AIA Voluntary Health Insurance Flexi Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00022-01-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,296 |
| 45 | HK$11,586 |
| 60 | HK$16,702 |
| 75 | HK$38,997 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$1,100 |
| Hospital charges | HK$15,000 |
| Doctor's visits | HK$1,100 |
| Specialist fees | HK$4,600 |
| Intensive care | HK$4,480 |
| Surgeon's fee | HK$55,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$22,000 |
| Non-surgical cancer treatment | HK$96,000 |
| Outpatient before and after | HK$3,400 |
| Psychiatric treatment | HK$33,000 |
Also includes outpatient general, home nursing, a companion bed, kidney dialysis, a death benefit, top up.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | lifetime p.12 |
|---|---|
| Pre-existing conditions unknown at application | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.20 |
| Waiting period | 30 days for Pre-existing Condition(s) unknown at application p.20 |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days' notice if no benefits paid in policy year; pro-rata refund if terminated due to death or company ceasing authorization. p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade or additional benefits, subject to re-underwriting limited to the upgraded/additional benefits. p.13 |
| Room class | not restricted p.15 |
| If a higher room is used | SMM Eligible Expenses are multiplied by an Adjustment Factor (20% to 60% depending on room class) if a higher room class than the Ward Class is used, unless due to unavailability, isolation, or non-personal preference reasons. p.34 |
| Geographical cover | worldwide (except for psychiatric treatment) p.15 |
| Psychiatric treatment area | Hong Kong only p.18 |
| Emergency treatment abroad | covered worldwide p.15 |
| Full cover on core benefits | no p.42 |
| Annual limit | unlimited p.42 |
| Lifetime limit | none p.15 |
| Deductible options | none |
| How the deductible applies | none p.25 |
| Coinsurance | none (specific coinsurance applies to Prescribed Diagnostic Imaging Tests and Supplemental major medical benefits) p.24 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to $848 per visit (Network) / $580 per visit (Non-network), and up to $3,400 (Network) / $3,000 (Non-network) per Policy Year p.19 |
| Post-discharge outpatient | 3 follow-up visits within 90 days after discharge/Day Case Procedure, up to $848 per visit for consultation/medication/dressings/diagnostic tests, or $640 per visit for physiotherapy/occupational/speech therapy/chiropractic (Network); up to $580 per visit for all (Non-network); and up to $3,400 (Network) / $3,000 (Non-network) per Policy Year p.19 |
| General outpatient | none |
| Psychiatric treatment | HKD 33,000 per Policy Year (Network) / HKD 30,000 per Policy Year (Non-network) p.43 |
| Diagnostic imaging coinsurance | 30%, except for specific CT, MRI, and PET scans p.21 |
| Non-surgical cancer treatment | HKD 96,000 per Policy Year (Network) / HKD 80,000 per Policy Year (Non-network) p.42 |
| Kidney dialysis | HKD 60,000 per Policy Year (Network) / HKD 50,000 per Policy Year (Non-network) p.43 |
| Day case procedures | covered as per benefit items p.16 |
| Home nursing | HKD 424 per visit (Network) / HKD 353 per visit (Non-network), up to HKD 8,280 (Network) / HKD 6,900 (Non-network) per Policy Year, maximum 15 visits within 31 days after discharge p.43 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during Confinement under miscellaneous charges; covered for 3 follow-up outpatient visits within 90 days after discharge/Day Case Procedure, up to $640 per visit (Network) / $580 per visit (Non-network) p.17 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.23 |
| Pregnancy complications | none p.23 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.22 |
| Hospital cash | HKD 300 per day, maximum 90 days per Policy Year, if reimbursement is partly paid by another insurer p.44 |
| Companion bed | HKD 320 per day (Network) / HKD 180 per day (Non-network), maximum 90 days per Policy Year p.43 |
| Second medical opinion | Available through personal medical case management services, including medical condition review and re-evaluation, and recommendations for specialists p.36 |
| Direct billing and pre-authorisation | Direct payment for Surgeon's fee for Day Case Procedures by Network Registered Medical Practitioners; network list available on company website p.33 |
| No-claim discount | Yes, 5% for 3 claims-free years, 10% for 4, 15% for 5 or more. 25% for 5 or more claims-free years if 65+ and 30th renewal or later. p.57 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; restrictions on choice of hospitals in Mainland China for certain PRC citizens/minors p.22 |
At a constant age of 45, AIA has filed 4 schedule changes on this plan since 2021, an average of +4.7% a year, taking the premium from HK$8,872 to HK$11,586.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +9.0% |
| 2024 | +6.1% |
| 2025 | +8.6% |
| 2026 | +4.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Ward (HKD) | Ward | None | Nil (no Annual Benefit Limit) |
| Ward (HKD) | Ward | None | Nil (no Annual Benefit Limit) |
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.