AIA Voluntary Health Insurance Flexi Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00022-02-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$10,474 |
| 45 | HK$19,042 |
| 60 | HK$29,149 |
| 75 | HK$72,169 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$2,400 |
| Hospital charges | HK$22,500 |
| Doctor's visits | HK$2,400 |
| Specialist fees | HK$5,400 |
| Intensive care | HK$7,400 |
| Surgeon's fee | HK$86,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$33,000 |
| Non-surgical cancer treatment | HK$120,000 |
| Outpatient before and after | HK$3,760 |
| Psychiatric treatment | HK$38,000 |
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 | No coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.20 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.20 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment has been made. p.4 |
| Switching from another plan | Switching to upgrade benefits may involve re-underwriting limited to the upgrade; switching to downgrade benefits does not involve re-underwriting but is subject to company discretion. p.13 |
| Room class | not restricted p.15 |
| If a higher room is used | Benefits multiplied by an Adjustment Factor (e.g., 60%, 40%, 20%) if a higher room class is used, unless due to unavailability, isolation, or non-personal preference reasons. p.34 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Hong Kong only p.18 |
| Emergency treatment abroad | Covered worldwide, subject to general benefit limits p.15 |
| Full cover on core benefits | no p.42 |
| Annual limit | unlimited p.42 |
| Lifetime limit | none p.15 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 15% for Supplemental major medical benefits (Network); 20% for Supplemental major medical benefits (Non-network) p.42 |
| Pre-admission outpatient | 1 prior outpatient visit or emergency consultation per confinement/day case procedure, up to $936 per visit (Network) or $640 per visit (Non-network), with a policy year limit of $3,760 (Network) or $3,300 (Non-network) p.42 |
| Post-discharge outpatient | 3 follow-up outpatient visits within 90 days after discharge/day case procedure, up to $936 per visit for consultation/medication/dressings/diagnostic tests (Network) or $640 (Non-network); up to $700 per visit for other follow-up (Network) or $640 (Non-network); policy year limit of $3,760 (Network) or $3,300 (Non-network) p.42 |
| General outpatient | none |
| Psychiatric treatment | $38,000 per Policy Year (Network); $34,500 per Policy Year (Non-network) p.43 |
| Diagnostic imaging coinsurance | 30% p.42 |
| Non-surgical cancer treatment | $120,000 per Policy Year (Network); $100,000 per Policy Year (Non-network) p.42 |
| Kidney dialysis | $120,000 per Policy Year (Network); $100,000 per Policy Year (Non-network) p.43 |
| Day case procedures | Covered as per individual benefit items (e.g., room and board, miscellaneous charges, surgeon's fee, imaging, cancer treatment, pre/post-op outpatient care) p.16 |
| Home nursing | $848 per visit (Network) or $704 per visit (Non-network), up to $16,320 per Policy Year (Network) or $13,600 (Non-network), max 15 visits within 31 days post-discharge p.43 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during confinement under miscellaneous charges; up to $700 per visit (Network) or $640 per visit (Non-network) for 3 post-discharge follow-up visits within 90 days p.17 |
| Congenital conditions | Covered if unknown at application (0% first 30 days, 100% thereafter); excluded if manifested or diagnosed before age 8. p.20 |
| Pregnancy complications | none p.23 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident; follow-up not covered. p.22 |
| Hospital cash | none |
| Companion bed | $640 per day (Network) or $280 per day (Non-network), max 90 days per Policy Year p.43 |
| Second medical opinion | Available through Personal medical case management services, where a specialist reviews medical information. p.36 |
| Direct billing and pre-authorisation | Direct payment for Surgeon's fee for Day Case Procedures by Network Registered Medical Practitioners; Network Card for identification with network providers. p.33 |
| No-claim discount | Yes, 5% for 3 claims-free years, 10% for 4, 15% for 5+ (25% for 5+ if 65+ and 30th renewal onwards). p.57 |
| Exclusions beyond the VHIS standard list | Limitations for PRC citizens without HK/Macau ID staying in Mainland China for 182+ days, when using non-designated hospitals in Mainland China; Hospice or palliative care. p.26 |
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$14,582 to HK$19,042.
| 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 |
|---|---|---|---|
| Semi-private (HKD) | Semi-private | None | Nil (no Annual Benefit Limit) |
| Semi-private (HKD) | Semi-private | 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.