Cigna VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00016-08-000-04. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,403 |
| 45 | HK$7,316 |
| 60 | HK$15,819 |
| 75 | HK$38,128 |
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 if unknown and reasonably unaware at application p.20 |
| Waiting period | none |
| Cancellation and refund | Full refund within 30-day cooling-off period if no claim; after cooling-off, cancellation with 30 days' notice if no claim in policy year p.4 |
| Switching from another plan | Switching to another plan is possible; re-underwriting for upgrades, discretion for downgrades p.13 |
| Room class | Standard Ward p.46 |
| If a higher room is used | Benefits payable up to Standard Plan limits, further reduced by any remaining deductible p.35 |
| Geographical cover | Asia (non-emergency) 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 | 5,000,000 p.47 |
| Lifetime limit | none p.47 |
| Deductible options | 25,000 (can be reduced or removed at specific ages) p.46 |
| How the deductible applies | Per Policy Year, with one-off reduction/removal option at ages 60, 65, 70, 75, 80, 85 p.46 |
| Coinsurance | none p.21 |
| Pre-admission outpatient | Maximum 1 visit >30 days before, 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 | No dollar limit p.46 |
| Day case procedures | Covered as in-patient, no dollar limit p.16 |
| Home nursing | 800 HKD per day, maximum 90 days per policy year p.47 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during confinement, post-discharge outpatient, and in rehabilitation centre; limits vary by context p.17 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.23 |
| Pregnancy complications | none p.23 |
| Emergency dental | No dollar limit, within 2 weeks after accident p.47 |
| Hospital cash | 800 HKD per day for second claims, maximum 30 days per policy year 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 | standard VHIS exclusions only p.22 |
At a constant age of 45, Cigna has filed 3 schedule changes on this plan since 2021, an average of +2.8% a year, taking the premium from HK$6,440 to HK$7,316.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | +2.3% |
| 2025 | +8.0% |
| 2026 | +2.8% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Standard Ward - HKD25,000 Deductible | Ward | HK$25,000 | HKD 5,000,000 per Policy Year |
| Standard Ward - HKD25,000 Deductible | Ward | HK$25,000 | 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.