Cigna VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00016-07-000-04. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,160 |
| 45 | HK$8,407 |
| 60 | HK$18,926 |
| 75 | HK$43,905 |
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 p.4 |
| Switching from another plan | Possible to switch to plans with upgraded/added benefits (re-underwriting for new benefits) or downgraded/reduced benefits (Company discretion) p.13 |
| Room class | Standard Ward (i.e., a room in a Hospital with more than double occupancy) p.46 |
| If a higher room is used | Benefits payable up to Standard Plan limits, reduced by any remaining deductible 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, covered in accordance with these Terms and Benefits p.33 |
| Full cover on core benefits | yes p.46 |
| Annual limit | 5000000 p.47 |
| Lifetime limit | none p.47 |
| Deductible options | 15000 p.46 |
| How the deductible applies | Per Policy Year, with option 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. No dollar limit. 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 | Outpatient kidney dialysis (peritoneal and/or haemodialysis) with no dollar limit p.38 |
| Day case procedures | Covered as in-patient equivalent, no dollar limit for procedure itself p.16 |
| Home nursing | HKD 800 per day, maximum 90 days per Policy Year p.38 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during Confinement and for follow-up outpatient visits within 90 days after discharge. No dollar limit. p.17 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.23 |
| Pregnancy complications | none p.23 |
| Emergency dental | Covered for accidental injury to sound natural teeth within 2 weeks after the Accident. No dollar limit. p.39 |
| Hospital cash | HKD 800 per day, maximum 30 days per Policy Year (for second claims cash allowance) p.47 |
| Companion bed | No dollar limit for an extra bed for one companion p.39 |
| 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 and other forms of alternative treatment p.22 |
At a constant age of 45, Cigna has filed 3 schedule changes on this plan since 2021, an average of +3.2% a year, taking the premium from HK$7,259 to HK$8,407.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +9.0% |
| 2026 | +6.3% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Standard Ward - HKD15,000 Deductible | Ward | HK$15,000 | HKD 5,000,000 per Policy Year |
| Standard Ward - HKD15,000 Deductible | Ward | HK$15,000 | 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.