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Cigna
Cigna VHIS Series - Flexi Plan (Superior)
VHIS-Certified Premium Medical Plan, High Benefit Limit,
Asia/Worldwide Coverage, Unknown Pre-existing Conditions Covered from Year 1
靈活計劃（優越）是香港信諾（Cigna）的 VHIS 政府認證高端醫療險，主打超高保額、亞洲/全球覆蓋、5 檔自付費靈活選擇、終身無上限，並提供扣稅福利。專門對沖大病住院、手術、癌症等高額醫療費用，是家庭核心醫療保障的首選。
- VHIS 認可
- 年度3000萬
- 終身無上限
- 未知舊疾首年賠
- 可扣稅
Latest Insurance Promotions
Find out the limited-time premium rebate & discount of this plan
Information shown is for reference. Actual premiums and promotions depend on individual status.
Key Figures
Ultra-high sum insured plus lifetime unlimited cover, freeing you from worries over medical bills amid serious illness.
Annual Benefit Limit
HK$30 million
Lifetime Benefit Limit
Unlimited
Entry Age
15 days – 80 years old
Renewable up to
100 years
全面保障項目
- 住院食宿、手術費、醫生費、深切治療部（ICU）
- 精神科住院、康復治療（每年 8 萬，最多 60 日）
- 意外急症門診（24 小時內）、意外牙科（2 週內）
- 8 歲後先天性疾病納入保障
- VHIS 稅務扣減：每人每年最高 8,000 港幣
- 癌症治療：化療、電療、標靶、免疫療法
- 複雜手術後 365 天跟進門診（2026 新增）
- 未知已有疾病首年即 100% 賠付
- 全球緊急醫療撤離 / 遣返（最高 100 萬美元）
- 終身一次免費調低 / 取消自付費
Highlights
Product Benefits
From benefit limits and flexible terms to cross-border coverage, the plan fully caters to middle-class families.
Industry-leading benefit limits & full medical treatment coverage
HK$30 million annual benefit limit for semi-private room, lifetime unlimited. Full cover for hospital stay, ICU and all cancer treatments (targeted therapy & immunotherapy). Upgrade to worldwide coverage (Europe & US included) for extra premium.
Unknown Pre-existing Conditions & Extended Follow-up (2026 Upgrade)
100% reimbursement for unknown pre-existing conditions prior to application from the first policy year. Congenital conditions are also covered once the insured reaches age 8. The 2026 enhancement further extends cover to up to 365 days of outpatient follow-up after complex surgeries.
5 deductible tiers to flexibly control your premium
There are 5 deductible tiers ranging from HK$0 to HK$75,000 to help you manage your premium flexibly. You also have a one-time lifetime right to reduce or remove the deductible free of charge without further underwriting.
Tax Relief and No-Claim Bonus
This is a Government-authorised VHIS plan. Each person may claim tax relief of up to HK$8,000 per annum. A free health check-up and renewal premium discount are available upon 3 consecutive claim-free years.
Cross-border Cover & Specialised Medical Treatments
Cover includes Hong Kong semi-private rooms and all Mainland Class A tertiary hospitals. It also covers accident emergencies, dental outpatient visits, plus psychiatric hospitalisation and rehabilitation up to HK$80,000 per year, capped at 60 days.
Global Assistance and Time-limited Rewards
Global medical evacuation and repatriation service of up to USD 1,000,000 is available. Under the exclusive promotional campaign, you may enjoy a 16% discount on the first-year premium and exclusive Cathay Pacific mileage rewards for a limited period.
Premium Reference
保費參考
以下為亞洲區半私家病房、2.5 萬自付費之參考保費，實際保費以核保結果為準。
40 歲男（亞洲半私家，2.5 萬自付費）
約 HK$ 12,000 / 年
40 歲女（亞洲半私家，2.5 萬自付費）
約 HK$ 13,000 / 年
兒童（0–18 歲）
約 HK$ 4,000 – 6,000 / 年
* 自付費越高，保費越便宜；選擇 2.5 萬檔最為均衡。可加費升級為全球覆蓋（含歐美）。
Product Comparison
信諾優越 VS 主流 VHIS VS 普通醫保
相同為 VHIS 認可醫療險，但在保額、覆蓋範圍與舊疾處理上差異顯著。
| 比較項目 | 信諾 靈活計劃（優越） | 保誠 / 安盛 VHIS | 普通醫保 |
|---|---|---|---|
| 每年保額 | 3,000 萬（頂級） | 1,000 – 2,000 萬 | 低，且分項限額多 |
| 內地醫院 | 所有三甲全覆蓋 | 需等待期 | 多數不賠 |
| 未知舊疾 | 首年即 100% 賠付 | 較貴 | 中等 |
| 自付費彈性 | 5 檔可調 + 免費調低 | 1–2 檔 | 固定 |
| 自費藥/標靶 | 全額賠付 | 部分賠付 | 不賠或有上限 |
| 扣稅資格 | VHIS 認可（可扣稅） | VHIS 認可 | 多數不可扣稅 |
* 醫療險管看病、壽險管身故/存錢，兩者互補不替代。此產品為純醫療報銷險，無身故賠償或現金價值。
Who It's For
Suitable and Unsuitable Client Profiles
Evaluate the suitability of this product against your financial plan and risk preference.
Highly Suitable Clients
- Looking to hedge major medical risks such as cancer, heart disease and surgeries.
- Regular cross-border travellers between Hong Kong and Mainland China who need hospital cover in both locations.
- Seeking high benefit limits, lifetime unlimited cover and payout for unknown pre-existing conditions from Year 1.
- Hong Kong employees / self‑employed individuals looking to enjoy VHIS tax relief.
- Have existing corporate group insurance, looking to bridge gaps in high-end private medical cover.
Not Recommended Clients
- Seeking a policy with death benefit and savings components. Note: This is a pure medical insurance plan.
- Only need basic low‑limit outpatient cover. Note: This plan mainly protects hospitalisation & surgeries.
- Applicants with known pre-existing conditions upon application (Pre-existing conditions excluded from cover).
- Cannot accept the requirement to settle the annual deductible before reimbursement is triggered.
- Looking for the cheapest premium and willing to accept lower benefit limits and narrower cover.