{"attribution":{"compiledBy":"Hong Kong Insurance Connect","compiledByZh":"港險通","legalName":"Pineapple bun bun Limited","url":"https://buyhongkonginsurance.com","license":"© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.","cite":"Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link."},"group":{"slug":"insurer-cigna-worldwide-general-insurance-company-limited-medical-vhis","kind":"insurer","type":"medical-vhis"},"summary":{"en":"This page compares 3 products. Compare recorded product facts and their public sources. Payment options, age conditions and currencies remain separate facts. Shared labels do not confirm eligibility. Check each option's conditions.","zh-hant":"本頁比較 3 款產品。 比較已記錄的產品事實及公開來源。繳費選項、年齡條件及貨幣分別列示。 相同標籤不代表符合投保資格；請核對各選項條件。","zh-hans":"本页比较 3 款产品。 比较已记录的产品事实及公开来源。缴费选项、年龄条件及货币分别列示。 相同标签不代表符合投保资格；请核对各选项条件。"},"ratioCaveat":{"en":"Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.","zh-hant":"過往分紅實現率並非未來表現的指標。非保證利益可能改變。此處僅提供一般資訊，沒有排名或產品推薦。","zh-hans":"过往分红实现率并非未来表现的指标。非保证利益可能改变。此处仅提供一般信息，没有排名或产品推荐。"},"comparableFields":["type","currencies","premiumTerms","benefitTerm","issueAges","minimumPremium","vhisPlanType","keyExclusions"],"products":[{"slug":"coverage19-product-scope-cigna-general-f00012","names":{"en":"Cigna VHIS Series - Flexi Plan (SMM)","zh-hant":"信諾自願醫保系列－靈活計劃（附加保障）","zh-hans":"信诺自愿医保系列－灵活计划（附加保障）"},"nameBasis":"insurer-published","insurerSlug":"cigna-worldwide-general-insurance-company-limited","productPaths":["/insurers/cigna-worldwide-general-insurance-company-limited/coverage19-product-scope-cigna-general-f00012/","/zh-hant/insurers/cigna-worldwide-general-insurance-company-limited/coverage19-product-scope-cigna-general-f00012/","/zh-hans/insurers/cigna-worldwide-general-insurance-company-limited/coverage19-product-scope-cigna-general-f00012/"],"insurerPaths":["/insurers/cigna-worldwide-general-insurance-company-limited/","/zh-hant/insurers/cigna-worldwide-general-insurance-company-limited/","/zh-hans/insurers/cigna-worldwide-general-insurance-company-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.cigna.com.hk/en/medical-insurance/vhis/flexi-smm","page":null,"title":"Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown","date":null,"checkedOn":"2026-10-21"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/vhis/Cigna-VHIS-FP(Superior)_E.pdf","page":7,"title":"Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date","date":"2026-07","checkedOn":"2026-10-21"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal.","zh-hant":"每年續保至 100 歲；年繳或月繳。續保保費可調整。","zh-hans":"每年续保至 100 岁；年缴或月缴。续保保费可调整。"}}],"display":{"en":["Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal."],"zh-hant":["可續保 / 每年續保至 100 歲；年繳或月繳。續保保費可調整。"],"zh-hans":["可续保 / 每年续保至 100 岁；年缴或月缴。续保保费可调整。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/vhis/Cigna-VHIS-FP(Superior)_E.pdf","page":7,"title":"Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date","date":"2026-07","checkedOn":"2026-10-21"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal.","zh-hant":"每年續保至 100 歲；年繳或月繳。續保保費可調整。","zh-hans":"每年续保至 100 岁；年缴或月缴。续保保费可调整。"}},"display":{"en":["Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal."],"zh-hant":["可續保 / 每年續保至 100 歲；年繳或月繳。續保保費可調整。"],"zh-hans":["可续保 / 每年续保至 100 岁；年缴或月缴。续保保费可调整。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/vhis/Cigna-VHIS-FP(Superior)_E.pdf","page":7,"title":"Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date","date":"2026-07","checkedOn":"2026-10-21"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"last-birthday","notes":null}],"display":{"en":["15 days to 80 years / Age basis: Age last birthday"],"zh-hant":["出生15日至80歲 / 年齡基準：上次生日年齡"],"zh-hans":["出生15日至80岁 / 年龄基准：上次生日年龄"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/vhis/Cigna-VHIS-FP(Superior)_E.pdf","page":7,"title":"Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date","date":"2026-07","checkedOn":"2026-10-21"}]},{"field":"minimumPremium","value":{"value":4480,"currency":"HKD","basis":"annual","notes":{"en":"Standard non-smoker rate, ages 5–17, effective 2026-07-01; before levy, discounts and underwriting loading. Renewal rates may change.","zh-hant":"標準非吸煙保費，5–17 歲，2026-07-01 生效；未計徵費、折扣及核保附加保費。續保費率可調整。","zh-hans":"标准非吸烟保费，5–17 岁，2026-07-01 生效；未计征费、折扣及核保附加保费。续保费率可调整。"}},"display":{"en":["HKD 4,480 / Annual / Standard non-smoker rate, ages 5–17, effective 2026-07-01; before levy, discounts and underwriting loading. Renewal rates may change."],"zh-hant":["HKD 4,480 / 每年 / 標準非吸煙保費，5–17 歲，2026-07-01 生效；未計徵費、折扣及核保附加保費。續保費率可調整。"],"zh-hans":["HKD 4,480 / 每年 / 标准非吸烟保费，5–17 岁，2026-07-01 生效；未计征费、折扣及核保附加保费。续保费率可调整。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/Cigna-VHIS-SP_E.pdf","page":9,"title":"Shared premium appendix; PDF page 9 non-smoker annual standard premium; effective 1 July 2026","date":"2026-07-01","checkedOn":"2026-10-21"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.cigna.com.hk/en/medical-insurance/vhis/flexi-smm","page":null,"title":"Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown","date":null,"checkedOn":"2026-10-21"}]},{"field":"keyExclusions","value":[{"en":"Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions.","zh-hant":"部分不保事項包括非醫療所需服務。完整清單及例外情況見所引文件。","zh-hans":"部分除外责任包括非医疗必需服务。完整清单及例外情况见所引文件。"}],"display":{"en":["Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions."],"zh-hant":["部分不保事項包括非醫療所需服務。完整清單及例外情況見所引文件。"],"zh-hans":["部分除外责任包括非医疗必需服务。完整清单及例外情况见所引文件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00012/F00012-01-000-03-PlanDoc-e.pdf","page":23,"title":"F00012-01-000-03 wording; PDF page 23 / Part 7 General Exclusions; publication date unknown","date":null,"checkedOn":"2026-10-21"}]}],"ratioSeries":[]},{"slug":"coverage19-product-scope-cigna-general-f00016","names":{"en":"Cigna VHIS Series - Flexi Plan (Superior)","zh-hant":"信諾自願醫保系列－靈活計劃（優越）","zh-hans":"信诺自愿医保系列－灵活计划（优越）"},"nameBasis":"insurer-published","insurerSlug":"cigna-worldwide-general-insurance-company-limited","productPaths":["/insurers/cigna-worldwide-general-insurance-company-limited/coverage19-product-scope-cigna-general-f00016/","/zh-hant/insurers/cigna-worldwide-general-insurance-company-limited/coverage19-product-scope-cigna-general-f00016/","/zh-hans/insurers/cigna-worldwide-general-insurance-company-limited/coverage19-product-scope-cigna-general-f00016/"],"insurerPaths":["/insurers/cigna-worldwide-general-insurance-company-limited/","/zh-hant/insurers/cigna-worldwide-general-insurance-company-limited/","/zh-hans/insurers/cigna-worldwide-general-insurance-company-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.cigna.com.hk/en/medical-insurance/vhis/flexi-superior","page":null,"title":"Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown","date":null,"checkedOn":"2026-10-21"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/vhis/Cigna-VHIS-FP(Superior)_E.pdf","page":7,"title":"Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date","date":"2026-07","checkedOn":"2026-10-21"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal.","zh-hant":"每年續保至 100 歲；年繳或月繳。續保保費可調整。","zh-hans":"每年续保至 100 岁；年缴或月缴。续保保费可调整。"}}],"display":{"en":["Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal."],"zh-hant":["可續保 / 每年續保至 100 歲；年繳或月繳。續保保費可調整。"],"zh-hans":["可续保 / 每年续保至 100 岁；年缴或月缴。续保保费可调整。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/vhis/Cigna-VHIS-FP(Superior)_E.pdf","page":7,"title":"Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date","date":"2026-07","checkedOn":"2026-10-21"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal.","zh-hant":"每年續保至 100 歲；年繳或月繳。續保保費可調整。","zh-hans":"每年续保至 100 岁；年缴或月缴。续保保费可调整。"}},"display":{"en":["Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal."],"zh-hant":["可續保 / 每年續保至 100 歲；年繳或月繳。續保保費可調整。"],"zh-hans":["可续保 / 每年续保至 100 岁；年缴或月缴。续保保费可调整。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/vhis/Cigna-VHIS-FP(Superior)_E.pdf","page":7,"title":"Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date","date":"2026-07","checkedOn":"2026-10-21"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"last-birthday","notes":null}],"display":{"en":["15 days to 80 years / Age basis: Age last birthday"],"zh-hant":["出生15日至80歲 / 年齡基準：上次生日年齡"],"zh-hans":["出生15日至80岁 / 年龄基准：上次生日年龄"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/vhis/Cigna-VHIS-FP(Superior)_E.pdf","page":7,"title":"Product brochure; PDF page 7 plan at a glance; edition code date, not policy effective date","date":"2026-07","checkedOn":"2026-10-21"}]},{"field":"minimumPremium","value":{"value":3010,"currency":"HKD","basis":"annual","notes":{"en":"Age 14 non-smoker; semi-private, HKD 75,000 deductible; annual rate 2026-07-01, before levy, discounts and loading. Other options differ.","zh-hant":"非吸煙、14 歲、半私家病房、HKD 75,000 自付費；標準年繳保費於 2026-07-01 生效，未計徵費、折扣及附加保費。其他選項不同。","zh-hans":"非吸烟、14 岁、半私家病房、HKD 75,000 免赔额；标准年缴保费于 2026-07-01 生效，未计征费、折扣及附加保费。其他选项不同。"}},"display":{"en":["HKD 3,010 / Annual / Age 14 non-smoker; semi-private, HKD 75,000 deductible; annual rate 2026-07-01, before levy, discounts and loading. Other options differ."],"zh-hant":["HKD 3,010 / 每年 / 非吸煙、14 歲、半私家病房、HKD 75,000 自付費；標準年繳保費於 2026-07-01 生效，未計徵費、折扣及附加保費。其他選項不同。"],"zh-hans":["HKD 3,010 / 每年 / 非吸烟、14 岁、半私家病房、HKD 75,000 免赔额；标准年缴保费于 2026-07-01 生效，未计征费、折扣及附加保费。其他选项不同。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/vhis/Cigna-VHIS-FP(Superior)_E.pdf","page":25,"title":"Brochure premium table; PDF page 25; effective 1 July 2026","date":"2026-07-01","checkedOn":"2026-10-21"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.cigna.com.hk/en/medical-insurance/vhis/flexi-superior","page":null,"title":"Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown","date":null,"checkedOn":"2026-10-21"}]},{"field":"keyExclusions","value":[{"en":"Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions.","zh-hant":"部分不保事項包括非醫療所需服務。完整清單及例外情況見所引文件。","zh-hans":"部分除外责任包括非医疗必需服务。完整清单及例外情况见所引文件。"}],"display":{"en":["Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions."],"zh-hant":["部分不保事項包括非醫療所需服務。完整清單及例外情況見所引文件。"],"zh-hans":["部分除外责任包括非医疗必需服务。完整清单及例外情况见所引文件。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/vhis/Cigna-VHIS-FP(Superior)_E.pdf","page":19,"title":"Product brochure; PDF page 19 selected exclusions; full list and exceptions in wording","date":"2026-07","checkedOn":"2026-10-21"}]}],"ratioSeries":[]},{"slug":"coverage19-product-scope-cigna-general-s00031","names":{"en":"Cigna VHIS Series - Standard Plan","zh-hant":"信諾自願醫保系列－標準計劃","zh-hans":"信诺自愿医保系列－标准计划"},"nameBasis":"insurer-published","insurerSlug":"cigna-worldwide-general-insurance-company-limited","productPaths":["/insurers/cigna-worldwide-general-insurance-company-limited/coverage19-product-scope-cigna-general-s00031/","/zh-hant/insurers/cigna-worldwide-general-insurance-company-limited/coverage19-product-scope-cigna-general-s00031/","/zh-hans/insurers/cigna-worldwide-general-insurance-company-limited/coverage19-product-scope-cigna-general-s00031/"],"insurerPaths":["/insurers/cigna-worldwide-general-insurance-company-limited/","/zh-hant/insurers/cigna-worldwide-general-insurance-company-limited/","/zh-hans/insurers/cigna-worldwide-general-insurance-company-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.cigna.com.hk/en/medical-insurance/vhis/standard","page":null,"title":"Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown","date":null,"checkedOn":"2026-10-21"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/Cigna-VHIS-SP_E.pdf","page":1,"title":"Product brochure; PDF page 1 plan at a glance; edition code date, not policy effective date","date":"2025-07","checkedOn":"2026-10-21"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal.","zh-hant":"每年續保至 100 歲；年繳或月繳。續保保費可調整。","zh-hans":"每年续保至 100 岁；年缴或月缴。续保保费可调整。"}}],"display":{"en":["Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal."],"zh-hant":["可續保 / 每年續保至 100 歲；年繳或月繳。續保保費可調整。"],"zh-hans":["可续保 / 每年续保至 100 岁；年缴或月缴。续保保费可调整。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/Cigna-VHIS-SP_E.pdf","page":1,"title":"Product brochure; PDF page 1 plan at a glance; edition code date, not policy effective date","date":"2025-07","checkedOn":"2026-10-21"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal.","zh-hant":"每年續保至 100 歲；年繳或月繳。續保保費可調整。","zh-hans":"每年续保至 100 岁；年缴或月缴。续保保费可调整。"}},"display":{"en":["Renewable / One-year cover, renewable to age 100; annual or monthly payments. Premiums may change at renewal."],"zh-hant":["可續保 / 每年續保至 100 歲；年繳或月繳。續保保費可調整。"],"zh-hans":["可续保 / 每年续保至 100 岁；年缴或月缴。续保保费可调整。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/Cigna-VHIS-SP_E.pdf","page":1,"title":"Product brochure; PDF page 1 plan at a glance; edition code date, not policy effective date","date":"2025-07","checkedOn":"2026-10-21"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"last-birthday","notes":null}],"display":{"en":["15 days to 80 years / Age basis: Age last birthday"],"zh-hant":["出生15日至80歲 / 年齡基準：上次生日年齡"],"zh-hans":["出生15日至80岁 / 年龄基准：上次生日年龄"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/Cigna-VHIS-SP_E.pdf","page":1,"title":"Product brochure; PDF page 1 plan at a glance; edition code date, not policy effective date","date":"2025-07","checkedOn":"2026-10-21"}]},{"field":"minimumPremium","value":{"value":2339,"currency":"HKD","basis":"annual","notes":{"en":"Standard non-smoker rate, ages 5–17, effective 2026-07-01; before levy, discounts and underwriting loading. Renewal rates may change.","zh-hant":"標準非吸煙保費，5–17 歲，2026-07-01 生效；未計徵費、折扣及核保附加保費。續保費率可調整。","zh-hans":"标准非吸烟保费，5–17 岁，2026-07-01 生效；未计征费、折扣及核保附加保费。续保费率可调整。"}},"display":{"en":["HKD 2,339 / Annual / Standard non-smoker rate, ages 5–17, effective 2026-07-01; before levy, discounts and underwriting loading. Renewal rates may change."],"zh-hant":["HKD 2,339 / 每年 / 標準非吸煙保費，5–17 歲，2026-07-01 生效；未計徵費、折扣及核保附加保費。續保費率可調整。"],"zh-hans":["HKD 2,339 / 每年 / 标准非吸烟保费，5–17 岁，2026-07-01 生效；未计征费、折扣及核保附加保费。续保费率可调整。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/Cigna-VHIS-SP_E.pdf","page":8,"title":"Shared premium appendix; PDF page 8 non-smoker annual standard premium; effective 1 July 2026","date":"2026-07-01","checkedOn":"2026-10-21"}]},{"field":"vhisPlanType","value":[{"en":"Standard Plan","zh-hant":"標準計劃","zh-hans":"标准计划"}],"display":{"en":["Standard Plan"],"zh-hant":["標準計劃"],"zh-hans":["标准计划"]},"sources":[{"url":"https://www.cigna.com.hk/en/medical-insurance/vhis/standard","page":null,"title":"Official product page; sections Plan details, eligibility, renewal and exclusions; publication date unknown","date":null,"checkedOn":"2026-10-21"}]},{"field":"keyExclusions","value":[{"en":"Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions.","zh-hant":"部分不保事項包括非醫療所需服務。完整清單及例外情況見所引文件。","zh-hans":"部分除外责任包括非医疗必需服务。完整清单及例外情况见所引文件。"}],"display":{"en":["Selected exclusions include services without medical necessity. See the cited document for the full list and exceptions."],"zh-hant":["部分不保事項包括非醫療所需服務。完整清單及例外情況見所引文件。"],"zh-hans":["部分除外责任包括非医疗必需服务。完整清单及例外情况见所引文件。"]},"sources":[{"url":"https://www.cigna.com.hk/iwov-resources/docs/en/product/Cigna-VHIS-SP_E.pdf","page":5,"title":"Product brochure; PDF page 5 selected exclusions; full list and exceptions in wording","date":"2025-07","checkedOn":"2026-10-21"}]}],"ratioSeries":[]}]}