Helena signed up for the Flexi Plan (Superior) for both her 10-year-old son and herself at age 40. 2 years later, Helena got an incident when travelling with her family in Okinawa, Japan. She suffered significant injuries from car accident that required a week’s stay in an Okinawa hospital.

Total medical expenses (HKD)

After deducting the HKD25,000 deductible, the plan will fully reimburse the remaining treatment expenses - with extra earnings of Asia Miles and tax deduction.

Cigna Healthcare 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).

There are a few features that make our Cigna VHIS Series - Flexi Plan (Superior) different from existing market offerings, including:

• Standard policy terms and conditions, benefit coverage and amount
• No lifetime benefit limit
• Premium transparency
• Guaranteed renewal up to age 100
• Cover for unknown pre-existing conditions, congenital conditions, non-surgical cancer treatment, day-case procedures and advanced diagnostic imaging tests etc.

Yes, you can. The coverage benefits of our VHIS Series - Flexi Plan (Superior) are not limited to Hong Kong, but also covered throughout Asian regions (including Australia and New Zealand). Refer to the product brochure for more detailed explanation.

Cigna VHIS Series - Flexi Plan (Superior) covers your unknown pre-existing conditions since day 1 of the Policy Effective period.

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) 8100-2040 to discuss your options.