AIA Voluntary Health Insurance Prime Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00025-05-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,060 |
| 45 | HK$1,536 |
| 60 | HK$3,119 |
| 75 | HK$7,915 |
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 | 0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1 p.21 |
| Waiting period | none p.21 |
| Cancellation and refund | Full refund within 21-day cooling-off period; pro-rata refund upon death of Insured Person or Company ceasing authorization p.4 |
| Switching from another plan | Switching to another plan is possible; re-underwriting for upgrades/additions, discretion for downgrades/reductions 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 p.40 |
| Geographical cover | Asia (as defined in the document) 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 | USD2,000, 0 p.43 |
| How the deductible applies | Per Policy Year, with a one-time right to reduce to zero at ages 50, 55, 60, 65, 70, 75, or 81 p.22 |
| Coinsurance | none p.43 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, fully covered p.43 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days, fully covered p.43 |
| General outpatient | none |
| Psychiatric treatment | USD5,000 per Policy Year p.43 |
| Diagnostic imaging coinsurance | none 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, fully covered p.16 |
| Home nursing | Fully covered, maximum 196 days per Policy Year p.43 |
| Hospice care | USD10,000 per Policy Year p.44 |
| Chinese medicine | USD75 per visit, maximum 15 follow-up visits per Confinement/Day Case Procedure within 90 days p.44 |
| Physiotherapy | Fully covered during Confinement; for Stroke, USD125 per visit, maximum 30 visits per Policy Year and USD12,500 per Incident p.16 |
| 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, maximum 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 |
| Direct billing and pre-authorisation | none |
| No-claim discount | No claim medical check-up services available if no benefits paid in preceding Policy Year p.35 |
| Exclusions beyond the VHIS standard list | Drug/alcohol dependence/overdose; Purchase of durable medical equipment; Traditional Chinese medicine/alternative treatments (unless covered). 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$1,000 to HK$1,536.
| 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.