Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD15,000 Deductible

信諾自願醫保系列－靈活計劃（優越） - 普通病房 - 15,000 港元自付費

CIGNA Worldwide General Insurance Company Limited

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Your premium

HK$4,928 /yr

age

Ward class

Ward

Coverage region

Asia incl. AU/NZ

Deductible

HK$15,000

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$6,094	HK$6,094
1	HK$5,486	HK$5,486
2	HK$4,880	HK$4,880
3	HK$4,857	HK$4,857
4	HK$4,833	HK$4,833
5	HK$4,699	HK$4,699
6	HK$4,564	HK$4,564
7	HK$4,430	HK$4,430
8	HK$4,308	HK$4,308
9	HK$4,188	HK$4,188
10	HK$4,068	HK$4,068
11	HK$3,948	HK$3,948
12	HK$3,828	HK$3,828
13	HK$3,721	HK$3,721
14	HK$3,615	HK$3,615
15	HK$3,508	HK$3,508
16	HK$3,552	HK$3,552
17	HK$3,585	HK$3,585
18	HK$3,613	HK$4,336
19	HK$3,763	HK$4,515
20	HK$3,796	HK$4,556
21	HK$3,831	HK$4,596
22	HK$3,936	HK$4,723
23	HK$4,053	HK$4,863
24	HK$4,172	HK$5,007
25	HK$4,294	HK$5,152
26	HK$4,419	HK$5,303
27	HK$4,546	HK$5,455
28	HK$4,670	HK$5,604
29	HK$4,799	HK$5,759
30	HK$4,928	HK$5,913
31	HK$5,063	HK$6,075
32	HK$5,199	HK$6,239
33	HK$5,336	HK$6,403
34	HK$5,477	HK$6,572
35	HK$5,620	HK$6,744
36	HK$5,767	HK$6,920
37	HK$5,917	HK$7,100
38	HK$6,071	HK$7,285
39	HK$6,228	HK$7,474
40	HK$6,413	HK$7,696
41	HK$6,666	HK$7,999
42	HK$6,951	HK$8,341
43	HK$7,258	HK$8,710
44	HK$7,577	HK$9,092
45	HK$7,909	HK$9,491
46	HK$8,256	HK$9,907
47	HK$8,615	HK$10,338
48	HK$9,007	HK$10,809
49	HK$9,413	HK$11,296
50	HK$9,836	HK$11,803
51	HK$11,231	HK$13,477
52	HK$11,656	HK$13,987
53	HK$12,096	HK$14,515
54	HK$12,565	HK$15,077
55	HK$13,191	HK$15,828
56	HK$13,990	HK$16,788
57	HK$14,818	HK$17,782
58	HK$15,765	HK$18,918
59	HK$16,929	HK$20,314
60	HK$18,136	HK$21,764
61	HK$19,420	HK$23,304
62	HK$20,733	HK$24,879
63	HK$22,348	HK$26,817
64	HK$23,880	HK$28,656
65	HK$25,426	HK$30,511
66	HK$27,009	HK$32,410
67	HK$28,593	HK$34,312
68	HK$29,994	HK$35,993
69	HK$31,459	HK$37,751
70	HK$32,859	HK$39,430
71	HK$34,352	HK$41,222
72	HK$35,923	HK$43,108
73	HK$37,723	HK$45,267
74	HK$39,825	HK$47,790
75	HK$42,086	HK$50,504
76	HK$44,312	HK$53,174
77	HK$46,547	HK$55,856
78	HK$48,794	HK$58,553
79	HK$51,146	HK$61,376
80	HK$53,611	HK$64,332
81	HK$55,725	HK$66,870
82	HK$57,156	HK$68,588
83	HK$58,290	HK$69,948
84	HK$59,241	HK$71,089
85	HK$60,194	HK$72,232
86	HK$61,205	HK$73,445
87	HK$62,196	HK$74,634
88	HK$63,233	HK$75,879
89	HK$64,299	HK$77,158
90	HK$66,406	HK$79,687
91	HK$69,177	HK$83,012
92	HK$72,070	HK$86,484
93	HK$75,090	HK$90,108
94	HK$78,242	HK$93,891
95	HK$81,533	HK$97,840
96	HK$84,969	HK$101,963
97	HK$88,555	HK$106,266
98	HK$92,299	HK$110,759
99	HK$96,208	HK$115,450

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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HK$15K

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HK$15K

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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.