AIA Voluntary Health Insurance Prime Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00025-03-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,120 |
| 45 | HK$10,568 |
| 60 | HK$21,392 |
| 75 | HK$54,288 |
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 | First 30 days of the first Policy Year no coverage, 31st day of the first Policy Year onwards full coverage p.21 |
| Waiting period | 30 days for unknown pre-existing conditions p.21 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off period unless specified otherwise 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) 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 if a higher room class than Covered Room is used 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 | partial p.43 |
| Annual limit | HKD5,000,000 p.43 |
| Lifetime limit | HKD20,000,000 p.43 |
| Deductible options | 0, 25000 p.22 |
| How the deductible applies | Per Policy Year, with an option to reduce at ages 50, 55, 60, 65, 70, 75, or 81 p.22 |
| Coinsurance | none (except 30% for Prescribed Diagnostic Imaging Tests) p.43 |
| Pre-admission outpatient | 1 visit or emergency consultation prior to confinement/day case procedure p.43 |
| Post-discharge outpatient | 3 follow-up visits within 90 days after discharge from hospital or completion of day case procedure p.43 |
| General outpatient | none |
| Psychiatric treatment | HKD40,000 per Policy Year p.43 |
| Diagnostic imaging coinsurance | 30% p.43 |
| Non-surgical cancer treatment | HKD2,000,000 per Policy Year p.43 |
| Kidney dialysis | Fully covered for haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure p.19 |
| Day case procedures | Covered as in-patient for various benefits p.15 |
| Home nursing | Fully covered, maximum 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, 1 follow-up visit per day, max 15 visits per confinement/day case procedure (within 90 days post-discharge) p.44 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered as follow-up outpatient care; covered under Stroke ancillary benefit (HKD1,000 per visit, max 30 visits/year, HKD100,000/incident) p.16 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Fully covered for emergency treatment due to injury to sound natural teeth within 3 months of accident p.35 |
| Hospital cash | HKD1,600 per procedure, max 1 procedure per Policy Year p.44 |
| Companion bed | Fully covered for an extra bed for one companion during confinement p.33 |
| Second medical opinion | Available through personal medical case management services p.36 |
| No-claim discount | No claim medical check-up services p.36 |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted diseases; purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments (except as specified) p.23 |
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$6,880 to HK$10,568.
| 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.