AIA Voluntary Health Insurance Privilege Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00053-01-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$14,960 |
| 45 | HK$21,768 |
| 60 | HK$42,896 |
| 75 | HK$111,128 |
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 | asia |
| Annual limit | HK$10,000,000 |
| Lifetime limit | HK$50,000,000 |
| 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 | Paid in full |
| 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 Pre-existing Conditions unknown at application p.21 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; cancellation after cooling-off with 30 days notice if no benefits paid p.4 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, discretion to accept/reject) p.13 |
| Room class | Semi-Private Room in Hong Kong, Macau or Mainland China; Standard Private Room elsewhere in Asia; Standard Private Room outside Asia for Emergency Treatment p.39 |
| If a higher room is used | Benefits reduced by an Adjustment Factor p.41 |
| Geographical cover | Asia for non-emergency treatment; Worldwide for emergency treatment p.44 |
| Psychiatric treatment area | Hong Kong and Macau only p.17 |
| Emergency treatment abroad | Worldwide, subject to restrictions for US citizens in the United States p.41 |
| Full cover on core benefits | yes p.44 |
| Annual limit | HKD10,000,000 p.44 |
| Lifetime limit | HKD50,000,000 p.44 |
| Deductible options | 0 p.44 |
| How the deductible applies | Per Policy Year, with a right to reduce at ages 50, 55, 60, 65, 70, 75, 81 p.22 |
| Coinsurance | none p.44 |
| Pre-admission outpatient | Fully covered for all prior outpatient visits or emergency consultations within 30 days before admission; 1 prior visit more than 30 days before admission p.44 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits (except dietitian) within 90 days after discharge; 4 dietitian consultation follow-up visits within 90 days p.44 |
| General outpatient | none |
| Psychiatric treatment | HKD40,000 per Policy Year p.44 |
| Diagnostic imaging coinsurance | none p.44 |
| Non-surgical cancer treatment | full cover p.44 |
| Kidney dialysis | full cover p.44 |
| Day case procedures | Covered as in-patient; HKD1,600 cash benefit per procedure, max 1 per policy year p.45 |
| Home nursing | Fully covered, maximum 196 days per policy year (within 196 days after discharge from hospital following surgery or ICU admission) p.44 |
| Hospice care | HKD80,000 per Policy Year p.45 |
| Chinese medicine | HKD600 per visit, 1 follow-up visit per day, max 15 visits per confinement/day case procedure (within 90 days after discharge) p.45 |
| Physiotherapy | Fully covered during confinement; HKD1,000 per visit, max 30 visits per policy year and HKD100,000 per incident for stroke ancillary benefit 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.45 |
| Hospital cash | HKD1,200 per day, maximum 60 days per policy year for using a lower ward class p.45 |
| Companion bed | Fully covered p.45 |
| Second medical opinion | Available through personal medical case management services p.37 |
| No-claim discount | Medical check-up services if no claims in preceding policy year p.36 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments (except as specifically covered) p.23 |
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.