Asia Insurance Asia Elite is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00038-01-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$10,689 |
| 45 | HK$15,488 |
| 60 | HK$24,023 |
| 75 | HK$58,329 |
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$1,200,000 |
| Lifetime limit | None |
| 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 | HK$30,000 |
| Non-surgical cancer treatment | HK$300,000 |
| Outpatient before and after | HK$20,000 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, chinese medicine, health check, vaccination, home nursing, a companion bed, hospital cash, hospice care.
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 | 100 p.10 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.19 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment has been made p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting for the upgraded benefits p.12 |
| Room class | Semi-Private p.37 |
| If a higher room is used | 50% of expenses for Standard Private Room, 12.5% of expenses for Above Standard Private Room p.35 |
| Geographical cover | Asia (Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Nepal, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.34 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered outside Asia with a 65% adjustment factor p.34 |
| Full cover on core benefits | partial p.37 |
| Annual limit | 1,200,000 p.38 |
| Lifetime limit | none p.38 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests p.37 |
| Pre-admission outpatient | 1 visit prior to Confinement/Day Case Procedure, part of $20,000 annual limit p.37 |
| Post-discharge outpatient | All follow-up visits within 90 days after discharge/Day Case Procedure, part of $20,000 annual limit p.37 |
| General outpatient | Check-up, vaccination, fitness classes, gym membership, or other fitness services up to $500 per Policy Year p.38 |
| Psychiatric treatment | 30,000 p.37 |
| Diagnostic imaging coinsurance | 30% p.37 |
| Non-surgical cancer treatment | 300,000 p.37 |
| Kidney dialysis | not stated |
| Day case procedures | Covered as in-patient, subject to annual limit p.15 |
| Home nursing | $600 per visit, 1 visit per day, up to $6,000 per Policy Year (within 90 days after discharge) p.30 |
| Hospice care | 80,000 p.30 |
| Chinese medicine | $500 per visit, max 10 visits per Policy Year (within 90 days after discharge/Day Case Procedure) p.31 |
| Physiotherapy | Covered during Confinement (full cover) and as follow-up outpatient care within 90 days after discharge/Day Case Procedure (part of $20,000 annual limit) p.16 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.20 |
| Pregnancy complications | none p.19 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.19 |
| Hospital cash | $500 per day, max 90 days per Policy Year (for second claim) p.38 |
| Companion bed | Full cover for one companion bed for Insured Person aged below 18 or above 65 p.38 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Cashless service for Specified Endoscopy Procedures at Network Day Case Endoscopy Centre using AsiaHealthNet card p.29 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment (herbal, bone-setting, acupuncture, acupressure, tui na) and other alternative treatments (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy) unless specifically covered p.19 |
At a constant age of 45, Asia Insurance has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$15,488 to HK$15,488.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | no change |
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.