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

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Your premium

HK$10,135 /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$11,408	HK$11,408
1	HK$10,279	HK$10,279
2	HK$9,150	HK$9,150
3	HK$9,107	HK$9,107
4	HK$9,066	HK$9,066
5	HK$8,849	HK$8,849
6	HK$8,634	HK$8,634
7	HK$8,417	HK$8,417
8	HK$8,201	HK$8,201
9	HK$7,986	HK$7,986
10	HK$7,769	HK$7,769
11	HK$7,654	HK$7,654
12	HK$7,654	HK$7,654
13	HK$7,654	HK$7,654
14	HK$7,557	HK$7,557
15	HK$7,455	HK$7,455
16	HK$7,351	HK$7,351
17	HK$7,288	HK$7,288
18	HK$7,290	HK$8,749
19	HK$7,335	HK$8,802
20	HK$7,438	HK$8,926
21	HK$7,599	HK$9,119
22	HK$7,791	HK$9,349
23	HK$7,989	HK$9,587
24	HK$8,215	HK$9,858
25	HK$8,506	HK$10,206
26	HK$8,828	HK$10,595
27	HK$9,171	HK$11,006
28	HK$9,493	HK$11,393
29	HK$9,813	HK$11,774
30	HK$10,135	HK$12,161
31	HK$10,462	HK$12,555
32	HK$10,723	HK$12,868
33	HK$11,015	HK$13,218
34	HK$11,340	HK$13,608
35	HK$11,593	HK$13,913
36	HK$11,859	HK$14,231
37	HK$12,234	HK$14,681
38	HK$12,625	HK$15,149
39	HK$13,023	HK$15,628
40	HK$13,534	HK$16,241
41	HK$13,969	HK$16,762
42	HK$14,427	HK$17,312
43	HK$14,919	HK$17,903
44	HK$15,430	HK$18,516
45	HK$15,955	HK$19,146
46	HK$16,619	HK$19,942
47	HK$17,221	HK$20,665
48	HK$18,052	HK$21,663
49	HK$18,851	HK$22,621
50	HK$19,597	HK$23,517
51	HK$20,388	HK$24,465
52	HK$21,229	HK$25,475
53	HK$22,236	HK$26,683
54	HK$23,312	HK$27,974
55	HK$24,438	HK$29,325
56	HK$25,889	HK$31,065
57	HK$27,533	HK$33,040
58	HK$29,447	HK$35,337
59	HK$31,529	HK$37,835
60	HK$33,652	HK$40,383
61	HK$35,957	HK$43,148
62	HK$38,319	HK$45,983
63	HK$40,827	HK$48,993
64	HK$43,457	HK$52,148
65	HK$46,188	HK$55,425
66	HK$48,989	HK$58,786
67	HK$51,795	HK$62,155
68	HK$54,583	HK$65,499
69	HK$57,110	HK$68,531
70	HK$59,598	HK$71,518
71	HK$62,051	HK$74,461
72	HK$64,505	HK$77,406
73	HK$67,194	HK$80,633
74	HK$70,235	HK$84,282
75	HK$73,355	HK$88,026
76	HK$76,569	HK$91,884
77	HK$79,902	HK$95,883
78	HK$83,161	HK$99,794
79	HK$86,509	HK$103,810
80	HK$89,972	HK$107,967
81	HK$93,559	HK$112,270
82	HK$97,217	HK$116,660
83	HK$100,984	HK$121,181
84	HK$104,782	HK$125,738
85	HK$107,897	HK$129,477
86	HK$110,867	HK$133,041
87	HK$113,965	HK$136,758
88	HK$117,195	HK$140,635
89	HK$120,653	HK$144,784
90	HK$125,038	HK$150,045
91	HK$129,053	HK$154,865
92	HK$134,312	HK$161,173
93	HK$139,937	HK$167,924
94	HK$145,810	HK$174,972
95	HK$151,940	HK$182,328
96	HK$158,338	HK$190,006
97	HK$165,019	HK$198,023
98	HK$172,043	HK$206,451
99	HK$179,612	HK$215,536

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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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.