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Broker portalCigna VHIS Series
From now to 30 Jun 2025, enjoy up to 8-month premium discount within the first 2 year and HKD $300 shopping voucher upon successful enrollment of Cigna VHIS Flexi (Superior). (Details)
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From now to 30 June 2025, upon successful enrollment of Cigna VHIS Flexi (Superior), you will enjoy up to
The plan offers coverage of up to HK$30,000,000 for semi-private room, no lifetime limit, and medical expenses are fully covered cancer
All cancer treatment expenses are fully covered2,3, including various common non-surgical cancer treatments4
Full cover from day 1 of the Policy Effective Period2,5
Surgeries performed in clinics or day case units of hospitals are also covered with no minimum stay required.
Provides coverage for psychiatric treatments during hospitalization.
Guaranteed renewal up to age 100, regardless of illness claims. Premiums adjust only based on age6.
Premiums you pay for VHIS Certified Plans covering you and your dependants are eligible for tax deduction, based on the Government’s recent update to the Inland Revenue Ordinance. The maximum tax deduction is HK$8,000 per insured person per year, with no cap on the number of policies or dependants you claim a deduction for.
We will start paying for the covered medical expenses once the deductible amount has been reached. The deductible will be covered either by you or your other insurance plan(s).
Provides the most comprehensive protection and cover several accommodation room types
Further extends the cover against costs associated with chronic kidney disease
Extensive coverage at a daily premium as low as $9
VHIS Certified Plans | Flexi Plan (Superior) : Semi-Private |
Flexi Plan (Superior) : Ward |
Flexi Plan (SMM)
|
Standard Plan
|
---|---|---|---|---|
Brochure Download | ||||
Certification Number | F00016-(01-04)-000-04 F00016-05-000-03 |
F00016-(06-08)-000-02 | F00012-01-000-03 | S00031-01-000-02 |
Ward Class | Semi-Private or lower A single or double occupancy room, with a shared bath or shower room in a Hospital |
Standard Ward A room in a Hospital with more than double occupancy |
SMM benefit limited to Standard Ward, otherwise no restriction | No restriction |
Promotion Offers for Successful Enrollment | HK$300 shopping voucher and 8 months premium discount within the first 2 years upon enrollments (Details) | HK$300 shopping voucher and 8 months premium discount within the first 2 years upon enrollments (Details) | ||
Annual Benefit Limit | $30,000,000 | $5,000,000 | $1,000,000 | $420,000 |
Lifetime Benefit Limit | No lifetime benefit limit | No lifetime benefit limit | No lifetime benefit limit | No lifetime benefit limit |
Hospitalization Benefits | No dollar limit | No dollar limit | Enhanced cover | Standard VHIS Cover |
Surgical Benefits | No dollar limit | No dollar limit | Enhanced cover | Standard VHIS cover |
Prescribed Diagnostic Imaging Tests | No dollar limit | No dollar limit | Enhanced cover | Standard VHIS cover |
Prescribed Non-surgical Cancer Treatments | No dollar limit | No dollar limit | Enhanced cover | Standard VHIS cover |
Psychiatric Treatments | No dollar limit | No dollar limit | Enhanced cover | Standard VHIS Cover |
Companion Bed | No dollar limit | No dollar limit | $450 per day Maximum 270 days per policy year | |
Accidental Emergency Outpatient Treatment | No dollar limit (Within 24 hours after the accident) |
No dollar limit (Within 24 hours after the accident) |
$6,600 per Policy Year (Within 24 hours after the accident) |
|
Accidental Emergency Dental treatment | No dollar limit (Within 2 weeks after the accident) |
No dollar limit (Within 2 weeks after the accident) |
$6,600 per Policy Year (Within 2 weeks after the accident) |
|
Enhanced Benefit: Outpatient Kidney Dialysis | No dollar limit | No dollar limit | $30,000 per Policy Year | |
Enhanced Benefit: Home nursing for Confinement | $1,000 per day Maximum 90 days per Policy Year | $800 per day Maximum 90 days per Policy Year | $700 per day Maximum 15 days per Policy Year | |
Annual Deductible options | $0 | $15,000 | $25,000 $50,000| $75,000 |
$0 | $15,000 | $25,000 | ||
Entry Age | 15 days to Age 80 | 15 days to Age 80 | 15 days to Age 80 | 15 days to Age 80 |
Premium payment frequency | Annual / Monthly | Annual / Monthly | Annual / Monthly | Annual / Monthly |
Policy currency | HKD | HKD | HKD | HKD |
This table represents a summary of the product features; please refer to the brochure and policy documents for the full Terms and Benefits.
What makes Certified Plans different from existing products in the market?
There are a few features that make Certified Plans of VHIS Standard Plan and the basic coverage of Flexi Plans different from existing market offerings, including:
Do all Certified Plans offered by different insurers share the same features?
All Standard Plans offered by different insurers share the same core features with standard benefit amounts on the basic coverage.
Meanwhile, the coverage and benefit amounts of Flexi Plans are up to insurers' discretion, although they must be at least as comprehensive as what the Standard Plan offers.
Are Certified Plans only available to Hong Kong residents?
No, there is no special residency restriction under VHIS. However, the tax benefit for VHIS policy holders (and their spouses) is only applicable to Hong Kong taxpayers.
Can I claim for medical expenses incurred outside Hong Kong?
Yes, you can. All Standard Plan coverage (except on psychiatric treatment) is worldwide. Flexi Plans must offer at least Standard Plan level coverage on a worldwide basis, while there can be restrictions on the enhanced coverage by region (e.g. Asia only). In other words, no matter if it is a Standard Plan or Flexi Plan you are holding, you can rest assured that any medical expenses incurred outside Hong Kong will be covered at least to the level of the Standard Plan.
Note that the Supplementary major medical benefit of Flexi Plan (SMM) is restricted to Hong Kong, while the "Full compensation" benefits of Flexi Plan (Superior) are restricted to Asia (including Australia and New Zealand). Refer to the brochure for more detailed explanation.
Do Certified Plans cover my pre-existing health conditions?
Certified Plans cover your unknown pre-existing conditions. Other than Cigna VHIS Series- Standard Plan, Cigna VHIS Series- Flexi Plan (SMM) and Flexi Plan (Superior) full cover unknown Pre-existing Conditions since day 1 of the Policy Effective period.
What if my pre-existing health conditions is congenital?
Certified Plans cover your congenital conditions which have manifested or been diagnosed after the age of 8. Other than Cigna VHIS Series- Standard Plan, Cigna VHIS Series- Flexi Plan (SMM) and Flexi Plan (Superior) full cover unknown Pre-existing Conditions since day 1 of the Policy Effective period.
Do Certified Plans cover Critical Illnesses?
VHIS is a scheme for individual hospitalization insurance products, which reimburse medical expenses incurred on inpatient and outpatient basis. Therefore extra cover on Critical Illness is not guaranteed, depending on Flexi Plans offered by insurers.
How many VHIS plan can I hold?
There is no special limit on the number of policies one can hold under VHIS. However, this is subject to the underwriting rules of each insurance company.
Where can I get more information about VHIS in Hong Kong?
The Food and Health Bureau's VHIS Office maintains a website regarding VHIS, available here. Insurance companies' general conduct is governed by the Insurance Authority, while the Inland Revenue Department is responsible for any claims for tax deduction in connection with VHIS. Details of Cigna's arrangement with regard to the Insurance Authority's levy are available here.
Through what channel can I enroll into a VHIS plan?
For Cigna Healthcare's Certified Plans, you can make purchase:
on our website
with your Independent Financial Advisor
or through our dedicated hotline at (852) 8100 1718
Can I buy VHIS for my family members?
Yes. You can buy online for yourself, your spouse and your children. For other family members (e.g. parents or siblings), please call our hotline (852) 8100 1718 to discuss your options.
Can I apply two VHIS plans for myself? E.g 1 standard plan and 1 Flexi plan
We want to make sure you choose the right Certified Plan, so we don't allow you to buy two similar plans both covering yourself. However, if you already have medical reimbursement cover (whether VHIS or non-VHIS) from another company, you can still apply for one of our Certified Plans.
I have an existing Cigna Healthcare policy. Can I convert between Cigna Healthcare's Certified Plans and other Cigna Healthcare policies?
Yes, you can.
Policy migrations to Cigna Healthcare's Certified Plans from any other Cigna Healthcare products, or vice versa, are all regarded as applications for a new policy. That means that underwriting is required, and the coverage and premiums may be affected by any health conditions that may have developed since you started your original cover.
For policy migration among Certified Plans, re-underwriting is waived for benefit downgrade (e.g. from Flexi Plan to Standard Plan or increasing deductible option). In other cases, i.e. where you are applying to increase your coverage, re-underwriting is required.
If you are an existing Cigna Healthcare policy holder and wish to consider your options with VHIS, please call our hotline on (852) 8100 1718
Where can I find my policy documents after purchase?
Your policy documents will be available on MyCigna App and MyCigna Portal in 2 working days after your application is approved. Once your policy starts, you will receive a welcome email from us containing the instruction to activate your MyCigna account. If you request for printed copies, your policy documents will be issued and mailed to your registered address in 2 working days.
When will the coverage start upon my enrollment of the plan?
Coverage of your plan starts right after we complete our underwriting assessment of your application, provided the initial premium is paid. If you apply online, we will let you know whether your application is successful immediately or whether it requires additional assessment.
Can I split policy ownership with another person?
No—Cigna Healthcare's underwriting practice allows one policy holder per policy.
Can I transfer ownership to another person after the policy has already started?
Yes—we allow transfer of policy ownership at policy renewal only. Normally, the owner of a policy must be the insured person or an immediate relative (e.g. the spouse, parent or adult child of the insured person). In general, if the insured person would be your dependent for tax purposes then we will allow you to own the policy.
Can I have a look at the policy terms of Cigna Healthcare’s Certified Plans?
Sure. Please click the links below or visit VHIS Office website to learn more.
CIGNA Worldwide General Insurance Company Limited (VHIS Provider Registration No. 00031)
Cigna VHIS Series – Standard Plan | S00031-01-000-02
Cigna VHIS Series – Flexi Plan (SMM) | F00012-01-000-03
Cigna VHIS Series – Flexi Plan (Superior) – Ward Level
Cigna VHIS Series – Flexi Plan (Superior) – Semi-Private Level
For Policies which successfully transferred from the designated Certified Plans of Chubb Life Insurance Hong Kong Limited (VHIS Provider Registration No. 00044) to the above Certified Plans on 1 January 2023, a policy endorsement that outlines the special terms and conditions relevant to the policy transfer shall be attached to and form part of the Policy. Please contact our hotline (852) 8100 1718 for details.
Can I select any settlement currency other than HKD?
For VHIS policies, we only accept premiums in HKD.
What do I need to be able to buy online now?
Before you start your online purchase, please make sure you have below information ready:
How can I pay?
You can pay online with your credit card. We accept VISA and Mastercard. If you wish to pay using a different method, please call our hotline on (852) 8100 1718
How do I know my online application is completed successfully?
You will receive a confirmation email once your application is completed. An enrollment summary will also be available in that email.
How does the tax deduction work?
The tax deduction is an additional incentive for HK citizens to purchase Certified Plans under VHIS. When you file your tax return, any premiums you or your spouse have paid towards VHIS Certified Plans can be deducted from your total taxable income (subject to a deduction ceiling of HK$8,000 per insured person per year).
If I have more than one VHIS policy, can I deduct all the premiums?
There is no cap on the number of VHIS policies you can claim tax deduction for, however the total annual deductible amount is HK$8,000 per insured person. This means if you have VHIS policies covering different dependants, you have a separate HK$8,000 quota per dependant, with no cap on the number of dependants insured.
When can I start including my premiums in my tax return?
Premiums paid into VHIS plans from 1 April 2019 will count towards tax deduction, so the first tax year affected will be the one ending 31 March 2020.
Soon after the end of each tax year following VHIS launch, we will provide you with a record of all eligible premiums paid (along with any premium refunds made) during that tax year. You can use this as reference when filing your tax return. Note that you can only claim tax deduction on VHIS premiums paid during the applicable tax year.
With effect from 1 April 2023, the definition of "Hospital" in Part 8 "Definition" of your VHIS policy terms and conditions shall be refined to make clear that it shall include public hospitals as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) and hospitals for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong), subject to other conditions of (b), (c) and (d) in the definition. The relevant Supplement will be sent to all policy holders concerned on or before the respective policy renewals from 1 April 2023.
For any queries, please contact us through our dedicated hotline at (852) 8100 1718
The product information included in the website does not contain the full terms of the Policy and the full terms can be found in the Policy document.
Cooling-off right and Policy Cancellation
You may cancel your policy and obtain a refund of any premium(s) and levy paid by you within the cooling-off period. The cooling-off period is the period of 30 calendar days immediately following either the day of delivery of the policy or the cooling-off notice to you or your nominated representative (whichever is the earlier). The cooling-off notice is a notice that will be sent to you or your nominated representative by Cigna Worldwide General Insurance Company Limited to notify you of the cooling-off period around the time the policy is delivered. To exercise this right, a written notice of cancellation must be signed by you and received directly by Cigna Worldwide General Insurance Company Limited at 16/F, 348 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong within the cooling-off period. No refund can be made if a claim has been made.
After the cooling-off period, the Policy Holder can request cancellation of the policy by giving thirty (30) days prior written notice to the Company, provided that there has been no benefit payment under the policy during the relevant Policy Year.
Claims Procedure
To make a claim, please login to our customer portal or register at http://www.mycigna.com.hk or download our MyCigna app. For details of procedures by claims type, please visit the Company website.
Reasonable and Customary
Reasonable and Customary shall mean, in relation to a charge for Medical Service, such level which does not exceed the general range of charges being charged by the relevant service providers in the locality where the charge is incurred for similar treatment, services or supplies to individuals with similar conditions, e.g. of the same sex and similar Age, for a similar Disability, as reasonably determined by the Company in utmost good faith. The Reasonable and Customary charges shall not in any event exceed the actual charges incurred.
In determining whether a charge is Reasonable and Customary, the Company shall make reference to the followings (if applicable)-
Medically Necessary
Medically Necessary shall mean the need to have medical service for the purpose of investigating or treating the relevant Disability in accordance with the generally accepted standards of medical practice and such medical service must –
Pre-existing Conditions
Pre-existing Condition means any Sickness, Disease, Injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the Policy Issuance Date or the Policy Effective Date, whichever is the earlier. You are considered to be aware of a Pre-existing Condition where –
If you are requested but fail to disclose to us upon submission of the insurance application, including any updates of and changes to the required information, that the Insured Person is suffering from a Pre-existing Condition of which the Policy Holder or the Insured Person is aware or should have reasonably been aware of at the time of submission of Application, the Company has the right to declare the relevant insurance policy void, demand repayment of any benefits paid and/or refuse to provide coverage under its terms and benefits. In such event, the Company shall refund the premium.
Premium
Non-payment of Premium
If you fail to pay the initial premium, your Policy will not take effect from the commencement date of your Policy. Except for the initial premium payment, there will be a grace period of 30 days after any premium due date. Your Policy will remain effective during this grace period. If any premium is not paid at the end of the grace period, your Policy will lapse on the premium due date and you will lose the insurance cover.
We will not make any claim payment or any other payment payable under the Policy, until we receive payment of all outstanding premium up to the date of the claim payment or when the Policy terminates.
Duplicated policy
Each person can only be covered under one single “Cigna VHIS Series” policy. The series includes “Cigna VHIS Series – Standard Plan”, “Cigna VHIS Series – Flexi Plan(SMM)”, “Cigna VHIS Series – Flexi Plan (Superior)” and any other insurance policies that fall under the “Cigna VHIS Series” as defined and issued by the Company from time to time.
Existing holders of “Cigna HealthFirst Medical Plan Series” policies should contact the Company to discuss their options with regard to policy migration.
Conversion of policy
If you have an existing medical insurance policy and intend to switch the coverage to this plan, please be aware of the potential implications in terms of insurability, claims eligibility and financial values regarding the change to the insurance arrangement.
Some benefits under the existing policy may be changed or not be covered under this plan due to changes in policy features, Age, health conditions, occupation, lifestyle, habit or recreational activities. Also, riders or supplementary benefits under your existing insurance policy may not be available under this plan.
Benefits under the existing insurance policy will no longer be payable to you if you surrender the policy or allow it to lapse. Besides, you may need to start a new waiting period (if any) in respect of certain benefits under the terms and conditions of the new policy.
Renewal
This Policy shall be effective for an initial period of twelve (12) months and is thereafter guaranteed to be automatically renewable for successive periods of twelve (12) months up to the Age of one hundred (100) years of the Insured Person. The Company shall have the right to revise the Terms and Benefits of the Policy and/or the Premium upon each renewal.
Termination
Inflation risk
Your current planned benefit may not be sufficient to meet your future needs since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations.
KEY EXCLUSIONS
The following list is for reference only and it is not a full list of exclusions. Please refer to the Terms and Conditions for the complete list and details of exclusions.
Cigna Healthcare shall not pay any benefits in relation to or arising from the following:
Remarks:
“Cigna Healthcare”, “the Company”, “We”, “our” or “us” herein refers to Cigna Worldwide General Insurance Company Limited.
Phone
(852) 2539 9222Fax
(852) 2886 3722Address
16/F, 348 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong
Hotline & Service Counter :
Mon-Fri 9:00am -5:30pm, Closed Public Holidays
Cigna Worldwide General Insurance Company Limited has been authorized and regulated by the Insurance Authority to carry out general insurance business in or from the Hong Kong SAR. Cigna Worldwide General Insurance Company Limited ("Cigna Healthcare"), © 2025 Cigna Healthcare. All rights reserved