[5-Star VHIS Upgrade] Cigna VHIS refined to give comprehensive protection for you and your family health

Many people find that once they start a family, everything is no longer just about themselves, but also about taking care of their family’s needs. At such an important stage in life, it is essential to have solid and reliable protection to guard against the risks ahead. Government-regulated and tax-deductible Voluntary Health Insurance Scheme (VHIS) is the preferred choice for many consumers. Among them, 信諾自願醫保靈活計劃（優越） covers a wide range of common illnesses and offers protection against medical inflation. It has won the 10Life 5-Star Insurance Award for two consecutive years. The product has recently been updated and enhanced, with the aim of providing customers with more comprehensive protection, together with a limited-time application offer.

Hong Kong’s public healthcare resources are under strain, prompting many people to turn to the high-quality medical services offered by private hospitals. However, private hospital charges are expensive, so voluntary health insurance, which offers comprehensive cover and tax deductibility, has become increasingly popular in the market.

Cigna Healthcare’s Voluntary Health Insurance Series has, since its launch in 2019, provided customers with the best medical protection at relatively affordable premiums. Among them, 信諾自願醫保靈活計劃（優越） has received a 5-star rating from 10Life for two consecutive years (2021 and 2022), reflecting recognition from professional actuaries for Cigna Healthcare.  

When analysing VHIS products, 10Life consults specialist doctors on the medical expenses of up to 12 cases of illness and injury of varying severity, then its team of actuaries assesses the reimbursement ratio for specified illness and injury cases based on the product’s coverage and terms, in order to review the protection level of the relevant medical insurance product. After 10Life’s assessment, 信諾自願醫保靈活計劃（優越） achieved a perfect score of 10 for medical protection in 2022, while the policy also features protection against medical inflation (using the semi-private room policy as an example, the annual coverage limit is HK$30 million).

As an insurer specialising in medical insurance, Cigna has recently enhanced the coverage of its VHIS Flexi Plan (Superior), making it even more comprehensive.

The latest product upgrade mainly includes three enhancements: a new companion bed fee benefit, a new accidental emergency outpatient care benefit, and a new accidental emergency dental treatment benefit, with no sub-limits for any of the three. For those who are ill, family support is often the strongest backing. The product now includes a companion bed fee benefit, making it easier for family members to stay by their side, face difficulties together with the insured person, and return to a healthy daily life as soon as possible.

In addition to the recent enhanced protection, Cigna Healthcare Flexible Plan (Superior) already has several key advantages: 
  
• “No deposit on admission, no payment on discharge”: many customers are concerned that medical claims can be complicated and time-consuming. Cigna Healthcare Flexible Plan (Superior) offers this service. As long as the insured submits the relevant application form and required medical documents to Cigna Healthcare before admission or before day surgery, Cigna will complete the assessment within 5 working days. If approved, Cigna Healthcare will settle the inpatient and day surgery charges at the private hospital, allowing the insured to receive treatment with peace of mind and focus on recovery. 
  
• Comprehensive pre- and post-hospitalisation cover: coverage includes pre-admission consultation or diagnostic tests, as well as post-discharge outpatient follow-up, such as prescribed western medicine, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic tests, with no sub-limits, so you can recuperate with peace of mind.  

• Flexible deductible options: combine with company medical insurance or, as recommended in our [VHIS Money-Saving Combination] to purchase a plan with a deductible, giving you the most comprehensive cover at the most affordable price 

For example, Cindy took out Cigna Healthcare Flexible Plan (Superior) at the age of 40, and was unfortunately diagnosed with breast cancer at 45. However, there is always hope, and timely, appropriate treatment was crucial to her condition. Under Cigna Healthcare’s comprehensive protection, she received treatment from medical professionals, including diagnostic imaging, followed by a series of long-term cancer treatments and breast reconstruction surgery.

During treatment, her family stayed at the hospital day and night to care for Cindy, and Cigna Healthcare’s family companion bed benefit came into play. Before admission, Cindy successfully applied for “No deposit on admission, no payment on discharge”. When discharged, she did not need to pay medical expenses amounting to hundreds of thousands of dollars; these were paid directly to the hospital by Cigna Healthcare, sparing Cindy any financial worries and allowing her to focus on fighting the illness. Her recovery progressed well afterwards, and she has now returned to normal life. 

When purchasing insurance, many policyholders not only consider the scope of cover and the price, but also need to assess the insurer’s strength. Cigna Healthcare has been operating in Hong Kong’s insurance market since 1933 and has long been committed to providing comprehensive medical and health solutions. Widely recognised across the industry, Cigna Healthcare offers various medical protection plans to teams of many multinational companies around the world, and also provides tailored or packaged protection solutions for local businesses to meet the different needs of employers and employees.

At the same time, Cigna Healthcare offers an extensive medical network, covering all private hospitals in Hong Kong and more than 4,900 medical services, as well as a global medical network of over 1.5 million healthcare institutions. To highlight its vision of focusing on the development of its global health business, the company has refreshed its brand to Cigna Healthcare 信諾環球, and will continue to uphold its commitment to health and a better future together with the people of Hong Kong.

If you successfully apply for Cigna Healthcare’s Flexi Plan (Supreme) for yourself together with your spouse or child on or before 31 August 2024, you can enjoy a HK$1,000 shopping voucher and a premium discount of up to six months for the first three years. Use the online application exclusive promo code “DC10LIFE” to enjoy an additional 15% discount.

^* The above offer is subject to the relevant terms and conditions. For details of the offer calculation method and other information, please refer to the Cigna Healthcare website. Cigna Healthcare reserves the right to amend, suspend or cancel the offer, or revise its terms and conditions, at any time. In the event of any dispute regarding the offer content, Cigna Healthcare reserves the right of final decision.

The insurance plan is underwritten by Cigna Worldwide Insurance Company Limited (referred to as “Cigna Healthcare”) and is subject to the relevant policy terms and conditions. The above insurance product information is for reference only and does not set out all the cover and features of the insurance product. For the product features, content, terms, conditions and exclusions, please visit the Cigna Healthcare website and refer to the relevant product brochure and policy terms.

This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.