AIA Voluntary Health Insurance Flexi Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00022-05-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,309 |
| 45 | HK$2,380 |
| 60 | HK$3,644 |
| 75 | HK$9,021 |
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$300 |
| Hospital charges | HK$2,813 |
| Doctor's visits | HK$300 |
| Specialist fees | HK$675 |
| Intensive care | HK$925 |
| Surgeon's fee | HK$10,750 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$4,125 |
| Non-surgical cancer treatment | HK$15,000 |
| Outpatient before and after | HK$470 |
| Psychiatric treatment | HK$4,750 |
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 | 0% for first 30 days of first policy year, 100% from 31st day of first policy year onwards p.20 |
| Waiting period | 30 days for unknown pre-existing conditions p.20 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. After cooling-off, cancellation with 30 days' notice is possible if no benefits paid in the policy year. p.4 |
| Switching from another plan | Switching to another plan with upgraded or additional benefits may involve re-underwriting for those specific benefits. Switching to a plan with downgraded or reduced 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 are multiplied by an Adjustment Factor (e.g., 60% for Semi-Private using Standard Private, 40% for Semi-Private using upgraded room) and subject to coinsurance, 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 annual limit p.15 |
| Full cover on core benefits | no p.2 |
| Annual limit | unlimited p.42 |
| Lifetime limit | none p.42 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests (except for specific CT, MRI, PET scans); 15% for supplemental major medical network benefits; 20% for supplemental major medical non-network benefits p.21 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to USD 117 (network) / USD 80 (non-network) per visit, and up to USD 470 (network) / USD 413 (non-network) per policy year p.18 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure, up to USD 117 (network) / USD 80 (non-network) per visit for consultation/medication/dressings/diagnostic tests, or USD 88 (network) / USD 80 (non-network) per visit for other follow-up, and up to USD 470 (network) / USD 413 (non-network) per policy year p.18 |
| General outpatient | none |
| Psychiatric treatment | USD 4,750 per Policy Year (network) / USD 4,313 per Policy Year (non-network) p.43 |
| Diagnostic imaging coinsurance | 30%, except for specific CT (coronary arteries), MRI (cervical spine, lumbar spine, brain), and PET scans p.42 |
| Non-surgical cancer treatment | USD 15,000 per Policy Year (network) / USD 12,500 per Policy Year (non-network) p.42 |
| Kidney dialysis | Covered up to USD 15,000 per Policy Year (network) / USD 12,500 per Policy Year (non-network) p.43 |
| Day case procedures | Covered as per relevant benefit items (e.g., room and board, surgeon's fee, pre/post-op care) p.25 |
| Home nursing | USD 106 per visit (network) / USD 88 per visit (non-network), up to USD 2,040 (network) / USD 1,700 (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 (USD 88 network / USD 80 non-network per visit); covered from 4th to 31st visit under supplemental major medical benefits p.17 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | none p.23 |
| Emergency dental | Emergency Treatment and surgery during Confinement arising from an Accident are covered. Follow-up treatment after discharge is not covered. p.22 |
| Hospital cash | none |
| Companion bed | USD 80 per day (network) / USD 35 per day (non-network), maximum 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 billing for surgeon's fee for day case procedures by Network Registered Medical Practitioners. Network card required for network services. p.33 |
| No-claim discount | Available from 3rd renewal: 5% for 3 claims-free years, 10% for 4, 15% for 5+. From 30th renewal and age 65+, 25% for 5+ claims-free years. p.57 |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment (herbal, bone-setting, acupuncture, acupressure, tui na) and other alternative treatments (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, homeotherapy) p.23 |
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$1,823 to HK$2,380.
| 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 (USD) | Semi-private | None | Nil (no Annual Benefit Limit) |
| Semi-private (USD) | 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.