Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD25,000 Deductible

信諾自願醫保系列－靈活計劃（優越） - 普通病房 - 25,000 港元自付費

CIGNA Worldwide General Insurance Company Limited

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Your premium

HK$4,335 /yr

age

Ward class

Ward

Coverage region

Asia incl. AU/NZ

Deductible

HK$25,000

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$5,368	HK$5,368
1	HK$4,832	HK$4,832
2	HK$4,296	HK$4,296
3	HK$4,278	HK$4,278
4	HK$4,260	HK$4,260
5	HK$4,145	HK$4,145
6	HK$4,028	HK$4,028
7	HK$3,912	HK$3,912
8	HK$3,806	HK$3,806
9	HK$3,699	HK$3,699
10	HK$3,594	HK$3,594
11	HK$3,495	HK$3,495
12	HK$3,395	HK$3,395
13	HK$3,295	HK$3,295
14	HK$3,195	HK$3,195
15	HK$3,097	HK$3,097
16	HK$3,135	HK$3,135
17	HK$3,164	HK$3,164
18	HK$3,187	HK$3,825
19	HK$3,320	HK$3,983
20	HK$3,348	HK$4,018
21	HK$3,377	HK$4,053
22	HK$3,470	HK$4,164
23	HK$3,573	HK$4,288
24	HK$3,674	HK$4,410
25	HK$3,785	HK$4,543
26	HK$3,915	HK$4,699
27	HK$4,023	HK$4,827
28	HK$4,172	HK$5,006
29	HK$4,267	HK$5,121
30	HK$4,335	HK$5,202
31	HK$4,474	HK$5,369
32	HK$4,675	HK$5,611
33	HK$4,876	HK$5,850
34	HK$4,998	HK$5,998
35	HK$5,068	HK$6,080
36	HK$5,256	HK$6,307
37	HK$5,446	HK$6,535
38	HK$5,631	HK$6,758
39	HK$5,809	HK$6,971
40	HK$5,952	HK$7,143
41	HK$6,181	HK$7,417
42	HK$6,397	HK$7,676
43	HK$6,646	HK$7,975
44	HK$6,892	HK$8,271
45	HK$7,116	HK$8,538
46	HK$7,601	HK$9,120
47	HK$7,967	HK$9,560
48	HK$8,362	HK$10,035
49	HK$8,693	HK$10,431
50	HK$8,854	HK$10,624
51	HK$9,519	HK$11,423
52	HK$9,879	HK$11,855
53	HK$10,252	HK$12,303
54	HK$10,651	HK$12,780
55	HK$11,183	HK$13,418
56	HK$11,863	HK$14,235
57	HK$12,567	HK$15,080
58	HK$13,372	HK$16,046
59	HK$14,361	HK$17,232
60	HK$15,387	HK$18,465
61	HK$17,121	HK$20,546
62	HK$18,282	HK$21,938
63	HK$19,707	HK$23,649
64	HK$21,056	HK$25,268
65	HK$22,422	HK$26,906
66	HK$23,819	HK$28,583
67	HK$25,217	HK$30,261
68	HK$26,453	HK$31,744
69	HK$27,748	HK$33,296
70	HK$28,986	HK$34,783
71	HK$30,303	HK$36,364
72	HK$31,690	HK$38,027
73	HK$33,271	HK$39,926
74	HK$35,120	HK$42,145
75	HK$37,109	HK$44,532
76	HK$39,069	HK$46,882
77	HK$41,036	HK$49,244
78	HK$43,020	HK$51,624
79	HK$45,101	HK$54,121
80	HK$47,278	HK$56,733
81	HK$49,145	HK$58,973
82	HK$50,405	HK$60,486
83	HK$51,403	HK$61,683
84	HK$52,237	HK$62,685
85	HK$53,074	HK$63,690
86	HK$53,970	HK$64,764
87	HK$54,851	HK$65,821
88	HK$55,768	HK$66,922
89	HK$56,715	HK$68,058
90	HK$58,583	HK$70,300
91	HK$61,041	HK$73,249
92	HK$63,607	HK$76,328
93	HK$66,286	HK$79,543
94	HK$69,082	HK$82,899
95	HK$72,000	HK$86,401
96	HK$75,048	HK$90,057
97	HK$78,229	HK$93,874
98	HK$81,550	HK$97,861
99	HK$85,017	HK$102,020

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$25K

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HK$50K

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HK$75K

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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.