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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 · F00016-08-000 · 6 versions · Flexi plan · Avg. annual increase +4.22%
| Age | F00016-08-000-01 2022-01-27 | F00016-08-000-01 2022-04-01 | F00016-08-000-02 2023-07-01 | F00016-08-000-02 2024-07-01 | F00016-08-000-03 2025-07-01 | F00016-08-000-04 2026-07-01 | Avg. annual increase |
|---|---|---|---|---|---|---|---|
| 0 | HK$4,790 | HK$4,790 | HK$4,790 | HK$5,030 (+5.0%) | HK$5,368 (+6.7%) | HK$5,506 (+2.6%) | +3.16% |
| 5 | HK$3,742 | HK$3,742 | HK$3,742 | HK$3,929 (+5.0%) | HK$4,145 (+5.5%) | HK$4,220 (+1.8%) | +2.73% |
| 10 | HK$3,285 | HK$3,285 | HK$3,285 | HK$3,449 (+5.0%) | HK$3,594 (+4.2%) | HK$3,634 (+1.1%) | +2.28% |
| 15 | HK$2,829 | HK$2,829 | HK$2,829 | HK$2,970 (+5.0%) | HK$3,097 (+4.3%) | HK$3,130 (+1.1%) | +2.29% |
| 20 | HK$3,130 | HK$3,130 | HK$3,130 | HK$3,187 (+1.8%) | HK$3,348 (+5.1%) | HK$3,384 (+1.1%) | +1.76% |
| 25 | HK$3,553 | HK$3,553 | HK$3,553 | HK$3,558 (+0.1%) | HK$3,785 (+6.4%) | HK$3,832 (+1.2%) | +1.71% |
| 30 | HK$4,034 | HK$4,034 | HK$4,034 | HK$4,034 | HK$4,335 (+7.5%) | HK$4,403 (+1.6%) | +1.98% |
| 35 | HK$4,580 | HK$4,580 | HK$4,580 | HK$4,704 (+2.7%) | HK$5,068 (+7.7%) | HK$5,168 (+2.0%) | +2.74% |
| 40 | HK$5,221 | HK$5,221 | HK$5,221 | HK$5,523 (+5.8%) | HK$5,952 (+7.8%) | HK$6,096 (+2.4%) | +3.53% |
| 45 | HK$6,440 | HK$6,440 | HK$6,440 | HK$6,591 (+2.3%) | HK$7,116 (+8.0%) | HK$7,316 (+2.8%) | +2.89% |
| 50 | HK$7,974 | HK$7,974 | HK$7,974 | HK$8,167 (+2.4%) | HK$8,854 (+8.4%) | HK$9,119 (+3.0%) | +3.05% |
| 55 | HK$10,128 | HK$10,128 | HK$10,128 | HK$10,309 (+1.8%) | HK$11,183 (+8.5%) | HK$11,517 (+3.0%) | +2.92% |
| 60 | HK$12,865 | HK$12,865 | HK$12,865 | HK$14,236 (+10.7%) | HK$15,387 (+8.1%) | HK$15,819 (+2.8%) | +4.73% |
| 65 | HK$16,340 | HK$16,340 | HK$16,340 | HK$20,793 (+27.3%) | HK$22,422 (+7.8%) | HK$22,993 (+2.5%) | +7.94% |
| 70 | HK$20,755 | HK$20,755 | HK$20,755 | HK$26,866 (+29.4%) | HK$28,986 (+7.9%) | HK$29,729 (+2.6%) | +8.37% |
| 75 | HK$26,363 | HK$26,363 | HK$26,363 | HK$34,197 (+29.7%) | HK$37,109 (+8.5%) | HK$38,128 (+2.7%) | +8.60% |
| 80 | HK$33,487 | HK$33,487 | HK$33,487 | HK$43,534 (+30.0%) | HK$47,278 (+8.6%) | HK$48,566 (+2.7%) | +8.67% |
| 85 | HK$41,531 | HK$41,531 | HK$41,531 | HK$48,766 (+17.4%) | HK$53,074 (+8.8%) | HK$54,540 (+2.8%) | +6.28% |
| 90 | HK$51,509 | HK$51,509 | HK$51,509 | HK$54,085 (+5.0%) | HK$58,583 (+8.3%) | HK$60,224 (+2.8%) | +3.56% |
| 95 | HK$63,883 | HK$63,883 | HK$63,883 | HK$67,077 (+5.0%) | HK$72,000 (+7.3%) | HK$73,891 (+2.6%) | +3.31% |
| 99 | HK$75,891 | HK$75,891 | HK$75,891 | HK$79,686 (+5.0%) | HK$85,017 (+6.7%) | HK$87,154 (+2.5%) | +3.14% |
| All ages average | — | 0.0% | 0.0% | +9.4% | +7.2% | +2.3% | — |
0 y/oHK$4,790
5 y/oHK$3,742
10 y/oHK$3,285
15 y/oHK$2,829
20 y/oHK$3,130
25 y/oHK$3,553
30 y/oHK$4,034
35 y/oHK$4,580
40 y/oHK$5,221
45 y/oHK$6,440
50 y/oHK$7,974
55 y/oHK$10,128
60 y/oHK$12,865
65 y/oHK$16,340
70 y/oHK$20,755
75 y/oHK$26,363
80 y/oHK$33,487
85 y/oHK$41,531
90 y/oHK$51,509
95 y/oHK$63,883
99 y/oHK$75,891
0.0%
All-ages avg
0 y/oHK$4,790
5 y/oHK$3,742
10 y/oHK$3,285
15 y/oHK$2,829
20 y/oHK$3,130
25 y/oHK$3,553
30 y/oHK$4,034
35 y/oHK$4,580
40 y/oHK$5,221
45 y/oHK$6,440
50 y/oHK$7,974
55 y/oHK$10,128
60 y/oHK$12,865
65 y/oHK$16,340
70 y/oHK$20,755
75 y/oHK$26,363
80 y/oHK$33,487
85 y/oHK$41,531
90 y/oHK$51,509
95 y/oHK$63,883
99 y/oHK$75,891
0.0%
All-ages avg
0 y/oHK$4,790
5 y/oHK$3,742
10 y/oHK$3,285
15 y/oHK$2,829
20 y/oHK$3,130
25 y/oHK$3,553
30 y/oHK$4,034
35 y/oHK$4,580
40 y/oHK$5,221
45 y/oHK$6,440
50 y/oHK$7,974
55 y/oHK$10,128
60 y/oHK$12,865
65 y/oHK$16,340
70 y/oHK$20,755
75 y/oHK$26,363
80 y/oHK$33,487
85 y/oHK$41,531
90 y/oHK$51,509
95 y/oHK$63,883
99 y/oHK$75,891
+9.4%
All-ages avg
0 y/oHK$5,030 (+5.0%)
5 y/oHK$3,929 (+5.0%)
10 y/oHK$3,449 (+5.0%)
15 y/oHK$2,970 (+5.0%)
20 y/oHK$3,187 (+1.8%)
25 y/oHK$3,558 (+0.1%)
30 y/oHK$4,034
35 y/oHK$4,704 (+2.7%)
40 y/oHK$5,523 (+5.8%)
45 y/oHK$6,591 (+2.3%)
50 y/oHK$8,167 (+2.4%)
55 y/oHK$10,309 (+1.8%)
60 y/oHK$14,236 (+10.7%)
65 y/oHK$20,793 (+27.3%)
70 y/oHK$26,866 (+29.4%)
75 y/oHK$34,197 (+29.7%)
80 y/oHK$43,534 (+30.0%)
85 y/oHK$48,766 (+17.4%)
90 y/oHK$54,085 (+5.0%)
95 y/oHK$67,077 (+5.0%)
99 y/oHK$79,686 (+5.0%)
+7.2%
All-ages avg
0 y/oHK$5,368 (+6.7%)
5 y/oHK$4,145 (+5.5%)
10 y/oHK$3,594 (+4.2%)
15 y/oHK$3,097 (+4.3%)
20 y/oHK$3,348 (+5.1%)
25 y/oHK$3,785 (+6.4%)
30 y/oHK$4,335 (+7.5%)
35 y/oHK$5,068 (+7.7%)
40 y/oHK$5,952 (+7.8%)
45 y/oHK$7,116 (+8.0%)
50 y/oHK$8,854 (+8.4%)
55 y/oHK$11,183 (+8.5%)
60 y/oHK$15,387 (+8.1%)
65 y/oHK$22,422 (+7.8%)
70 y/oHK$28,986 (+7.9%)
75 y/oHK$37,109 (+8.5%)
80 y/oHK$47,278 (+8.6%)
85 y/oHK$53,074 (+8.8%)
90 y/oHK$58,583 (+8.3%)
95 y/oHK$72,000 (+7.3%)
99 y/oHK$85,017 (+6.7%)
+2.3%
All-ages avg
0 y/oHK$5,506 (+2.6%)
5 y/oHK$4,220 (+1.8%)
10 y/oHK$3,634 (+1.1%)
15 y/oHK$3,130 (+1.1%)
20 y/oHK$3,384 (+1.1%)
25 y/oHK$3,832 (+1.2%)
30 y/oHK$4,403 (+1.6%)
35 y/oHK$5,168 (+2.0%)
40 y/oHK$6,096 (+2.4%)
45 y/oHK$7,316 (+2.8%)
50 y/oHK$9,119 (+3.0%)
55 y/oHK$11,517 (+3.0%)
60 y/oHK$15,819 (+2.8%)
65 y/oHK$22,993 (+2.5%)
70 y/oHK$29,729 (+2.6%)
75 y/oHK$38,128 (+2.7%)
80 y/oHK$48,566 (+2.7%)
85 y/oHK$54,540 (+2.8%)
90 y/oHK$60,224 (+2.8%)
95 y/oHK$73,891 (+2.6%)
99 y/oHK$87,154 (+2.5%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-07-02
0 y/o+3.16%
5 y/o+2.73%
10 y/o+2.28%
15 y/o+2.29%
20 y/o+1.76%
25 y/o+1.71%
30 y/o+1.98%
35 y/o+2.74%
40 y/o+3.53%
45 y/o+2.89%
50 y/o+3.05%
55 y/o+2.92%
60 y/o+4.73%
65 y/o+7.94%
70 y/o+8.37%
75 y/o+8.60%
80 y/o+8.67%
85 y/o+6.28%
90 y/o+3.56%
95 y/o+3.31%
99 y/o+3.14%
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.