Asia Insurance Asia Elite is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00038-02-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$16,832 |
| 45 | HK$22,717 |
| 60 | HK$37,348 |
| 75 | HK$99,822 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$2,000,000 |
| 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$500,000 |
| Outpatient before and after | HK$30,000 |
| 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 benefits paid. After cooling-off, cancellation with 30 days notice if no benefits paid in policy year (no refund specified). p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits, subject to re-underwriting for the upgraded/additional benefits. p.11 |
| Room class | Standard Private Room p.36 |
| If a higher room is used | If voluntarily upgraded from Semi-Private to Standard Private, 50% of eligible expenses; from Standard Private to Above Standard Private, 25%; from Semi-Private to Above Standard Private, 12.5%. p.35 |
| Geographical cover | Asia (as defined in the document) p.34 |
| Psychiatric treatment area | Hong Kong only p.16 |
| Emergency treatment abroad | Covered outside Asia for Accident or Emergency, subject to a 65% adjustment factor on benefits. p.34 |
| Full cover on core benefits | yes p.37 |
| Annual limit | 2000000 p.38 |
| Lifetime limit | none p.38 |
| Deductible options | none |
| Coinsurance | none (except 30% for Prescribed Diagnostic Imaging Tests) p.19 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, part of $30,000 annual limit p.37 |
| Post-discharge outpatient | All follow-up visits within 90 days after discharge/Day Case Procedure, part of $30,000 annual limit p.37 |
| General outpatient | Check-up, vaccination, fitness up to $800 per policy year p.38 |
| Psychiatric treatment | 30000 p.37 |
| Diagnostic imaging coinsurance | 30% p.37 |
| Non-surgical cancer treatment | 500000 p.37 |
| Kidney dialysis | not stated |
| Day case procedures | Covered as in-patient, subject to annual limits and specific benefit limits. p.15 |
| Home nursing | $1,000 per visit, 1 visit per day, up to $7,000 per policy year (within 90 days after discharge from Hospital) if confined for 3+ days. p.38 |
| Hospice care | $80,000 per policy year for terminal illness p.38 |
| Chinese medicine | $1,000 per visit, maximum 10 visits per policy year (within 90 days after discharge/Day Case Procedure) p.38 |
| Physiotherapy | Covered during confinement and as follow-up outpatient care within 90 days after discharge/Day Case Procedure, part of $30,000 annual limit. p.16 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8. p.20 |
| Pregnancy complications | Excluded p.19 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. p.19 |
| Hospital cash | $800 per day, maximum 90 days per policy year, if benefits are claimed from another plan first. p.38 |
| Companion bed | Full cover for one companion bed for Insured Person aged below 18 or above 65. p.38 |
| Direct billing and pre-authorisation | Cashless service available for Specified Endoscopy Procedures at Network Day Case Endoscopy Centres using AsiaHealthNet card. p.29 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$22,717 to HK$22,717.
| 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.