AIA Voluntary Health Insurance Privilege Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00053-02-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$7,208 |
| 45 | HK$10,464 |
| 60 | HK$21,232 |
| 75 | HK$55,912 |
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 | 0% for first 30 days of first Policy Year, 100% from 31st day of first Policy Year onwards p.21 |
| Waiting period | none p.21 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period 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.44 |
| If a higher room is used | Benefits reduced by an Adjustment Factor (highest daily Covered Room charge / actual daily higher room charge) p.41 |
| Geographical cover | Asia p.44 |
| Psychiatric treatment area | Hong Kong and Macau p.17 |
| Emergency treatment abroad | Worldwide, with 50% reduction for US citizens staying 182+ days in US for Emergency Treatment in US p.41 |
| Full cover on core benefits | yes p.45 |
| Annual limit | 10000000 p.44 |
| Lifetime limit | 50000000 p.44 |
| Deductible options | 0, 16000 p.22 |
| How the deductible applies | Per Policy Year, with option to reduce to zero at ages 50, 55, 60, 65, 70, 75, 81 p.22 |
| Coinsurance | none p.21 |
| Pre-admission outpatient | Fully covered for all prior outpatient visits/emergency consultations within 30 days before admission/Day Case Procedure; 1 prior visit/consultation more than 30 days before p.44 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits (except dietitian) within 90 days after discharge/Day Case Procedure; 4 dietitian consultation visits at HKD680 per visit within 90 days p.44 |
| General outpatient | none |
| Psychiatric treatment | 40000 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 for relevant benefits p.16 |
| 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, max 1 visit per day, max 15 visits per Confinement/Day Case Procedure (within 90 days after discharge/completion) p.45 |
| Physiotherapy | Fully covered as follow-up outpatient care post-confinement/Day Case Procedure; HKD1,000 per visit, max 30 visits per Policy Year and HKD100,000 per Incident for Stroke ancillary benefit p.44 |
| 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, max 60 days per Policy Year for using a room below Covered Room class in Hong Kong/Macau private hospital p.45 |
| Companion bed | Fully covered p.45 |
| Second medical opinion | Available through Personal medical case management services p.37 |
| Direct billing and pre-authorisation | Reimbursement basis for general benefits; network for no claim medical check-up services and personal medical case management services p.2 |
| No-claim discount | No claim medical check-up services if no benefits paid in preceding Policy Year p.36 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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.