AIA Voluntary Health Insurance Privilege Plus Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00054-05-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$1,124 |
| 45 | HK$1,623 |
| 60 | HK$3,303 |
| 75 | HK$8,700 |
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, 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 | No coverage for first 30 days of first Policy Year, full coverage from 31st day of first Policy Year onwards p.21 |
| Waiting period | 30 days for unknown pre-existing conditions p.21 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period if benefits paid in relevant Policy Year p.4 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is possible, but re-underwriting applies to 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 only p.39 |
| If a higher room is used | Benefits reduced by an Adjustment Factor if a room class above Covered Room is used p.41 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam) p.44 |
| Psychiatric treatment area | Hong Kong and Macau p.17 |
| Emergency treatment abroad | Worldwide, but 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.45 |
| Annual limit | USD1,250,000 p.45 |
| Lifetime limit | USD6,250,000 p.45 |
| Deductible options | USD2,000, with a guaranteed zero Deductible option available for reduction at certain ages p.45 |
| How the deductible applies | Per Policy Year, with options to reduce at ages 50, 55, 60, 65, 70, 75, or 81 p.22 |
| Coinsurance | none p.45 |
| Pre-admission outpatient | Fully covered for all prior outpatient visits or emergency consultations within 30 days before admission/Day Case Procedure, and 1 prior visit/consultation more than 30 days before p.45 |
| 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 $85 per visit within 90 days p.45 |
| General outpatient | none |
| Psychiatric treatment | USD5,000 per Policy Year p.45 |
| Diagnostic imaging coinsurance | none p.45 |
| Non-surgical cancer treatment | Fully covered p.45 |
| Kidney dialysis | Fully covered p.45 |
| Day case procedures | Covered as in-patient, fully covered 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.45 |
| Hospice care | USD10,000 per Policy Year p.46 |
| Chinese medicine | USD75 per visit, 1 visit per day, max 15 visits per Confinement/Day Case Procedure (within 90 days after discharge/completion) p.46 |
| Physiotherapy | Covered during Confinement, as follow-up outpatient care (within 90 days) after Confinement/Day Case Procedure, and under Stroke ancillary benefit p.16 |
| 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 due to an Accident, within 3 months of the Accident p.46 |
| 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.46 |
| Companion bed | Fully covered for an extra bed for one companion during Confinement p.46 |
| Second medical opinion | Available through personal medical case management services, including recommendations for suitable medical professionals p.46 |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Yes, 5% for 3 claims-free years, 10% for 4 claims-free years, 15% for 5+ claims-free years p.60 |
| Exclusions beyond the VHIS standard list | Screening or surveillance procedures based on health history of Insured Person and/or family members, Hair Mineral Analysis (HMA), immunisation or health supplements; Sexual dysfunction including impotence, erectile dysfunction or pre-mature ejaculation 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$1,190 to HK$1,623.
| 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.