AIA Voluntary Health Insurance Flexi Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00022-04-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$795 |
| 45 | HK$1,463 |
| 60 | HK$2,108 |
| 75 | HK$4,923 |
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$138 |
| Hospital charges | HK$1,975 |
| Doctor's visits | HK$138 |
| Specialist fees | HK$605 |
| Intensive care | HK$560 |
| Surgeon's fee | HK$7,240 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$2,895 |
| Non-surgical cancer treatment | HK$12,630 |
| Outpatient before and after | HK$447 |
| Psychiatric treatment | HK$4,340 |
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 | none |
| Cancellation and refund | Full refund of paid premium if cancelled within 21-day cooling-off period, provided no benefit payment has been made. p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting; switching to a plan with downgraded 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 | If a higher room class than the entitled Ward Class is used, SMM Eligible Expenses are multiplied by an Adjustment Factor (20% to 60% depending on the room class difference), unless due to unavailability for emergency, isolation, or other non-personal preference reasons. p.34 |
| Geographical cover | worldwide 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 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 15% (network) or 20% (non-network) for supplemental major medical benefits p.21 |
| Pre-admission outpatient | 1 prior outpatient visit or emergency consultation per confinement/day case procedure, up to USD112 (network) / USD76 (non-network) per visit, with an annual cap of USD447 (network) / USD395 (non-network). p.42 |
| Post-discharge outpatient | 3 follow-up outpatient visits within 90 days after discharge or day case procedure, up to USD112 (network) / USD76 (non-network) per visit for consultation, western medication, dressings, diagnostic tests; or USD84 (network) / USD76 (non-network) per visit for other follow-up, with an annual cap of USD447 (network) / USD395 (non-network). p.42 |
| General outpatient | none |
| Psychiatric treatment | USD4,340 (network) / USD3,945 (non-network) per Policy Year p.43 |
| Diagnostic imaging coinsurance | 30% p.42 |
| Non-surgical cancer treatment | USD12,630 (network) / USD10,525 (non-network) per Policy Year p.42 |
| Kidney dialysis | Covered up to USD7,500 (network) / USD6,250 (non-network) per Policy Year p.43 |
| Day case procedures | Covered as in-patient for relevant benefit items, subject to individual benefit limits. p.16 |
| Home nursing | USD53 (network) / USD44 (non-network) per visit, maximum 15 visits within 31 days after discharge, up to USD1,035 (network) / USD863 (non-network) per Policy Year. 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 after discharge/day case procedure up to USD84 (network) / USD76 (non-network) per visit. Additional 4th to 31st visits covered under SMM up to USD84 (network) / USD76 (non-network) per visit. p.42 |
| Congenital conditions | Covered from 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 | none |
| Companion bed | USD40 (network) / USD23 (non-network) per day, maximum 90 days per Policy Year. p.43 |
| Second medical opinion | Available through personal medical case management services, which can refer to specialists for review and recommendations. p.35 |
| Direct billing and pre-authorisation | Direct billing for Surgeon's fee for Day Case Procedures performed by a Network Registered Medical Practitioner. p.33 |
| No-claim discount | Available: 5% for 3 claims-free years, 10% for 4 claims-free years, 15% for 5+ claims-free years. After 30th renewal and age 65+, 25% for 5+ claims-free years. p.57 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments. 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$1,120 to HK$1,463.
| 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 (USD) | Ward | None | Nil (no Annual Benefit Limit) |
| Ward (USD) | 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.