AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-03-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,376 |
| 45 | HK$11,632 |
| 60 | HK$24,672 |
| 75 | HK$62,616 |
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 | 30 days for Pre-existing Condition(s) unknown at application p.20 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid. After cooling-off, cancellation with 30 days written notice if no benefit paid in current Policy Year. p.4 |
| Switching from another plan | Switching to another plan with upgraded or additional benefits is possible, subject to re-underwriting limited to such upgrade or additional benefits. p.12 |
| Room class | Semi-Private Room for Hong Kong, Macau and mainland China; Standard Private Room for anywhere else within geographical cover and for Emergency Treatment outside geographical cover 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.45 |
| Emergency treatment abroad | Worldwide, with a 50% reduction for US citizens staying 182 days or more in the US p.42 |
| Full cover on core benefits | yes p.46 |
| Annual limit | 12000000 p.45 |
| Lifetime limit | 60000000 p.45 |
| Deductible options | 25000, 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.21 |
| Coinsurance | none p.24 |
| Pre-admission outpatient | All prior outpatient visits or Emergency consultations within 30 days before each Confinement or Day Case Procedure; 1 prior outpatient visit or Emergency consultation more than 30 days before each Confinement or Day Case Procedure. Fully covered. p.46 |
| Post-discharge outpatient | All follow-up outpatient visits (excluding dietitian) within 90 days after discharge or Day Case Procedure; All follow-up outpatient visits (excluding dietitian) within 365 days after discharge or Day Case Procedure for complex/major surgery. 4 dietitian consultation follow-up outpatient visits within 90 days, HKD680 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 | Fully covered p.46 |
| Day case procedures | Covered as Day Patient. Cash benefit of HKD1,600 per procedure, maximum 1 procedure per Policy Year. p.47 |
| 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.46 |
| Hospice care | HKD80,000 per Policy Year p.47 |
| Chinese medicine | HKD600 per visit, 1 follow-up outpatient visit per day, maximum 15 visits per Confinement/Day Case Procedure (within 90 days after discharge or completion of Day Case Procedure) p.47 |
| Physiotherapy | Covered under post-discharge outpatient care, no separate limit p.16 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.23 |
| Pregnancy complications | Covered for specific complications, subject to 300-day waiting period from Policy Effective Date, payable according to respective benefit items p.37 |
| Emergency dental | Fully covered within 3 months of the Accident p.47 |
| Hospital cash | HKD1,200 per day for using a lower ward class, maximum 60 days per Policy Year p.47 |
| Companion bed | Fully covered p.47 |
| Second medical opinion | Available through personal medical case management services, which can recommend suitable medical professionals for consultation p.35 |
| Exclusions beyond the VHIS standard list | Prophylactic treatment or preventive care, including Hair Mineral Analysis (HMA); Traditional Chinese medicine and other alternative treatments (e.g., hypnotism, qigong, massage, aromatherapy); Purchase of durable medical equipment (e.g., airway pressure machines, portable oxygen, dialysis machines, exercise equipment, air purifiers) 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$9,120 to HK$11,632.
| 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 |
|---|---|---|---|
| HKD25,000 Deductible (Asia) | Semi-private | HK$25,000 | HKD12,000,000 per Policy Year |
| HKD25,000 Deductible (Asia) | Semi-private | HK$25,000 | 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.