Cigna VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00016-02-000-06. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,390 |
| 45 | HK$12,000 |
| 60 | HK$25,522 |
| 75 | HK$63,563 |
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.11 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.20 |
| Waiting period | none |
| Cancellation and refund | Full refund within 30-day cooling-off period; cancellation after cooling-off with 30 days notice if no benefit payment in policy year p.4 |
| Switching from another plan | Possible to switch to another plan, re-underwriting applies for upgraded benefits p.13 |
| Room class | Semi-Private Room (HK, Macau, US); Private Room (elsewhere) p.46 |
| If a higher room is used | Benefits payable up to Standard Plan limits, reduced by remaining deductible, unless involuntary upgrade p.35 |
| Geographical cover | Asia for non-emergency treatment (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 up to annual limit p.33 |
| Full cover on core benefits | yes p.46 |
| Annual limit | 30,000,000 p.47 |
| Lifetime limit | none p.47 |
| Deductible options | 0, 15000 p.46 |
| How the deductible applies | Per Policy Year, reducible/removable at ages 60, 65, 70, 75, 80, 85 p.33 |
| Coinsurance | none p.46 |
| Pre-admission outpatient | No dollar limit for 1 visit >30 days before, and all visits within 30 days before admission/Day Case Procedure p.46 |
| Post-discharge outpatient | No dollar limit for all follow-up visits within 90 days after discharge/Day Case Procedure, or 365 days after discharge for major/complex surgery 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 for most items 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.22 |
| Physiotherapy | Covered during confinement and as follow-up outpatient care p.17 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.23 |
| Pregnancy complications | none p.22 |
| Emergency dental | No dollar limit for emergency treatment necessitated by injury to sound natural teeth within 2 weeks after accident p.47 |
| Hospital cash | HKD 1,500 per day (max 30 days) for second claims; HKD 1,000 per day (max 30 days) for lower ward class in HK private hospital p.47 |
| Companion bed | No dollar limit p.47 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments p.22 |
At a constant age of 45, Cigna has filed 5 schedule changes on this plan since 2021, an average of +4.7% a year, taking the premium from HK$8,480 to HK$12,000.
| Year | Change |
|---|---|
| 2022 | +7.0% |
| 2023 | +4.0% |
| 2024 | +5.9% |
| 2025 | +11.4% |
| 2026 | +7.7% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Semi-Private Room - HKD15,000 Deductible | Semi-private | HK$15,000 | HKD 30,000,000 per Policy Year |
| Semi-Private Room - HKD15,000 Deductible | Semi-private | HK$15,000 | 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.