AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-02-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,976 |
| 45 | HK$12,232 |
| 60 | HK$26,056 |
| 75 | HK$66,152 |
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 | No coverage for first 30 days of first Policy Year, full coverage from 31st day of first Policy Year onwards p.20 |
| Waiting period | none p.20 |
| Cancellation and refund | Full refund during 21-day cooling-off period; no refund after cooling-off period if benefits paid p.4 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (discretionary acceptance by company) p.12 |
| Room class | Semi-Private Room for Hong Kong, Macau and mainland China; Standard Private Room for anywhere else p.45 |
| If a higher room is used | Benefits reduced by an Adjustment Factor, calculated by dividing the highest daily room charge of a Covered Room by the actual daily room charge of the higher class room 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, with 50% reduction for US citizens staying 182 days or more in the US p.45 |
| Full cover on core benefits | yes p.46 |
| Annual limit | 12000000 p.45 |
| Lifetime limit | 60000000 p.45 |
| Deductible options | 0, 16000 p.45 |
| How the deductible applies | Per Policy Year, with option to reduce at ages 50, 55, 60, 65, 70, 75, 81 p.45 |
| Coinsurance | none p.46 |
| Pre-admission outpatient | All prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure; 1 prior outpatient visit or emergency consultation more than 30 days before confinement/day case procedure p.46 |
| Post-discharge outpatient | All follow-up outpatient visits (non-dietitian) within 90 days after discharge/day case procedure; All follow-up outpatient visits (non-dietitian) within 365 days after discharge/day case procedure for complex/major surgery; 4 dietitian consultation follow-up outpatient visits within 90 days after discharge/day case procedure, $680 per visit 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 | full cover p.46 |
| Day case procedures | Covered as in-patient for various benefits p.15 |
| 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 per Policy Year p.46 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge/completion) p.46 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered as follow-up outpatient care under pre/post confinement benefit; covered under Stroke ancillary benefit at HKD1,000 per visit, maximum 30 visits per Policy Year and HKD100,000 per incident p.15 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | Payable according to respective benefit limits, if diagnosed 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, maximum 60 days per Policy Year, for using a lower ward class in a private hospital in Hong Kong and Macau p.47 |
| Companion bed | Fully covered p.46 |
| Second medical opinion | Available through personal medical case management services p.47 |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate available p.13 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease; dependence, overdose or influence of drugs, alcohol, narcotics; Hair Mineral Analysis (HMA); birth control, sterilisation, sex reassignment, sexual dysfunction; 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$9,592 to HK$12,232.
| 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 |
|---|---|---|---|
| HKD16,000 Deductible (Asia) | Semi-private | HK$16,000 | HKD12,000,000 per Policy Year |
| HKD16,000 Deductible (Asia) | Semi-private | HK$16,000 | 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.