Cigna VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00016-01-000-06. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$16,150 |
| 45 | HK$25,720 |
| 60 | HK$53,933 |
| 75 | HK$115,239 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$30,000,000 |
| Lifetime limit | None |
| Room and board | HK$750 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$750 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$50,000 |
| 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$3,000 |
| Psychiatric treatment | HK$30,000 |
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.20 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 30-day cooling-off period, provided no benefit payment p.4 |
| Switching from another plan | Can switch to another plan with upgrade/addition of benefits with limited re-underwriting; can switch to plan with downgrade/reduction of benefits without re-underwriting (at company's discretion) p.13 |
| Room class | Semi-Private Room for Hong Kong, Macau and US; Private Room for elsewhere p.35 |
| If a higher room is used | Benefits payable up to Standard Plan limits, unless involuntary upgrade p.36 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam) p.33 |
| Psychiatric treatment area | Hong Kong only p.33 |
| Emergency treatment abroad | Covered worldwide p.33 |
| Full cover on core benefits | yes p.46 |
| Annual limit | 30,000,000 p.47 |
| Lifetime limit | none p.16 |
| Deductible options | 0 p.46 |
| How the deductible applies | Per Policy Year, with one-off right to reduce or remove at ages 60, 65, 70, 75, 80, 85 p.33 |
| Coinsurance | none p.46 |
| Pre-admission outpatient | Maximum 1 visit more than 30 days before admission; all visits within 30 days before admission. No dollar limit. p.46 |
| Post-discharge outpatient | All follow-up visits within 90 days after discharge; all follow-up visits within 365 days after discharge for major/complex surgery. No dollar limit. p.47 |
| General outpatient | none |
| Psychiatric treatment | No dollar limit p.47 |
| Diagnostic imaging coinsurance | none p.46 |
| Non-surgical cancer treatment | full cover p.46 |
| Kidney dialysis | full cover p.47 |
| Day case procedures | Covered as in-patient, no dollar limit p.16 |
| Home nursing | HKD 1,000 per day, maximum 90 days per Policy Year p.47 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during confinement and as follow-up outpatient care, no dollar limit p.17 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | none p.23 |
| Emergency dental | Covered for injury to sound natural teeth within 2 weeks after accident, no dollar limit p.39 |
| Hospital cash | HKD 1,500 per day for second claims (max 30 days); HKD 1,000 per day for lower ward class in private HK hospital (max 30 days) p.47 |
| Companion bed | full cover p.38 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-approval required for non-Tier 3 hospitals in mainland China p.34 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment/appliances; traditional Chinese medicine/alternative treatments. p.22 |
At a constant age of 45, Cigna has filed 5 schedule changes on this plan since 2021, an average of +8.8% a year, taking the premium from HK$13,678 to HK$25,720.
| Year | Change |
|---|---|
| 2022 | +10.0% |
| 2023 | +11.0% |
| 2024 | +18.8% |
| 2025 | +12.7% |
| 2026 | +15.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Semi-Private Room - HKD0 Deductible | Semi-private | None | HKD 30,000,000 per Policy Year |
| Semi-Private Room - HKD0 Deductible | Semi-private | None | HKD 30,000,000 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.