AIA Voluntary Health Insurance Prime Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00025-01-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$17,584 |
| 45 | HK$25,560 |
| 60 | HK$50,384 |
| 75 | HK$125,808 |
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 | HK$5,000,000 |
| Lifetime limit | HK$20,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | HK$2,000,000 |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | HK$40,000 |
Also includes outpatient general, dental, chinese medicine, health check, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, a death benefit, no claim.
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.21 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; after cooling-off, 30 days written notice required if no benefits paid; pro-rata refund upon death of insured or company ceasing authorisation. p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, company discretion to accept/reject). p.13 |
| Room class | Semi-Private Room in Hong Kong, Macau or Mainland China; Standard Private Room elsewhere p.42 |
| If a higher room is used | Benefits reduced by an Adjustment Factor, calculated by dividing the highest daily room charge of a Covered Room by the actual daily room charge of the higher room. p.40 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam) p.42 |
| Psychiatric treatment area | Hong Kong only p.43 |
| Emergency treatment abroad | Worldwide p.43 |
| Full cover on core benefits | yes p.43 |
| Annual limit | 5000000 p.43 |
| Lifetime limit | 20000000 p.43 |
| Deductible options | 0 p.43 |
| How the deductible applies | Per Policy Year, with option to reduce at ages 50, 55, 60, 65, 70, 75, 81 p.22 |
| Coinsurance | none p.43 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure p.43 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure p.43 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.43 |
| Diagnostic imaging coinsurance | none p.43 |
| Non-surgical cancer treatment | 2000000 p.43 |
| Kidney dialysis | Fully covered p.43 |
| Day case procedures | Covered as in-patient, plus HKD1,600 cash benefit per procedure (max 1 per policy year) p.43 |
| Home nursing | Fully covered, max 196 days per policy year (within 196 days after discharge from hospital following surgery or ICU admission) p.43 |
| Hospice care | HKD80,000 per policy year p.44 |
| Chinese medicine | HKD600 per visit, max 15 follow-up visits per confinement/day case procedure (within 90 days after discharge/procedure) p.44 |
| Physiotherapy | Fully covered during confinement and for 3 post-discharge visits; for stroke, HKD1,000 per visit, max 30 visits per policy year and HKD100,000 per incident p.16 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Fully covered within 3 months of the accident p.44 |
| Hospital cash | HKD1,600 per procedure, max 1 procedure per policy year p.44 |
| Companion bed | Fully covered p.44 |
| Second medical opinion | Available via Personal medical case management services p.36 |
| No-claim discount | No claim medical check-up services if no benefits paid in preceding policy year p.36 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics; venereal and sexually transmitted disease; purchase of durable medical equipment; other alternative treatments (hypnotism, qigong, massage, aromatherapy, naturopathy, homeotherapy) p.22 |
At a constant age of 45, AIA has filed 5 schedule changes on this plan since 2021, an average of +8.0% a year, taking the premium from HK$16,640 to HK$25,560.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +9.0% |
| 2024 | +10.0% |
| 2025 | +17.0% |
| 2026 | +9.5% |
A record of what has been filed, not a forecast of what you will pay.
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.