Cigna VHIS Series - Standard Plan

信諾自願醫保系列－標準計劃

CIGNA Worldwide General Insurance Company Limited

Cigna VHIS Series - Standard Plan is a VHIS Standard plan offered by CIGNA Worldwide General Insurance Company Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Jul 1, 2026.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$3,089 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(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	$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(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
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Premium Schedule

Annual premium · Premium varies by smoking (gender-agnostic) · HKD

Age	Non-smoker	Smoker
0	HK$3,508	HK$3,508
1	HK$3,508	HK$3,508
2	HK$3,508	HK$3,508
3	HK$3,508	HK$3,508
4	HK$3,508	HK$3,508
5	HK$2,339	HK$2,339
6	HK$2,339	HK$2,339
7	HK$2,339	HK$2,339
8	HK$2,339	HK$2,339
9	HK$2,339	HK$2,339
10	HK$2,339	HK$2,339
11	HK$2,339	HK$2,339
12	HK$2,339	HK$2,339
13	HK$2,339	HK$2,339
14	HK$2,339	HK$2,339
15	HK$2,339	HK$2,339
16	HK$2,339	HK$2,339
17	HK$2,339	HK$2,339
18	HK$2,480	HK$2,891
19	HK$2,480	HK$2,891
20	HK$2,485	HK$2,897
21	HK$2,513	HK$2,929
22	HK$2,540	HK$2,961
23	HK$2,609	HK$3,043
24	HK$2,674	HK$3,118
25	HK$2,738	HK$3,194
26	HK$2,805	HK$3,270
27	HK$2,875	HK$3,352
28	HK$2,944	HK$3,433
29	HK$3,016	HK$3,515
30	HK$3,089	HK$3,602
31	HK$3,164	HK$3,688
32	HK$3,242	HK$3,778
33	HK$3,320	HK$3,872
34	HK$3,402	HK$3,964
35	HK$3,443	HK$4,012
36	HK$3,456	HK$4,029
37	HK$3,498	HK$4,079
38	HK$3,582	HK$4,176
39	HK$3,651	HK$4,257
40	HK$3,846	HK$4,480
41	HK$3,986	HK$4,643
42	HK$4,132	HK$4,813
43	HK$4,282	HK$4,989
44	HK$4,439	HK$5,171
45	HK$4,689	HK$5,459
46	HK$4,862	HK$5,662
47	HK$5,041	HK$5,868
48	HK$5,225	HK$6,082
49	HK$5,416	HK$6,307
50	HK$5,722	HK$6,657
51	HK$5,974	HK$6,949
52	HK$6,235	HK$7,255
53	HK$6,510	HK$7,574
54	HK$6,797	HK$7,908
55	HK$7,228	HK$8,407
56	HK$7,562	HK$8,793
57	HK$7,907	HK$9,198
58	HK$8,271	HK$9,620
59	HK$8,652	HK$10,062
60	HK$9,131	HK$10,617
61	HK$9,570	HK$11,128
62	HK$10,030	HK$11,663
63	HK$10,510	HK$12,222
64	HK$11,016	HK$12,808
65	HK$11,544	HK$13,422
66	HK$12,122	HK$14,095
67	HK$12,728	HK$14,799
68	HK$13,364	HK$15,538
69	HK$14,033	HK$16,314
70	HK$14,733	HK$17,132
71	HK$15,499	HK$18,021
72	HK$16,304	HK$18,958
73	HK$17,153	HK$19,945
74	HK$18,044	HK$20,982
75	HK$18,983	HK$22,074
76	HK$20,009	HK$23,264
77	HK$21,089	HK$24,520
78	HK$22,227	HK$25,845
79	HK$23,428	HK$27,243
80	HK$24,693	HK$28,710
81	HK$24,940	HK$28,998
82	HK$25,190	HK$29,287
83	HK$25,440	HK$29,581
84	HK$25,694	HK$29,875
85	HK$25,951	HK$30,176
86	HK$26,212	HK$30,476
87	HK$26,473	HK$30,782
88	HK$26,739	HK$31,091
89	HK$27,007	HK$31,403
90	HK$27,276	HK$31,717
91	HK$27,549	HK$32,032
92	HK$27,823	HK$32,351
93	HK$28,102	HK$32,675
94	HK$28,381	HK$33,000
95	HK$28,666	HK$33,329
96	HK$28,952	HK$33,663
97	HK$29,241	HK$34,003
98	HK$29,534	HK$34,342
99	HK$29,829	HK$34,684

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: 2026-07-16