AIA Voluntary Health Insurance Privilege Plus Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00054-06-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$940 |
| 45 | HK$1,398 |
| 60 | HK$2,831 |
| 75 | HK$7,459 |
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 | 0% for first 30 days of first policy year, 100% from 31st day of first policy year onwards p.21 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days' notice if no benefits paid, no refund mentioned. p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, 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.39 |
| If a higher room is used | Benefits reduced by an Adjustment Factor (ratio of Covered Room rate to actual room rate) p.41 |
| Geographical cover | Asia p.45 |
| Psychiatric treatment area | Hong Kong and Macau p.17 |
| Emergency treatment abroad | Worldwide, subject to 50% reduction for US citizens receiving emergency treatment in the US if stayed 182+ days 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 | USD3,125, 0 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 p.21 |
| Pre-admission outpatient | Fully covered for all prior outpatient visits/emergency consultations within 30 days before admission/day case procedure; USD85 per visit for 1 prior visit 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; USD85 per visit for 4 dietitian consultation follow-up visits 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 | full cover p.45 |
| Kidney dialysis | full cover p.45 |
| Day case procedures | Covered as in-patient under core benefits; USD200 cash benefit per procedure, max 1 per 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.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 post-discharge) p.46 |
| Physiotherapy | Covered during confinement (miscellaneous charges) and as follow-up outpatient care (fully covered) within 90 days post-discharge. Also covered under Stroke ancillary benefit (USD125 per visit, max 30 visits/year, USD12,500/incident). p.16 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Fully covered within 3 months of accident p.46 |
| Hospital cash | USD150 per day, maximum 60 days per Policy Year for using a lower ward class in Hong Kong/Macau private hospital p.46 |
| Companion bed | full cover p.46 |
| Second medical opinion | Available through personal medical case management services p.36 |
| No-claim discount | 5% after 3 claims-free years, 10% after 4 claims-free years, 15% after 5 or more claims-free years p.60 |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae 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$1,025 to HK$1,398.
| 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.