AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-01-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$18,568 |
| 45 | HK$28,368 |
| 60 | HK$58,576 |
| 75 | HK$146,248 |
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 | worldwide |
| Annual limit | HK$12,000,000 |
| Lifetime limit | HK$60,000,000 |
| 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, maternity, chinese medicine, health check, 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.11 |
|---|---|
| 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.20 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off if benefits paid in policy year; pro-rata refund upon death of insured or company ceasing authorization p.4 |
| Room class | Semi-Private Room (HK, Macau, mainland China); Standard Private Room (elsewhere within geographical cover or for Emergency Treatment outside geographical cover) p.45 |
| If a higher room is used | Benefits reduced by an Adjustment Factor if a room class above Covered Room is used p.42 |
| 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.45 |
| Psychiatric treatment area | Hong Kong and Macau only p.42 |
| Emergency treatment abroad | Worldwide. If US citizen and stayed in US for 182+ days in prior 12 months, benefits reduced to 50% for Emergency Treatment in US. p.45 |
| Full cover on core benefits | yes p.46 |
| Annual limit | 12000000 p.45 |
| Lifetime limit | 60000000 p.45 |
| Deductible options | 0 p.45 |
| How the deductible applies | Per Policy Year, with an option to reduce at ages 50, 55, 60, 65, 70, 75, or 81 p.45 |
| Coinsurance | none |
| Pre-admission outpatient | Fully covered for all prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure, and 1 prior visit more than 30 days before p.46 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits (except dietitian) within 90 days (or 365 days for complex/major surgery) and 4 dietitian visits within 90 days after discharge/day case procedure p.46 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.46 |
| Diagnostic imaging coinsurance | none p.46 |
| Non-surgical cancer treatment | full cover p.46 |
| Kidney dialysis | Fully covered p.46 |
| Day case procedures | Covered as in-patient for many benefits; HKD1,600 cash benefit per procedure, max 1 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 ICU admission) p.46 |
| Hospice care | 80000 p.46 |
| Chinese medicine | HKD600 per visit, max 15 follow-up visits per confinement/day case procedure (within 90 days after discharge/completion) p.46 |
| Physiotherapy | Fully covered during confinement and as post-discharge outpatient care; HKD1,000 per visit, max 30 visits per policy year and HKD100,000 per incident for Stroke ancillary benefit p.15 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.23 |
| Pregnancy complications | Covered according to respective benefit items (I (a)-(i), (k), (m), (o) and/or II (b)), provided diagnosis is at least 300 days after policy effective date p.47 |
| Emergency dental | Fully covered within 3 months of the accident p.47 |
| Hospital cash | HKD1,200 per day for lower ward class (max 60 days); HKD1,600 per day surgery procedure (max 1 per policy year) p.47 |
| Companion bed | Fully covered p.46 |
| Second medical opinion | Available through personal medical case management services p.35 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances p.22 |
At a constant age of 45, AIA has filed 2 schedule changes on this plan since 2021, an average of +10.4% a year, taking the premium from HK$22,240 to HK$28,368.
| Year | Change |
|---|---|
| 2025 | +17.0% |
| 2026 | +9.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| HKD0 Deductible (Asia) | Semi-private | None | HKD12,000,000 per Policy Year |
| HKD0 Deductible (Asia) | Semi-private | None | HKD12,000,000 per Policy Year |
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.