AIA Voluntary Health Insurance Privilege Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00053-05-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$901 |
| 45 | HK$1,308 |
| 60 | HK$2,654 |
| 75 | HK$6,989 |
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$1,250,000 |
| Lifetime limit | HK$6,250,000 |
| 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$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 first policy year, 100% from 31st day of first policy year onwards p.21 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.21 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (no benefit payment); cancellation after cooling-off period with 30 days notice if no benefit payment in relevant policy year p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits); allowed to switch to another plan with downgrade/reduction of benefits (no re-underwriting, but company 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 room charge of Covered Room / actual daily room charge of higher room) 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, reduced to 50% for US citizens staying 182+ days in the US for emergency treatment in the US p.41 |
| Full cover on core benefits | yes p.44 |
| Annual limit | USD1,250,000 p.44 |
| Lifetime limit | USD6,250,000 p.44 |
| Deductible options | USD2,000, 0 (at older ages) p.22 |
| How the deductible applies | Per Policy Year, with option to reduce to zero at certain older ages (50, 55, 60, 65, 70, 75, 81) p.22 |
| Coinsurance | none |
| Pre-admission outpatient | Fully covered for all prior outpatient visits/emergency consultations within 30 days before admission/day case procedure, or 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; USD85 per visit for 4 dietitian consultation follow-up visits within 90 days p.44 |
| General outpatient | none |
| Psychiatric treatment | USD5,000 per Policy Year p.44 |
| Diagnostic imaging coinsurance | none p.44 |
| Non-surgical cancer treatment | full cover p.44 |
| Kidney dialysis | Fully covered p.44 |
| Day case procedures | Covered as in-patient for various benefits; cash benefit of USD200 per procedure, max 1 per policy year p.44 |
| 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 | USD10,000 per Policy Year p.45 |
| Chinese medicine | USD75 per visit for 1 follow-up outpatient visit per day, max 15 visits per confinement/day case procedure (within 90 days); USD125 per visit for stroke ancillary, max 30 visits per policy year and USD12,500 per incident p.45 |
| Physiotherapy | Fully covered as part of pre/post-confinement outpatient care; USD125 per visit for stroke ancillary (physiotherapy, occupational therapy, speech therapy, chiropractic), max 30 visits per policy year and USD12,500 per incident p.45 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Fully covered for emergency treatment necessitated by injury to sound natural teeth caused by accident, within 3 months of the accident p.45 |
| Hospital cash | USD150 per day, maximum 60 days per Policy Year, for using a room below Covered Room class in a private hospital in Hong Kong and Macau p.45 |
| Companion bed | Fully covered for an extra bed for one companion during confinement p.45 |
| Second medical opinion | Available as part of personal medical case management services, where provider may refer medical information to a specialist for review p.45 |
| No-claim discount | Medical check-up service if no benefits paid in the preceding policy year p.45 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments 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.