Cigna VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00016-03-000-06. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,039 |
| 45 | HK$9,769 |
| 60 | HK$20,911 |
| 75 | HK$53,049 |
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 within 30-day cooling-off period; after cooling-off, 30 days written notice, no refund if benefits paid in policy year p.4 |
| Switching from another plan | Switching to upgrade benefits requires re-underwriting for new benefits; switching to downgrade benefits does not require re-underwriting but is subject to company discretion p.13 |
| Room class | Semi-Private Room (HK, Macau, US); Private Room (elsewhere) p.46 |
| If a higher room is used | Reduced to Standard Plan limits, subject to deductible, unless involuntary upgrade p.35 |
| Geographical cover | Asia p.33 |
| Psychiatric treatment area | Hong Kong only p.33 |
| Emergency treatment abroad | Worldwide, full cover 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, 25000 p.33 |
| How the deductible applies | Per Policy Year, can be reduced or removed at ages 60, 65, 70, 75, 80, 85 p.33 |
| Coinsurance | none p.46 |
| Pre-admission outpatient | 1 visit >30 days before, all visits within 30 days before, no dollar limit p.46 |
| Post-discharge outpatient | All visits within 90 days after discharge (or 365 days 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, no dollar limit 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 post-discharge outpatient care, no dollar limit p.17 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | none p.23 |
| Emergency dental | Full cover, no dollar limit, within 2 weeks after accident p.47 |
| Hospital cash | HKD 1,500 per day for second claims, max 30 days; HKD 1,000 per day for lower ward class, max 30 days p.47 |
| Companion bed | No dollar limit p.47 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-approval for mainland China hospitals p.47 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | 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 +3.5% a year, taking the premium from HK$7,523 to HK$9,769.
| Year | Change |
|---|---|
| 2022 | +7.0% |
| 2023 | +3.0% |
| 2024 | no change |
| 2025 | +9.5% |
| 2026 | +7.6% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Semi-Private Room - HKD25,000 Deductible | Semi-private | HK$25,000 | HKD 30,000,000 per Policy Year |
| Semi-Private Room - HKD25,000 Deductible | Semi-private | HK$25,000 | 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.