AIA Voluntary Health Insurance Prime Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00025-04-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,198 |
| 45 | HK$3,195 |
| 60 | HK$6,298 |
| 75 | HK$15,726 |
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$650,000 |
| Lifetime limit | HK$2,600,000 |
| 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$250,000 |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | HK$5,000 |
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 | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days notice if no benefits paid in Policy Year. 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 | 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 multiplying an Adjustment Factor p.40 |
| Geographical cover | Asia p.43 |
| Psychiatric treatment area | Hong Kong only p.43 |
| Emergency treatment abroad | Worldwide p.43 |
| Full cover on core benefits | yes p.43 |
| Annual limit | USD650,000 p.43 |
| Lifetime limit | USD2,600,000 p.43 |
| Deductible options | USD0 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.25 |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure, fully covered p.43 |
| Post-discharge outpatient | 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge), fully covered p.43 |
| General outpatient | none |
| Psychiatric treatment | USD5,000 per Policy Year p.43 |
| Diagnostic imaging coinsurance | 30% p.43 |
| Non-surgical cancer treatment | USD250,000 per Policy Year p.43 |
| Kidney dialysis | Fully covered p.43 |
| Day case procedures | Covered as in-patient for many benefits; cash benefit of USD200 per procedure, max 1 per year p.44 |
| Home nursing | Fully covered, maximum 196 days per Policy Year (within 196 days after discharge) p.43 |
| Hospice care | USD10,000 per Policy Year p.44 |
| Chinese medicine | USD75 per visit, max 15 follow-up visits per Confinement/Day Case Procedure (within 90 days after discharge) p.44 |
| Physiotherapy | Covered under pre- and post-Confinement/Day Case Procedure outpatient care (fully covered) and Stroke ancillary benefit (USD125 per visit, max 30 visits) p.43 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Fully covered within 3 months of the Accident p.44 |
| Hospital cash | USD200 per procedure, max 1 procedure per Policy Year p.44 |
| Companion bed | Fully covered p.44 |
| Second medical opinion | Available through Personal medical case management services p.36 |
| No-claim discount | Medical check-up service if no benefits paid in preceding Policy Year p.36 |
| Exclusions beyond the VHIS standard list | Treatments not Medically Necessary; Venereal and sexually transmitted disease; Purchase of durable medical equipment or appliances; Traditional Chinese medicine and other alternative treatments 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$2,080 to HK$3,195.
| 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.