Premium & Coverage of Semi-Private or Private Room Medical Plans

Long queues and overloading is common at public hospitals in Hong Kong. If budgets allow, many people would rather opt for the private sector for earlier treatments. However, private hospitals have various charging schemes and ward types. Is your insurance plan able to cover all your expenses at private hospitals? In this article, Cigna Smart Health will explain the coverage and premium related to semi-private or private ward plans.

Room Types of Private Hospitals

Common room types of private hospitals include general wards (standard rooms), semi-private rooms, and private rooms. Some hospitals may even provide more premium options, such as suite and VIP rooms. Below are the three standard room types with their services.

Room Types	Services
General ward	2 to 8 patients in a ward Shared restroom and bathing facilities
Semi-private single room	1 to 3 patients in a room Shared restroom and bathing facilities Individual room with shared restroom can be arranged by cases
Private room	1 patient in a room Private restroom and bathing facilities

Comparison on Insurance Coverage by Room Types

In the market, you can choose your medical insurance plans of different room types with their respective premiums, depending on your needs and budget. Apart from hospitalization fees, some plans also cover medical expenses incurred from related items, such as private nurses, medical appliances, and post-hospitalization auxiliary treatment. Therefore, their annual coverage limits are relatively higher. You can see the comparison in the table below.

	Common Medical Insurance	High-End Medical Insurance
Annual Premium*	HK$3,000 up	HK$10,000 up
Annual Limit^	Around HK$ 300,000 to 3,000,000	Over HK$ 30,000,000
Room Types	General Wards	Semi-Private / Private / Premium Rooms
Coverage	Medical expenses may not be fully covered	Fully covered^

*Estimate from a case of 35-year-old non-smoker
^Benefits are reimbursed on Medically Necessary and Reasonable and Customary basis

However, your actual premium rate is subject to your lifestyle, conditions, needs and insured amount. You are advised to consult your insurer before subscribing to a medical plan.

Can Cigna Policyholders Confine in Semi-Private or Private Rooms?

Cigna HealthFirst Elite 360 Medical Plan has been recognized as a preferred choice of high-end medical insurance plan in the market. It offers coverage on semi-private rooms and standard private rooms with superior annual limits of up to HK$30M and HK$50M, respectively. The Plan also garnered 5 Star Rating at Semi-Private Room Level.

Furthermore, Cigna VHIS Series offers medical insurance plans according to your preferred accommodation room types, namely the Flexi Plan (Superior): Semi-Private and the brand-new Flexi Plan (Superior): Ward.

Cigna VHIS Series & Cigna HealthFirst Elite 360 Medical Plan

Traditional medical insurance plans set benefit limits for surgical expenses and other miscellaneous items. However, Cigna gets you covered on your medical expenses with high annual benefit limits of up to HK$30M and HK$50M offered by Cigna VHIS Series – Flexi Plan (Superior) and Cigna HealthFirst Elite 360 Medical Plan, respectively. With unlimited lifetime claims, you need not worry about future medical expenses. The table below shows the coverage details of our plans regarding hospitalization.

Cigna VHIS Series – Flexi Plan (Superior): Semi-Private	Annual Benefit Limit per Policy Year: HK$30,000,000 Full compensation on hospitalization Home nursing for Confinement: HK$1,000 per day (Maximum 90 days per Policy Year) Unlimited lifetime claims
Cigna VHIS Series – Flexi Plan (Superior): Ward	Annual Benefit Limit per Policy Year: HK$5,000,000 Full compensation on hospitalization Home nursing for Confinement: HK$800 per day (Maximum 90 days per Policy Year) Unlimited lifetime claims
Cigna VHIS Series – Flexi Plan (SMM)	Annual Benefit Limit per Policy Year: HK$570,000 Home nursing for Confinement: HK$700 per day (Maximum 15 days per Policy Year) Unlimited lifetime claims
Cigna VHIS Series – Standard Plan	Annual Benefit Limit per Policy Year: HK$420,000 Unlimited lifetime claims
Cigna HealthFirst Elite 360 Medical Plan	Semi-Private Room Level: Annual Benefit Limit per Policy Year - HK$30M Standard Private Room Level: Annual Benefit Limit per Policy Year - HK$50M All your basic needs are covered, from hospital room and board to surgery, attending physician, specialist, intensive care, and private nursing fee Up to HK$2,000 in cash benefit for each day you’re in hospital Unlimited lifetime claims

The above benefit items are for reference only. Benefits are reimbursed on a Medically Necessary and Reasonable and Customary basis.

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Cigna VHIS Series offers you different medical insurance plans according to your needs. here for details.