK$27,578
66	HK$24,422	HK$29,308
67	HK$25,864	HK$31,037
68	HK$27,304	HK$32,765
69	HK$28,658	HK$34,390
70	HK$30,076	HK$36,091
71	HK$31,557	HK$37,870
72	HK$33,106	HK$39,727
73	HK$34,854	HK$41,826
74	HK$36,680	HK$44,015
75	HK$38,584	HK$46,301
76	HK$40,569	HK$48,683
77	HK$42,638	HK$51,167
78	HK$44,686	HK$53,623
79	HK$46,826	HK$56,192
80	HK$48,522	HK$58,226
81	HK$49,774	HK$59,728
82	HK$51,300	HK$61,561
83	HK$52,139	HK$62,566
84	HK$53,254	HK$63,904
85	HK$53,995	HK$64,794
86	HK$54,864	HK$65,837
87	HK$55,727	HK$66,872
88	HK$56,678	HK$68,014
89	HK$57,718	HK$69,262
90	HK$59,340	HK$71,207
91	HK$61,442	HK$73,730
92	HK$63,617	HK$76,340
93	HK$65,869	HK$79,042
94	HK$68,201	HK$81,841
95	HK$70,614	HK$84,738
96	HK$73,113	HK$87,735
97	HK$75,699	HK$90,839
98	HK$78,377	HK$94,053
99	HK$81,193	HK$97,431

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$75K

Current page

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