AIA Voluntary Health Insurance Privilege Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00053-06-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$758 |
| 45 | HK$1,124 |
| 60 | HK$2,275 |
| 75 | HK$5,991 |
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 | First 30 days of the first Policy Year no coverage, 31st day of the first Policy Year onwards full coverage p.21 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made p.4 |
| Switching from another plan | Switching to another plan with upgraded or additional benefits is possible, subject to re-underwriting for the upgraded/additional benefits 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 multiplying an Adjustment Factor p.41 |
| Geographical cover | Asia for non-Emergency Treatment p.44 |
| Psychiatric treatment area | Hong Kong and Macau only p.17 |
| Emergency treatment abroad | Worldwide, but 50% reduction for US citizens staying 182 days or more in the US prior to Emergency Treatment in the US p.41 |
| Full cover on core benefits | yes p.44 |
| Annual limit | USD1,250,000 per Policy Year p.44 |
| Lifetime limit | USD6,250,000 per life p.44 |
| Deductible options | 0, 3125 p.22 |
| How the deductible applies | Per Policy Year, with option to reduce at ages 50, 55, 60, 65, 70, 75, 81 p.22 |
| Coinsurance | none |
| Pre-admission outpatient | Fully covered for all prior outpatient visits or Emergency consultations within 30 days before admission/Day Case Procedure; 1 prior visit if 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 USD85 per visit within 90 days p.44 |
| General outpatient | none |
| Psychiatric treatment | USD5,000 per Policy Year p.44 |
| Diagnostic imaging coinsurance | 30% p.44 |
| Non-surgical cancer treatment | full cover p.44 |
| Kidney dialysis | Fully covered p.44 |
| Day case procedures | Covered as in-patient for core benefits; USD200 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 | USD10,000 per Policy Year p.45 |
| Chinese medicine | USD75 per visit, 1 visit per day, max 15 visits per Confinement/Day Case Procedure (within 90 days after discharge/completion) p.45 |
| Physiotherapy | Fully covered as part of pre/post-confinement outpatient care; USD125 per visit, max 30 visits per Policy Year and USD12,500 per Incident for Stroke ancillary benefit p.17 |
| Congenital conditions | Not covered if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Fully covered within 3 months of the Accident p.45 |
| Hospital cash | USD150 per day, maximum 60 days per Policy Year p.45 |
| Companion bed | Fully covered p.45 |
| Second medical opinion | Available as part of personal medical case management services, but costs for additional review/consultation are borne by Insured Person/Policy Holder p.36 |
| No-claim discount | Medical check-up service if no benefits paid in preceding Policy Year p.36 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only |
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.