Cigna VHIS Series - Flexi Plan (SMM) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00012-01-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,126 |
| 45 | HK$9,267 |
| 60 | HK$18,193 |
| 75 | HK$37,818 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$1,000,000 |
| Lifetime limit | None |
| Room and board | HK$1,200 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$1,200 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$70,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$15,000 |
| Psychiatric treatment | HK$30,000 |
Also includes dental, home nursing, a companion bed, rehabilitation, hospice care, kidney dialysis.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.12 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.21 |
| Waiting period | none |
| Cancellation and refund | Full refund within 30-day cooling-off period if no benefit paid; after cooling-off, cancellation with 30 days notice if no benefit paid in policy year p.4 |
| Switching from another plan | Possible to switch to another plan, but re-underwriting applies for upgrade or additional benefits p.13 |
| Room class | not restricted p.17 |
| If a higher room is used | No benefit payable under supplementary major medical benefit unless upgrade is involuntary (e.g. isolation, room shortage in emergency, or other non-personal preference reasons) p.33 |
| Geographical cover | worldwide p.17 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | covered, subject to annual limit p.17 |
| Full cover on core benefits | no p.40 |
| Annual limit | 1,000,000 p.41 |
| Lifetime limit | none p.17 |
| How the deductible applies | per Policy Year p.24 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 10% for Supplementary Major Medical Benefit (not applicable for Day Patient Medical Services) p.40 |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure, up to $15,000 per Policy Year p.40 |
| Post-discharge outpatient | 10 visits within 90 days after discharge/Day Case Procedure, up to $15,000 per Policy Year p.40 |
| General outpatient | none |
| Psychiatric treatment | 30,000 p.40 |
| Diagnostic imaging coinsurance | 30% p.40 |
| Non-surgical cancer treatment | 80,000 p.40 |
| Kidney dialysis | Covered, up to $30,000 per Policy Year p.40 |
| Day case procedures | Covered as per individual benefit items (e.g. room and board, miscellaneous charges, surgeon's fee) p.18 |
| Home nursing | $700 per day, maximum 15 days per Policy Year p.40 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during Confinement and as pre/post-Confinement/Day Case Procedure outpatient care, subject to limits of those benefits p.18 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.23 |
| Pregnancy complications | none p.23 |
| Emergency dental | $6,600 per Policy Year, if within 2 weeks after Accident p.41 |
| Hospital cash | none |
| Companion bed | $450 per day, maximum 270 days per Policy Year p.41 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not offered, reimbursement basis only p.2 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine and alternative treatments; Venereal and sexually transmitted diseases p.22 |
At a constant age of 45, Cigna has filed 5 schedule changes on this plan since 2021, an average of +5.5% a year, taking the premium from HK$6,209 to HK$9,267.
| Year | Change |
|---|---|
| 2022 | +7.0% |
| 2023 | +6.0% |
| 2024 | +13.4% |
| 2025 | +8.5% |
| 2026 | +7.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Flexi Plan SMM | None | HKD 1,000,000 per Policy Year | |
| Flexi Plan SMM | None | HKD 1,000,000 per Policy Year |
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.