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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 · F00016-07-000 · 6 versions · Flexi plan · Avg. annual increase +4.64%
Same premium for both sexesHKD
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| Age | 2022-01-27 | 2022-04-01 | 2023-07-01 | 2024-07-01 | 2025-07-01 | Latest 2026-07-01 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 y/o | HK$5,398 | HK$5,398 | HK$5,398 | HK$5,668 (+5.0%) | HK$6,094 (+7.5%) | HK$6,457 (+6.0%) | +3.95% |
| 5 y/o | HK$4,216 | HK$4,216 | HK$4,216 | HK$4,427 (+5.0%) | HK$4,699 (+6.1%) | HK$4,936 (+5.0%) | +3.46% |
| 10 y/o | HK$3,701 | HK$3,701 | HK$3,701 | HK$3,886 (+5.0%) | HK$4,068 (+4.7%) | HK$4,237 (+4.2%) | +2.96% |
| 15 y/o | HK$3,188 | HK$3,188 | HK$3,188 | HK$3,347 (+5.0%) | HK$3,508 (+4.8%) | HK$3,652 (+4.1%) | +2.98% |
| 20 y/o | HK$3,528 | HK$3,528 | HK$3,528 | HK$3,592 (+1.8%) | HK$3,796 (+5.7%) | HK$3,951 (+4.1%) | +2.48% |
| 25 y/o | HK$4,004 | HK$4,004 | HK$4,004 | HK$4,004 | HK$4,294 (+7.2%) | HK$4,479 (+4.3%) | +2.45% |
| 30 y/o | HK$4,546 | HK$4,546 | HK$4,546 | HK$4,546 | HK$4,928 (+8.4%) | HK$5,160 (+4.7%) | +2.77% |
| 35 y/o | HK$5,163 | HK$5,163 | HK$5,163 | HK$5,163 | HK$5,620 (+8.9%) | HK$5,916 (+5.3%) | +2.98% |
| 40 y/o | HK$5,884 | HK$5,884 | HK$5,884 | HK$5,884 | HK$6,413 (+9.0%) | HK$6,794 (+5.9%) | +3.15% |
| 45 y/o | HK$7,259 | HK$7,259 | HK$7,259 | HK$7,259 | HK$7,909 (+9.0%) | HK$8,407 (+6.3%) | +3.22% |
| 50 y/o | HK$8,989 | HK$8,989 | HK$8,989 | HK$8,989 | HK$9,836 (+9.4%) | HK$10,475 (+6.5%) | +3.36% |
| 55 y/o | HK$11,418 | HK$11,418 | HK$11,418 | HK$12,097 (+5.9%) | HK$13,191 (+9.0%) | HK$13,801 (+4.6%) | +4.18% |
| 60 y/o | HK$14,504 | HK$14,504 | HK$14,504 | HK$16,706 (+15.2%) | HK$18,136 (+8.6%) | HK$18,926 (+4.4%) | +5.92% |
| 65 y/o | HK$18,423 | HK$18,423 | HK$18,423 | HK$23,444 (+27.3%) | HK$25,426 (+8.5%) | HK$26,463 (+4.1%) | +8.14% |
| 70 y/o | HK$23,400 | HK$23,400 | HK$23,400 | HK$30,289 (+29.4%) | HK$32,859 (+8.5%) | HK$34,201 (+4.1%) | +8.54% |
| 75 y/o | HK$29,724 | HK$29,724 | HK$29,724 | HK$38,557 (+29.7%) | HK$42,086 (+9.2%) | HK$43,905 (+4.3%) | +8.79% |
| 80 y/o | HK$37,755 | HK$37,755 | HK$37,755 | HK$49,082 (+30.0%) | HK$53,611 (+9.2%) | HK$55,908 (+4.3%) | +8.85% |
| 85 y/o | HK$46,824 | HK$46,824 | HK$46,824 | HK$54,982 (+17.4%) | HK$60,194 (+9.5%) | HK$62,804 (+4.3%) | +6.55% |
| 90 y/o | HK$58,073 | HK$58,073 | HK$58,073 | HK$60,977 (+5.0%) | HK$66,406 (+8.9%) | HK$69,322 (+4.4%) | +3.90% |
| 95 y/o | HK$72,023 | HK$72,023 | HK$72,023 | HK$75,624 (+5.0%) | HK$81,533 (+7.8%) | HK$84,919 (+4.2%) | +3.62% |
| 99 y/o | HK$85,561 | HK$85,561 | HK$85,561 | HK$89,839 (+5.0%) | HK$96,208 (+7.1%) | HK$100,056 (+4.0%) | +3.44% |
| All ages average | — | 0.0% | 0.0% | +9.1% | +7.9% | +4.7% | — |
0 y/oHK$5,398
5 y/oHK$4,216
10 y/oHK$3,701
15 y/oHK$3,188
20 y/oHK$3,528
25 y/oHK$4,004
30 y/oHK$4,546
35 y/oHK$5,163
40 y/oHK$5,884
45 y/oHK$7,259
50 y/oHK$8,989
55 y/oHK$11,418
60 y/oHK$14,504
65 y/oHK$18,423
70 y/oHK$23,400
75 y/oHK$29,724
80 y/oHK$37,755
85 y/oHK$46,824
90 y/oHK$58,073
95 y/oHK$72,023
99 y/oHK$85,561
0.0%
All-ages avg
0 y/oHK$5,398
5 y/oHK$4,216
10 y/oHK$3,701
15 y/oHK$3,188
20 y/oHK$3,528
25 y/oHK$4,004
30 y/oHK$4,546
35 y/oHK$5,163
40 y/oHK$5,884
45 y/oHK$7,259
50 y/oHK$8,989
55 y/oHK$11,418
60 y/oHK$14,504
65 y/oHK$18,423
70 y/oHK$23,400
75 y/oHK$29,724
80 y/oHK$37,755
85 y/oHK$46,824
90 y/oHK$58,073
95 y/oHK$72,023
99 y/oHK$85,561
0.0%
All-ages avg
0 y/oHK$5,398
5 y/oHK$4,216
10 y/oHK$3,701
15 y/oHK$3,188
20 y/oHK$3,528
25 y/oHK$4,004
30 y/oHK$4,546
35 y/oHK$5,163
40 y/oHK$5,884
45 y/oHK$7,259
50 y/oHK$8,989
55 y/oHK$11,418
60 y/oHK$14,504
65 y/oHK$18,423
70 y/oHK$23,400
75 y/oHK$29,724
80 y/oHK$37,755
85 y/oHK$46,824
90 y/oHK$58,073
95 y/oHK$72,023
99 y/oHK$85,561
+9.1%
All-ages avg
0 y/oHK$5,668 (+5.0%)
5 y/oHK$4,427 (+5.0%)
10 y/oHK$3,886 (+5.0%)
15 y/oHK$3,347 (+5.0%)
20 y/oHK$3,592 (+1.8%)
25 y/oHK$4,004
30 y/oHK$4,546
35 y/oHK$5,163
40 y/oHK$5,884
45 y/oHK$7,259
50 y/oHK$8,989
55 y/oHK$12,097 (+5.9%)
60 y/oHK$16,706 (+15.2%)
65 y/oHK$23,444 (+27.3%)
70 y/oHK$30,289 (+29.4%)
75 y/oHK$38,557 (+29.7%)
80 y/oHK$49,082 (+30.0%)
85 y/oHK$54,982 (+17.4%)
90 y/oHK$60,977 (+5.0%)
95 y/oHK$75,624 (+5.0%)
99 y/oHK$89,839 (+5.0%)
+7.9%
All-ages avg
0 y/oHK$6,094 (+7.5%)
5 y/oHK$4,699 (+6.1%)
10 y/oHK$4,068 (+4.7%)
15 y/oHK$3,508 (+4.8%)
20 y/oHK$3,796 (+5.7%)
25 y/oHK$4,294 (+7.2%)
30 y/oHK$4,928 (+8.4%)
35 y/oHK$5,620 (+8.9%)
40 y/oHK$6,413 (+9.0%)
45 y/oHK$7,909 (+9.0%)
50 y/oHK$9,836 (+9.4%)
55 y/oHK$13,191 (+9.0%)
60 y/oHK$18,136 (+8.6%)
65 y/oHK$25,426 (+8.5%)
70 y/oHK$32,859 (+8.5%)
75 y/oHK$42,086 (+9.2%)
80 y/oHK$53,611 (+9.2%)
85 y/oHK$60,194 (+9.5%)
90 y/oHK$66,406 (+8.9%)
95 y/oHK$81,533 (+7.8%)
99 y/oHK$96,208 (+7.1%)
+4.7%
All-ages avg
0 y/oHK$6,457 (+6.0%)
5 y/oHK$4,936 (+5.0%)
10 y/oHK$4,237 (+4.2%)
15 y/oHK$3,652 (+4.1%)
20 y/oHK$3,951 (+4.1%)
25 y/oHK$4,479 (+4.3%)
30 y/oHK$5,160 (+4.7%)
35 y/oHK$5,916 (+5.3%)
40 y/oHK$6,794 (+5.9%)
45 y/oHK$8,407 (+6.3%)
50 y/oHK$10,475 (+6.5%)
55 y/oHK$13,801 (+4.6%)
60 y/oHK$18,926 (+4.4%)
65 y/oHK$26,463 (+4.1%)
70 y/oHK$34,201 (+4.1%)
75 y/oHK$43,905 (+4.3%)
80 y/oHK$55,908 (+4.3%)
85 y/oHK$62,804 (+4.3%)
90 y/oHK$69,322 (+4.4%)
95 y/oHK$84,919 (+4.2%)
99 y/oHK$100,056 (+4.0%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-09-15
0 y/o+3.95%
5 y/o+3.46%
10 y/o+2.96%
15 y/o+2.98%
20 y/o+2.48%
25 y/o+2.45%
30 y/o+2.77%
35 y/o+2.98%
40 y/o+3.15%
45 y/o+3.22%
50 y/o+3.36%
55 y/o+4.18%
60 y/o+5.92%
65 y/o+8.14%
70 y/o+8.54%
75 y/o+8.79%
80 y/o+8.85%
85 y/o+6.55%
90 y/o+3.90%
95 y/o+3.62%
99 y/o+3.44%
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 2026-09-15
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.