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

Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD15,000 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 HK$15,000 deductible. Latest plan-document version: Jul 1, 2026.

Your premium

HK$5,160 /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$6,457	HK$6,457
1	HK$5,816	HK$5,816
2	HK$5,177	HK$5,177
3	HK$5,135	HK$5,135
4	HK$5,092	HK$5,092
5	HK$4,936	HK$4,936
6	HK$4,779	HK$4,779
7	HK$4,623	HK$4,623
8	HK$4,493	HK$4,493
9	HK$4,365	HK$4,365
10	HK$4,237	HK$4,237
11	HK$4,109	HK$4,109
12	HK$3,981	HK$3,981
13	HK$3,871	HK$3,871
14	HK$3,762	HK$3,762
15	HK$3,652	HK$3,652
16	HK$3,696	HK$3,696
17	HK$3,729	HK$3,729
18	HK$3,760	HK$4,513
19	HK$3,916	HK$4,698
20	HK$3,951	HK$4,743
21	HK$3,989	HK$4,786
22	HK$4,099	HK$4,919
23	HK$4,223	HK$5,067
24	HK$4,350	HK$5,220
25	HK$4,479	HK$5,374
26	HK$4,612	HK$5,534
27	HK$4,746	HK$5,696
28	HK$4,881	HK$5,857
29	HK$5,020	HK$6,025
30	HK$5,160	HK$6,192
31	HK$5,306	HK$6,366
32	HK$5,453	HK$6,543
33	HK$5,604	HK$6,724
34	HK$5,759	HK$6,911
35	HK$5,916	HK$7,100
36	HK$6,078	HK$7,293
37	HK$6,242	HK$7,490
38	HK$6,414	HK$7,697
39	HK$6,590	HK$7,908
40	HK$6,794	HK$8,153
41	HK$7,067	HK$8,480
42	HK$7,373	HK$8,848
43	HK$7,705	HK$9,246
44	HK$8,049	HK$9,659
45	HK$8,407	HK$10,088
46	HK$8,779	HK$10,535
47	HK$9,164	HK$10,997
48	HK$9,586	HK$11,504
49	HK$10,022	HK$12,027
50	HK$10,475	HK$12,570
51	HK$11,743	HK$14,091
52	HK$12,190	HK$14,628
53	HK$12,654	HK$15,185
54	HK$13,148	HK$15,776
55	HK$13,801	HK$16,561
56	HK$14,631	HK$17,558
57	HK$15,491	HK$18,589
58	HK$16,474	HK$19,769
59	HK$17,678	HK$21,213
60	HK$18,926	HK$22,712
61	HK$20,253	HK$24,303
62	HK$21,609	HK$25,930
63	HK$23,278	HK$27,933
64	HK$24,863	HK$29,836
65	HK$26,463	HK$31,755
66	HK$28,100	HK$33,719
67	HK$29,738	HK$35,686
68	HK$31,204	HK$37,445
69	HK$32,736	HK$39,283
70	HK$34,201	HK$41,041
71	HK$35,761	HK$42,913
72	HK$37,401	HK$44,882
73	HK$39,310	HK$47,171
74	HK$41,526	HK$49,831
75	HK$43,905	HK$52,686
76	HK$46,247	HK$55,496
77	HK$48,599	HK$58,319
78	HK$50,926	HK$61,111
79	HK$53,359	HK$64,032
80	HK$55,908	HK$67,089
81	HK$58,099	HK$69,719
82	HK$59,595	HK$71,515
83	HK$60,788	HK$72,946
84	HK$61,795	HK$74,154
85	HK$62,804	HK$75,364
86	HK$63,872	HK$76,646
87	HK$64,920	HK$77,903
88	HK$66,014	HK$79,217
89	HK$67,138	HK$80,565
90	HK$69,322	HK$83,187
91	HK$72,183	HK$86,619
92	HK$75,167	HK$90,201
93	HK$78,281	HK$93,937
94	HK$81,529	HK$97,836
95	HK$84,919	HK$101,904
96	HK$88,457	HK$106,148
97	HK$92,147	HK$110,577
98	HK$95,998	HK$115,198
99	HK$100,056	HK$120,068

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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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