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Cigna VHIS plans compared

Compare 3 products sharing Cigna / VHIS medical: currencies HKD, premium-payment options Renewable, issue-age span 15 days to 80 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

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Last checked

Years 2025–2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

How complete is this VHIS list and how do I check an intermediary?

The official list contains 33 standard and 70 flexi plan/provider entries (103 total), covering 579 certification/version/option records. These are different counting units. Currency lists are subsets of the total across currencies; the same plan may appear in both.

Inclusion is not evidence of availability for new applications. The lists include renewal-only and unavailable plans, and deregistered VHIS providers. Match the offering legal entity and full certification number to the policy version; check the product's sourced availability notes. The Liberty series landing record is an umbrella, excluded from these individual-plan counts.

Where can I find a neutral list of VHIS plans and verify a licensed broker?

Use the Health Bureau’s certified-plan lists and our source-backed VHIS comparison pages to browse plans in alphabetical order. Certification records are not recommendations or proof of current availability. Check the broker firm and the person advising you in the IA public register; residence eligibility, underwriting and the permitted signing process need separate confirmation. [V3, V6]

Browse VHIS comparisons and check the certification version, deductible, exclusions, territorial cover and renewal-only notes against the official list. [V3, V5] Our licence verification guide explains independent register and contact checks. This site provides information and referrals to a licensed Hong Kong broker; individual advice belongs with the licensed intermediary. Mainland visitors must sign in Hong Kong. [V6]

[V3][V5][V5][V6]

Insurers (33)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 3 / 3

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisMinimum premium & basisVHIS plan typePublished key exclusions (not exhaustive)
Cigna VHIS Series - Flexi Plan (SMM)CignaVHIS medical Source1HKD Source2Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal. Source2Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal. Source215 days to 80 years / Age basis: Age last birthday Source2HKD 4,480 / Annual / Standard non-smoker rate, ages 5–17, effective ; before levy, discounts and underwriting loading. Renewal rates may change. Source3Flexi Plan Source1Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions. Source4
Cigna VHIS Series - Flexi Plan (Superior)CignaVHIS medical Source5HKD Source2Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal. Source2Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal. Source215 days to 80 years / Age basis: Age last birthday Source2HKD 3,010 / Annual / Age 14 non-smoker; semi-private, HKD 75,000 deductible; annual rate , before levy, discounts and loading. Other options differ. Source6Flexi Plan Source5Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions. Source7
Cigna VHIS Series - Standard PlanCignaVHIS medical Source8HKD Source9Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal. Source9Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal. Source915 days to 80 years / Age basis: Age last birthday Source9HKD 2,339 / Annual / Standard non-smoker rate, ages 5–17, effective ; before levy, discounts and underwriting loading. Renewal rates may change. Source10Standard Plan Source8Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions. Source11

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable factsCigna VHIS Series - Flexi Plan (SMM)Cigna VHIS Series - Flexi Plan (Superior)Cigna VHIS Series - Standard Plan
What it pays and when
  • Benefit term: Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal.
  • The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.
Public source · Checked Public source · Checked
  • Benefit term: Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal.
  • The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.
Public source · Checked Public source · Checked
  • Benefit term: Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal.
  • The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.
Public source · Checked Public source · Checked
Benefit limitsIn the checked HKD certified variant, the scheduled annual benefit limit is HKD1,000,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.Public source · Checked In the checked HKD certified variant, the scheduled annual benefit limit is HKD30,000,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.Public source · Checked In the checked HKD certified variant, the scheduled annual benefit limit is HKD420,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.Public source · Checked
Guaranteed / non-guaranteedIn the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.Public source · Checked In the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.Public source · Checked In the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.Public source · Checked
Waiting periodsThe checked clause makes eligible expenses from unknown pre-existing conditions payable under the plan terms when the policyholder and insured were not aware, and would not reasonably have been aware, of the condition at application. Other exclusions and benefit limits still apply.Public source · Checked The checked clause makes eligible expenses from unknown pre-existing conditions payable under the plan terms when the policyholder and insured were not aware, and would not reasonably have been aware, of the condition at application. Other exclusions and benefit limits still apply.Public source · Checked For unknown pre-existing conditions as defined in the checked terms, reimbursement is 0% in policy year 1, 25% in year 2, 50% in year 3 and full cover from year 4, subject to policy terms.Public source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions.
  • Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions.
  • Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions.
  • Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.
Public source · Checked Public source · Checked
Deductibles / room / renewalVHIS plan type: Flexi PlanPublic source · Checked VHIS plan type: Flexi PlanPublic source · Checked VHIS plan type: Standard PlanPublic source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesCigna VHIS Series - Flexi Plan (SMM)Cigna VHIS Series - Flexi Plan (SMM)Cigna VHIS Series - Flexi Plan (Superior)Cigna VHIS Series - Flexi Plan (Superior)Cigna VHIS Series - Standard PlanCigna VHIS Series - Standard PlanWhat it pays and whenWhat it pays and whenBenefit term: Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal. · The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.Benefit term: Renewable / …Benefit term: Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal. · The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.Benefit term: Renewable / …Benefit term: Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal. · The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.Benefit term: Renewable / …Benefit limitsBenefit limitsIn the checked HKD certified variant, the scheduled annual benefit limit is HKD1,000,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.In the checked HKD certifi…In the checked HKD certified variant, the scheduled annual benefit limit is HKD30,000,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.In the checked HKD certifi…In the checked HKD certified variant, the scheduled annual benefit limit is HKD420,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.In the checked HKD certifi…Guaranteed / non-guaranteedGuaranteed / non-guarantee…In the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.In the checked variants, r…In the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.In the checked variants, r…In the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.In the checked variants, r…Waiting periodsWaiting periodsThe checked clause makes eligible expenses from unknown pre-existing conditions payable under the plan terms when the policyholder and insured were not aware, and would not reasonably have been aware, of the condition at application. Other exclusions and benefit limits still apply.The checked clause makes e…The checked clause makes eligible expenses from unknown pre-existing conditions payable under the plan terms when the policyholder and insured were not aware, and would not reasonably have been aware, of the condition at application. Other exclusions and benefit limits still apply.The checked clause makes e…For unknown pre-existing conditions as defined in the checked terms, reimbursement is 0% in policy year 1, 25% in year 2, 50% in year 3 and full cover from year 4, subject to policy terms.For unknown pre-existing c…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions. · Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.Published key exclusions (…Published key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions. · Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.Published key exclusions (…Published key exclusions (not exhaustive): Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions. · Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.Published key exclusions (…Deductibles / room / renewalDeductibles / room / renew…VHIS plan type: Flexi PlanVHIS plan type: Flexi PlanVHIS plan type: Flexi PlanVHIS plan type: Flexi PlanVHIS plan type: Standard PlanVHIS plan type: Standard P…
A–Z (3)

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Sources & verification dates

Sources & verification dates

Checked:

  1. Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown

    Source date: Not confirmed

  2. Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date

    Source date: / Page: 7

  3. Shared premium appendix; PDF page 9 non-smoker annual standard premium; effective

    Source date: / Page: 9

  4. F00012-01-000-03 wording; PDF page 23 / Part 7 General Exclusions; publication date unknown

    Source date: Not confirmed / Page: 23

  5. Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown

    Source date: Not confirmed

  6. Brochure premium table; PDF page 25; effective

    Source date: / Page: 25

  7. Product brochure; PDF page 19 selected exclusions; full list and exceptions in wording

    Source date: / Page: 19

  8. Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown

    Source date: Not confirmed

  9. Product brochure; PDF page 1 plan at a glance; edition code date, not policy effective date

    Source date: / Page: 1

  10. Shared premium appendix; PDF page 8 non-smoker annual standard premium; effective

    Source date: / Page: 8

  11. Product brochure; PDF page 5 selected exclusions; full list and exceptions in wording

    Source date: / Page: 5

Information, not advice; we refer to a licensed Hong Kong broker.

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