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

Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD25,000 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$25,000 deductible. Latest plan-document version: Jul 1, 2026.

Your premium

HK$4,403 /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$5,506	HK$5,506
1	HK$4,958	HK$4,958
2	HK$4,410	HK$4,410
3	HK$4,379	HK$4,379
4	HK$4,348	HK$4,348
5	HK$4,220	HK$4,220
6	HK$4,091	HK$4,091
7	HK$3,962	HK$3,962
8	HK$3,853	HK$3,853
9	HK$3,743	HK$3,743
10	HK$3,634	HK$3,634
11	HK$3,532	HK$3,532
12	HK$3,428	HK$3,428
13	HK$3,328	HK$3,328
14	HK$3,228	HK$3,228
15	HK$3,130	HK$3,130
16	HK$3,167	HK$3,167
17	HK$3,196	HK$3,196
18	HK$3,220	HK$3,865
19	HK$3,354	HK$4,024
20	HK$3,384	HK$4,061
21	HK$3,414	HK$4,098
22	HK$3,508	HK$4,210
23	HK$3,614	HK$4,338
24	HK$3,718	HK$4,463
25	HK$3,832	HK$4,600
26	HK$3,965	HK$4,759
27	HK$4,076	HK$4,891
28	HK$4,230	HK$5,076
29	HK$4,330	HK$5,197
30	HK$4,403	HK$5,284
31	HK$4,547	HK$5,457
32	HK$4,753	HK$5,705
33	HK$4,961	HK$5,953
34	HK$5,091	HK$6,109
35	HK$5,168	HK$6,200
36	HK$5,363	HK$6,436
37	HK$5,561	HK$6,673
38	HK$5,755	HK$6,907
39	HK$5,943	HK$7,132
40	HK$6,096	HK$7,316
41	HK$6,335	HK$7,602
42	HK$6,561	HK$7,872
43	HK$6,822	HK$8,186
44	HK$7,080	HK$8,496
45	HK$7,316	HK$8,778
46	HK$7,813	HK$9,374
47	HK$8,190	HK$9,828
48	HK$8,599	HK$10,320
49	HK$8,944	HK$10,732
50	HK$9,119	HK$10,942
51	HK$9,797	HK$11,757
52	HK$10,170	HK$12,204
53	HK$10,557	HK$12,669
54	HK$10,970	HK$13,163
55	HK$11,517	HK$13,819
56	HK$12,214	HK$14,657
57	HK$12,935	HK$15,522
58	HK$13,760	HK$16,512
59	HK$14,771	HK$17,724
60	HK$15,819	HK$18,983
61	HK$17,581	HK$21,098
62	HK$18,765	HK$22,518
63	HK$20,220	HK$24,265
64	HK$21,598	HK$25,919
65	HK$22,993	HK$27,591
66	HK$24,420	HK$29,304
67	HK$25,847	HK$31,017
68	HK$27,120	HK$32,545
69	HK$28,453	HK$34,143
70	HK$29,729	HK$35,675
71	HK$31,084	HK$37,301
72	HK$32,510	HK$39,011
73	HK$34,155	HK$40,987
74	HK$36,071	HK$43,286
75	HK$38,128	HK$45,755
76	HK$40,156	HK$48,187
77	HK$42,191	HK$50,630
78	HK$44,218	HK$53,062
79	HK$46,344	HK$55,612
80	HK$48,566	HK$58,279
81	HK$50,475	HK$60,569
82	HK$51,772	HK$62,126
83	HK$52,804	HK$63,364
84	HK$53,670	HK$64,405
85	HK$54,540	HK$65,449
86	HK$55,469	HK$66,563
87	HK$56,383	HK$67,659
88	HK$57,333	HK$68,800
89	HK$58,314	HK$69,977
90	HK$60,224	HK$72,269
91	HK$62,730	HK$75,276
92	HK$65,345	HK$78,413
93	HK$68,074	HK$81,688
94	HK$70,921	HK$85,106
95	HK$73,891	HK$88,670
96	HK$76,992	HK$92,390
97	HK$80,228	HK$96,273
98	HK$83,605	HK$100,327
99	HK$87,154	HK$104,585

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$25K

Current page

HK$50K

View details →

HK$75K

View details →

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