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Cigna VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD0 Deductible
信諾自願醫保系列－靈活計劃（優越） - 普通病房 - 0 港元自付費
CIGNA Worldwide General Insurance Company Limited · F00016-06-000 · 6 versions · Flexi plan · Avg. annual increase +6.25%
| Age | F00016-06-000-01 2022-01-27 | F00016-06-000-01 2022-04-01 | F00016-06-000-02 2023-07-01 | F00016-06-000-02 2024-07-01 | F00016-06-000-03 2025-07-01 | F00016-06-000-04 2026-07-01 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$10,069 | HK$10,069 | HK$10,069 | HK$10,572 (+5.0%) | HK$11,408 (+7.9%) | HK$12,365 (+8.4%) | +4.70% |
| 5 | HK$7,864 | HK$7,864 | HK$7,864 | HK$8,257 (+5.0%) | HK$8,849 (+7.2%) | HK$9,519 (+7.6%) | +4.36% |
| 10 | HK$6,904 | HK$6,904 | HK$6,904 | HK$7,249 (+5.0%) | HK$7,769 (+7.2%) | HK$8,292 (+6.7%) | +4.18% |
| 15 | HK$5,946 | HK$5,946 | HK$5,946 | HK$6,956 (+17.0%) | HK$7,455 (+7.2%) | HK$7,941 (+6.5%) | +6.69% |
| 20 | HK$6,580 | HK$6,580 | HK$6,580 | HK$6,940 (+5.5%) | HK$7,438 (+7.2%) | HK$7,933 (+6.7%) | +4.27% |
| 25 | HK$7,471 | HK$7,471 | HK$7,471 | HK$7,906 (+5.8%) | HK$8,506 (+7.6%) | HK$9,084 (+6.8%) | +4.47% |
| 30 | HK$8,480 | HK$8,480 | HK$8,480 | HK$9,347 (+10.2%) | HK$10,135 (+8.4%) | HK$10,859 (+7.1%) | +5.69% |
| 35 | HK$9,631 | HK$9,631 | HK$9,631 | HK$10,656 (+10.6%) | HK$11,593 (+8.8%) | HK$12,494 (+7.8%) | +5.99% |
| 40 | HK$10,977 | HK$10,977 | HK$10,977 | HK$12,450 (+13.4%) | HK$13,534 (+8.7%) | HK$14,672 (+8.4%) | +6.70% |
| 45 | HK$13,541 | HK$13,541 | HK$13,541 | HK$14,662 (+8.3%) | HK$15,955 (+8.8%) | HK$17,696 (+10.9%) | +6.17% |
| 50 | HK$16,768 | HK$16,768 | HK$16,768 | HK$17,936 (+7.0%) | HK$19,597 (+9.3%) | HK$21,830 (+11.4%) | +6.08% |
| 55 | HK$21,299 | HK$21,299 | HK$21,299 | HK$22,364 (+5.0%) | HK$24,438 (+9.3%) | HK$27,229 (+11.4%) | +5.65% |
| 60 | HK$27,054 | HK$27,054 | HK$27,054 | HK$30,963 (+14.4%) | HK$33,652 (+8.7%) | HK$37,103 (+10.3%) | +7.32% |
| 65 | HK$34,364 | HK$34,364 | HK$34,364 | HK$42,519 (+23.7%) | HK$46,188 (+8.6%) | HK$50,480 (+9.3%) | +8.98% |
| 70 | HK$43,650 | HK$43,650 | HK$43,650 | HK$54,865 (+25.7%) | HK$59,598 (+8.6%) | HK$65,118 (+9.3%) | +9.36% |
| 75 | HK$55,444 | HK$55,444 | HK$55,444 | HK$66,957 (+20.8%) | HK$73,355 (+9.6%) | HK$81,042 (+10.5%) | +8.86% |
| 80 | HK$70,427 | HK$70,427 | HK$70,427 | HK$81,879 (+16.3%) | HK$89,972 (+9.9%) | HK$99,584 (+10.7%) | +8.06% |
| 85 | HK$87,346 | HK$87,346 | HK$87,346 | HK$98,388 (+12.6%) | HK$107,897 (+9.7%) | HK$118,942 (+10.2%) | +7.15% |
| 90 | HK$108,329 | HK$108,329 | HK$108,329 | HK$114,986 (+6.1%) | HK$125,038 (+8.7%) | HK$137,512 (+10.0%) | +5.48% |
| 95 | HK$134,354 | HK$134,354 | HK$134,354 | HK$141,072 (+5.0%) | HK$151,940 (+7.7%) | HK$165,898 (+9.2%) | +4.83% |
| 99 | HK$159,607 | HK$159,607 | HK$159,607 | HK$167,587 (+5.0%) | HK$179,612 (+7.2%) | HK$195,058 (+8.6%) | +4.59% |
| All ages average | — | 0.0% | 0.0% | +10.8% | +8.4% | +8.9% | — |
0 y/oHK$10,069
5 y/oHK$7,864
10 y/oHK$6,904
15 y/oHK$5,946
20 y/oHK$6,580
25 y/oHK$7,471
30 y/oHK$8,480
35 y/oHK$9,631
40 y/oHK$10,977
45 y/oHK$13,541
50 y/oHK$16,768
55 y/oHK$21,299
60 y/oHK$27,054
65 y/oHK$34,364
70 y/oHK$43,650
75 y/oHK$55,444
80 y/oHK$70,427
85 y/oHK$87,346
90 y/oHK$108,329
95 y/oHK$134,354
99 y/oHK$159,607
0.0%
All-ages avg
0 y/oHK$10,069
5 y/oHK$7,864
10 y/oHK$6,904
15 y/oHK$5,946
20 y/oHK$6,580
25 y/oHK$7,471
30 y/oHK$8,480
35 y/oHK$9,631
40 y/oHK$10,977
45 y/oHK$13,541
50 y/oHK$16,768
55 y/oHK$21,299
60 y/oHK$27,054
65 y/oHK$34,364
70 y/oHK$43,650
75 y/oHK$55,444
80 y/oHK$70,427
85 y/oHK$87,346
90 y/oHK$108,329
95 y/oHK$134,354
99 y/oHK$159,607
0.0%
All-ages avg
0 y/oHK$10,069
5 y/oHK$7,864
10 y/oHK$6,904
15 y/oHK$5,946
20 y/oHK$6,580
25 y/oHK$7,471
30 y/oHK$8,480
35 y/oHK$9,631
40 y/oHK$10,977
45 y/oHK$13,541
50 y/oHK$16,768
55 y/oHK$21,299
60 y/oHK$27,054
65 y/oHK$34,364
70 y/oHK$43,650
75 y/oHK$55,444
80 y/oHK$70,427
85 y/oHK$87,346
90 y/oHK$108,329
95 y/oHK$134,354
99 y/oHK$159,607
+10.8%
All-ages avg
0 y/oHK$10,572 (+5.0%)
5 y/oHK$8,257 (+5.0%)
10 y/oHK$7,249 (+5.0%)
15 y/oHK$6,956 (+17.0%)
20 y/oHK$6,940 (+5.5%)
25 y/oHK$7,906 (+5.8%)
30 y/oHK$9,347 (+10.2%)
35 y/oHK$10,656 (+10.6%)
40 y/oHK$12,450 (+13.4%)
45 y/oHK$14,662 (+8.3%)
50 y/oHK$17,936 (+7.0%)
55 y/oHK$22,364 (+5.0%)
60 y/oHK$30,963 (+14.4%)
65 y/oHK$42,519 (+23.7%)
70 y/oHK$54,865 (+25.7%)
75 y/oHK$66,957 (+20.8%)
80 y/oHK$81,879 (+16.3%)
85 y/oHK$98,388 (+12.6%)
90 y/oHK$114,986 (+6.1%)
95 y/oHK$141,072 (+5.0%)
99 y/oHK$167,587 (+5.0%)
+8.4%
All-ages avg
0 y/oHK$11,408 (+7.9%)
5 y/oHK$8,849 (+7.2%)
10 y/oHK$7,769 (+7.2%)
15 y/oHK$7,455 (+7.2%)
20 y/oHK$7,438 (+7.2%)
25 y/oHK$8,506 (+7.6%)
30 y/oHK$10,135 (+8.4%)
35 y/oHK$11,593 (+8.8%)
40 y/oHK$13,534 (+8.7%)
45 y/oHK$15,955 (+8.8%)
50 y/oHK$19,597 (+9.3%)
55 y/oHK$24,438 (+9.3%)
60 y/oHK$33,652 (+8.7%)
65 y/oHK$46,188 (+8.6%)
70 y/oHK$59,598 (+8.6%)
75 y/oHK$73,355 (+9.6%)
80 y/oHK$89,972 (+9.9%)
85 y/oHK$107,897 (+9.7%)
90 y/oHK$125,038 (+8.7%)
95 y/oHK$151,940 (+7.7%)
99 y/oHK$179,612 (+7.2%)
+8.9%
All-ages avg
0 y/oHK$12,365 (+8.4%)
5 y/oHK$9,519 (+7.6%)
10 y/oHK$8,292 (+6.7%)
15 y/oHK$7,941 (+6.5%)
20 y/oHK$7,933 (+6.7%)
25 y/oHK$9,084 (+6.8%)
30 y/oHK$10,859 (+7.1%)
35 y/oHK$12,494 (+7.8%)
40 y/oHK$14,672 (+8.4%)
45 y/oHK$17,696 (+10.9%)
50 y/oHK$21,830 (+11.4%)
55 y/oHK$27,229 (+11.4%)
60 y/oHK$37,103 (+10.3%)
65 y/oHK$50,480 (+9.3%)
70 y/oHK$65,118 (+9.3%)
75 y/oHK$81,042 (+10.5%)
80 y/oHK$99,584 (+10.7%)
85 y/oHK$118,942 (+10.2%)
90 y/oHK$137,512 (+10.0%)
95 y/oHK$165,898 (+9.2%)
99 y/oHK$195,058 (+8.6%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-07-02
0 y/o+4.70%
5 y/o+4.36%
10 y/o+4.18%
15 y/o+6.69%
20 y/o+4.27%
25 y/o+4.47%
30 y/o+5.69%
35 y/o+5.99%
40 y/o+6.70%
45 y/o+6.17%
50 y/o+6.08%
55 y/o+5.65%
60 y/o+7.32%
65 y/o+8.98%
70 y/o+9.36%
75 y/o+8.86%
80 y/o+8.06%
85 y/o+7.15%
90 y/o+5.48%
95 y/o+4.83%
99 y/o+4.59%
Notes & sources
Each cell shows the premium amount, with the change vs. previous version in parentheses. The first version shows only the baseline premium. The average annual increase is a compound rate (latest / earliest)^(1/years) − 1, with years = today − earliest version date.· as of 2026-07-02
Default view shows 21 anchor ages (one every 5 years, plus 0 and 99) for a quick read of the inflation curve. The Avg. annual increase column on the right is always computed across all 100 ages regardless of toggle state.