#3
Cigna VHIS Series — Flexi Plan (Superior)
From ~HK$385/mo(HK$385)
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Cigna VHIS Series — Flexi Plan (Superior) (信諾自願醫保系列 — 靈活計劃(優越)) from Cigna Healthcare Hong Kong carries a 9.5/10 actuarial rating with HK$30,000,000 annual medical protection across Ward / Semi-Private / Private tiers.
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View canonical entity profile (2 lists) →Cigna VHIS Series — Flexi Plan (Superior) (信諾自願醫保系列 — 靈活計劃(優越)) from Cigna Healthcare Hong Kong carries a 9.5/10 actuarial rating with HK$30,000,000 annual medical protection across Ward / Semi-Private / Private tiers.
Key Metrics
Insurer
Cigna Healthcare Hong Kong
: 10Life Actuary Score: 9.5 / 10
Annual Coverage Limit
HK$30,000,000
Lifetime Limit
Unlimited (No Lifetime Cap)
Deductible Options
HK$0 / HK$15,000 / HK$25,000 / HK$50,000
Hospital Room Tier
Ward / Semi-Private / Private
VHIS Tax Deduction
Up to HK$8,000/insured/yr
Pros and Cons
Pros
- HK$30M annual limit with no lifetime cap, global ex-US options
- strong outpatient kidney dialysis & non-surgical cancer therapy reimbursement
Cons
- $0 deductible tiers carry premium pricing relative to online-direct VHIS plans
Eligibility
- Hong Kong residents aged 15 days to 80 years
- qualifies for HKSAR Inland Revenue VHIS tax deduction. Promo: Multi-month first-year premium waiver promo + HK$8,000 tax deduction
Things to Watch Out For
- $0 deductible tiers carry premium pricing relative to online-direct VHIS plans
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