• Annual benefit limit up to HK$50 million. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
• Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
• 5 deductible options to suit your budget
• Hospital Cash and Compulsory Quarantine Cash HK$2,000 per day of hospital cash and HK$2,000 per day of compulsory quarantine cash
• Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.

• Limited time offer - Enroll now to enjoy up to 6-month premium refund* Eligible Plans include plans of HK$15,000, HK$25,000, HK$50,000 or HK$75,000 deductible (i.e. plans with HK$0 deductible are excepted) under the following plans.
• Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
• Promotion till 30 Sep 2022

*Insurance premium is calculated according to the insured persons’ age, smoking habit, plan option and deductible option. Above mentioned discount rate is calculated with an example of a family of four with both parents aged 30, and the son and daughter are aged 3 and 0 respectively. All of them are non-smokers, and they choose Cigna HealthFirst Elite Medical Plan Private Room Level, Asia coverage and a deductible level at $0. The above mentioned discount rate has included the Friends and Family Join Together Discount in the first three years.

Relevant Information

           Please click Here to download product brochure

1. Get full medical coverage immediately*, including those arising from unknown pre-existing conditions^†
   
2. Ease your worries about any upfront out-of-pocket medical expenses in Hong Kong with cashless arrangements**
   
3. Choose from 4 different plans, 3 geographical coverage and 4 annual deductible options
   
4. Claim a maximum annual tax deduction^## of HKD8,000 for each insured person. For more details, please refer to www.ird.gov.hk

* Full coverage shall mean the actual amount of Eligible Expenses and other expenses charged and payable in accordance to the Terms and Benefits of this policy.

^† Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is earlier. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Application is subject to HSBC Life. Please refer to the policy provisions for the full terms and conditions.

** Pre-authorization is required for cashless arrangements. The final decision of the pre-authorisation application or direct billing approval is subject to the discretion of the HSBC Life.

^##Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). For more information, please refer to www.ird.gov.hk

Apply online with promo code ’IN50SU' to enjoy 50% off your first year premium and an additional 10% off when you apply with your family members. Terms and conditions apply to promotions listed above. Please refer to https://www.hsbc.com.hk/vhis-flexi for details.

Relevant information

           Please click here to download Product brochure from the insurance company.

           Please click here to browse Frequently asked questions.

* Terms and conditions apply. Please refer to the product brochure and product provision on HSBC website for details.

# Premium is calculated after 50% discount on first year premium.