Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD0 Deductible

信諾自願醫保系列－靈活計劃（優越） - 普通病房 - 0 港元自付費

CIGNA Worldwide General Insurance Company Limited

Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD0 Deductible is a VHIS Flexi plan offered by CIGNA Worldwide General Insurance Company Limited, with ward class Ward, Asia incl. AU/NZ coverage, HK$5,000,000 annual benefit limit and no deductible (HK$0). Latest plan-document version: Jul 1, 2026.

Your premium

HK$10,859 /yr

age

Ward class

Ward

Coverage region

Asia incl. AU/NZ

Deductible

Annual benefit limit

HK$5,000,000

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	$800 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
$800 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$12,365	HK$12,365
1	HK$11,151	HK$11,151
2	HK$9,936	HK$9,936
3	HK$9,857	HK$9,857
4	HK$9,780	HK$9,780
5	HK$9,519	HK$9,519
6	HK$9,260	HK$9,260
7	HK$8,999	HK$8,999
8	HK$8,763	HK$8,763
9	HK$8,529	HK$8,529
10	HK$8,292	HK$8,292
11	HK$8,162	HK$8,162
12	HK$8,152	HK$8,152
13	HK$8,151	HK$8,151
14	HK$8,049	HK$8,049
15	HK$7,941	HK$7,941
16	HK$7,831	HK$7,831
17	HK$7,764	HK$7,764
18	HK$7,770	HK$9,325
19	HK$7,821	HK$9,386
20	HK$7,933	HK$9,520
21	HK$8,105	HK$9,727
22	HK$8,310	HK$9,972
23	HK$8,526	HK$10,231
24	HK$8,771	HK$10,525
25	HK$9,084	HK$10,900
26	HK$9,432	HK$11,321
27	HK$9,804	HK$11,765
28	HK$10,154	HK$12,187
29	HK$10,503	HK$12,602
30	HK$10,859	HK$13,030
31	HK$11,218	HK$13,462
32	HK$11,508	HK$13,810
33	HK$11,839	HK$14,206
34	HK$12,203	HK$14,644
35	HK$12,494	HK$14,994
36	HK$12,797	HK$15,357
37	HK$13,214	HK$15,857
38	HK$13,656	HK$16,386
39	HK$14,105	HK$16,927
40	HK$14,672	HK$17,606
41	HK$15,299	HK$18,358
42	HK$15,848	HK$19,018
43	HK$16,444	HK$19,733
44	HK$17,061	HK$20,474
45	HK$17,696	HK$21,236
46	HK$18,451	HK$22,140
47	HK$19,143	HK$22,971
48	HK$20,078	HK$24,094
49	HK$20,980	HK$25,176
50	HK$21,830	HK$26,196
51	HK$22,724	HK$27,269
52	HK$23,669	HK$28,403
53	HK$24,793	HK$29,751
54	HK$25,985	HK$31,182
55	HK$27,229	HK$32,674
56	HK$28,798	HK$34,556
57	HK$30,562	HK$36,675
58	HK$32,616	HK$39,140
59	HK$34,839	HK$41,807
60	HK$37,103	HK$44,525
61	HK$39,550	HK$47,460
62	HK$42,055	HK$50,466
63	HK$44,747	HK$53,698
64	HK$47,563	HK$57,075
65	HK$50,480	HK$60,576
66	HK$53,468	HK$64,160
67	HK$56,460	HK$67,753
68	HK$59,534	HK$71,441
69	HK$62,346	HK$74,814
70	HK$65,118	HK$78,143
71	HK$67,856	HK$81,427
72	HK$70,594	HK$84,713
73	HK$73,814	HK$88,577
74	HK$77,388	HK$92,866
75	HK$81,042	HK$97,250
76	HK$84,790	HK$101,749
77	HK$88,657	HK$106,390
78	HK$92,201	HK$110,642
79	HK$95,835	HK$115,001
80	HK$99,584	HK$119,501
81	HK$103,457	HK$124,148
82	HK$107,402	HK$128,882
83	HK$111,457	HK$133,749
84	HK$115,543	HK$138,651
85	HK$118,942	HK$142,731
86	HK$122,195	HK$146,635
87	HK$125,577	HK$150,693
88	HK$129,092	HK$154,911
89	HK$132,836	HK$159,403
90	HK$137,512	HK$165,014
91	HK$141,816	HK$170,181
92	HK$147,371	HK$176,844
93	HK$153,294	HK$183,953
94	HK$159,467	HK$191,360
95	HK$165,898	HK$199,078
96	HK$172,598	HK$207,119
97	HK$179,583	HK$215,501
98	HK$186,914	HK$224,296
99	HK$195,058	HK$234,072

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$0

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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