Cigna VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00016-06-000-04. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$10,859 |
| 45 | HK$17,696 |
| 60 | HK$37,103 |
| 75 | HK$81,042 |
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$5,000,000 |
| 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; no refund after cooling-off if benefits paid, otherwise pro-rata refund if terminated by Company or not renewed by Policy Holder p.4 |
| Switching from another plan | Switching to another plan is possible; re-underwriting for upgrades, company discretion for downgrades p.13 |
| Room class | Standard Ward p.46 |
| If a higher room is used | Benefits payable up to Standard Plan limits, reduced by any remaining deductible, unless involuntary upgrade due to isolation, room shortage in emergency, or other non-personal preference reasons. p.35 |
| 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 | Worldwide p.33 |
| Full cover on core benefits | partial p.46 |
| Annual limit | 5,000,000 p.47 |
| Lifetime limit | none p.47 |
| 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 |
| Pre-admission outpatient | No dollar limit; 1 visit more than 30 days before, all visits within 30 days before admission/day case procedure p.46 |
| Post-discharge outpatient | No dollar limit; all follow-up visits within 90 days after discharge/day case procedure p.46 |
| General outpatient | none |
| Psychiatric treatment | No dollar limit p.46 |
| Diagnostic imaging coinsurance | none p.46 |
| Non-surgical cancer treatment | No dollar limit p.46 |
| Kidney dialysis | No dollar limit p.46 |
| Day case procedures | Covered as in-patient, no dollar limit p.16 |
| Home nursing | HKD 800 per day, maximum 90 days per Policy Year p.46 |
| Hospice care | none p.26 |
| Chinese medicine | none p.22 |
| Physiotherapy | Covered during confinement and as part of post-discharge outpatient care (within 90 days after discharge/day case procedure), no dollar limit p.17 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | none p.22 |
| Emergency dental | No dollar limit, within 2 weeks after accident, for injury to sound natural teeth p.39 |
| Hospital cash | HKD 800 per day, maximum 30 days per Policy Year, if other insurance pays for room/board/ICU p.47 |
| Companion bed | No dollar limit for an extra bed for one person accompanying the Insured Person during confinement p.38 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.22 |
At a constant age of 45, Cigna has filed 4 schedule changes on this plan since 2021, an average of +5.9% a year, taking the premium from HK$13,541 to HK$17,696.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | +8.3% |
| 2025 | +8.8% |
| 2026 | +10.9% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Standard Ward - HKD0 Deductible | Ward | None | HKD 5,000,000 per Policy Year |
| Standard Ward - HKD0 Deductible | Ward | None | HKD 5,000,000 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.