AIA Voluntary Health Insurance Flexi Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00022-06-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,205 |
| 45 | HK$4,188 |
| 60 | HK$6,630 |
| 75 | HK$17,758 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$550 |
| Hospital charges | HK$3,750 |
| Doctor's visits | HK$550 |
| Specialist fees | HK$1,338 |
| Intensive care | HK$1,450 |
| Surgeon's fee | HK$15,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$5,500 |
| Non-surgical cancer treatment | HK$22,500 |
| Outpatient before and after | HK$500 |
| Psychiatric treatment | HK$4,950 |
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 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 if no benefit paid in policy year. p.4 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is possible, subject to re-underwriting for those benefits. p.13 |
| Room class | not restricted p.15 |
| If a higher room is used | Benefits are paid for SMM Eligible Expenses in excess of limits, multiplied by an Adjustment Factor (20% to 60% depending on room class) and subject to coinsurance, unless due to emergency unavailability, isolation, or non-personal preference reasons. p.34 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Hong Kong only p.19 |
| 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 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests (with exceptions); 15% for Supplemental Major Medical (Network), 20% for Supplemental Major Medical (Non-network) p.21 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to $125 (Network) / $84 (Non-network) per visit p.42 |
| Post-discharge outpatient | 3 follow-up outpatient visits within 90 days after discharge/Day Case Procedure, up to $125 (Network) / $84 (Non-network) per visit for consultation, western medication, dressings, diagnostic tests; up to $93 (Network) / $84 (Non-network) per visit for other follow-up p.42 |
| General outpatient | none |
| Psychiatric treatment | $4,950 per Policy Year (Network) / $4,500 per Policy Year (Non-network) p.43 |
| Diagnostic imaging coinsurance | 30%, except for CT (coronary arteries), MRI (cervical spine, lumbar spine, brain), and PET scans p.42 |
| Non-surgical cancer treatment | $22,500 per Policy Year (Network) / $18,750 per Policy Year (Non-network) p.42 |
| Kidney dialysis | $22,500 per Policy Year (Network) / $18,750 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) p.16 |
| Home nursing | $238 per visit (Network) / $198 per visit (Non-network), maximum 15 visits within 31 days after discharge; additional visits covered under SMM p.43 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during Confinement; 3 follow-up outpatient visits within 90 days after discharge/Day Case Procedure up to $93 (Network) / $84 (Non-network) per visit; additional visits covered under SMM p.17 |
| Congenital conditions | Excluded if manifested or diagnosed before 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 | $95 per day (Network) / $48 per day (Non-network), maximum 90 days per Policy Year; additional days covered under SMM p.43 |
| Second medical opinion | Available through personal medical case management services, including specialist review p.36 |
| Direct billing and pre-authorisation | Direct payment for Surgeon's fee for Day Case Procedures by Network Registered Medical Practitioner; Network Card for identification p.33 |
| No-claim discount | Yes, 5% for 3 claims-free years, 10% for 4, 15% for 5 or more. 25% for 5+ claims-free years from 30th renewal and age 65+. p.57 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$3,207 to HK$4,188.
| 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 |
|---|---|---|---|
| Standard Private (USD) | Private | None | Nil (no Annual Benefit Limit) |
| Standard Private (USD) | 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.