AIA Voluntary Health Insurance Privilege Plus Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00054-01-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$18,608 |
| 45 | HK$27,088 |
| 60 | HK$53,392 |
| 75 | HK$138,304 |
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, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, a death benefit.
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 during 21-day cooling-off period. After cooling-off, cancellation with 30 days written notice if no benefit payment in current Policy Year. p.4 |
| Switching from another plan | Switching to another plan with upgrade or addition of benefits is possible, with re-underwriting limited to such upgrade or additional benefits. p.13 |
| Room class | Asia: Semi-Private Room (HK, Macau, Mainland China), Standard Private Room (rest of Asia); Outside Asia: Standard Private Room (Emergency Treatment only) 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.45 |
| Psychiatric treatment area | Hong Kong and Macau only p.15 |
| Emergency treatment abroad | Worldwide p.45 |
| Full cover on core benefits | yes p.46 |
| Annual limit | 10000000 p.45 |
| Lifetime limit | 50000000 p.45 |
| Deductible options | 0 p.45 |
| How the deductible applies | Per Policy Year. Right to reduce deductible at 50, 55, 60, 65, 70, 75 or 81st birthday, exercisable once. p.22 |
| Coinsurance | none p.21 |
| Pre-admission outpatient | All prior outpatient visits or Emergency consultations within 30 days before each admission or Day Case Procedure, fully covered. p.45 |
| Post-discharge outpatient | All follow-up outpatient visits (except dietitian) within 90 days after discharge, fully covered. 4 dietitian consultation follow-up visits within 90 days, HKD680 per visit. p.45 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.45 |
| Diagnostic imaging coinsurance | none p.45 |
| Non-surgical cancer treatment | full cover p.45 |
| Kidney dialysis | Fully covered p.45 |
| Day case procedures | Covered as in-patient, plus HKD1,600 cash benefit per procedure, maximum 1 procedure per Policy Year. p.46 |
| Home nursing | Fully covered, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or admission to Intensive Care Unit). p.45 |
| Hospice care | HKD80,000 per Policy Year p.46 |
| Chinese medicine | HKD600 per visit, 1 follow-up outpatient visit per day, maximum 15 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge). p.46 |
| Physiotherapy | Fully covered during Confinement (Miscellaneous charges) and as follow-up outpatient care (Pre- and post-Confinement/Day Case Procedure outpatient care). 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.46 |
| Hospital cash | HKD1,200 per day, maximum 60 days per Policy Year (for using a room below Covered Room class in HK/Macau private hospital). p.46 |
| Companion bed | Fully covered p.46 |
| Second medical opinion | Available as part of personal medical case management services, including recommendations for suitable medical professionals. p.36 |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 5% for 3 claims-free years, 10% for 4 claims-free years, 15% for 5 or more claims-free years. p.60 |
| Exclusions beyond the VHIS standard list | Prophylactic treatment or preventive care, including but not limited to screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the Insured Person and/or his family members, Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments p.23 |
At a constant age of 45, AIA has filed 4 schedule changes on this plan since 2021, an average of +5.7% a year, taking the premium from HK$19,848 to HK$27,088.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | +7.0% |
| 2025 | +17.0% |
| 2026 | +9.0% |
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.