AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-04-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,752 |
| 45 | HK$9,080 |
| 60 | HK$19,256 |
| 75 | HK$48,848 |
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 | 30 days for unknown pre-existing conditions p.20 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.4 |
| Switching from another plan | Possible to switch to another plan, re-underwriting applies for upgraded benefits p.12 |
| Room class | Semi-Private Room in HK, Macau, mainland China; Standard Private Room elsewhere within geographical cover; Standard Private Room for emergency outside geographical cover p.45 |
| If a higher room is used | Benefits reduced by an Adjustment Factor (highest daily Covered Room charge / actual daily room charge) if a higher room class is used p.42 |
| Geographical cover | Asia for non-Emergency Treatment p.45 |
| Psychiatric treatment area | Hong Kong and Macau only p.17 |
| Emergency treatment abroad | Worldwide, but reduced to 50% for US citizens in the US if stayed 182 days or more in the past 12 months p.42 |
| Full cover on core benefits | yes p.46 |
| Annual limit | 12000000 p.45 |
| Lifetime limit | 60000000 p.45 |
| Deductible options | 50000 p.45 |
| How the deductible applies | Per Policy Year, with a one-time option to reduce at ages 50, 55, 60, 65, 70, 75, or 81 p.21 |
| Coinsurance | none p.46 |
| Pre-admission outpatient | Fully covered for all prior outpatient visits/emergency consultations within 30 days before confinement/day case procedure; 1 prior visit fully covered if more than 30 days before p.46 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits (non-dietitian) within 90 days (or 365 days for complex/major surgery); 4 dietitian consultation visits at HKD680 per visit within 90 days 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 for haemodialysis or peritoneal dialysis p.46 |
| Day case procedures | Covered as in-patient, with a cash benefit of HKD1,600 per procedure (max 1 per policy year) p.47 |
| Home nursing | Fully covered, maximum 196 days per Policy Year after discharge from hospital following surgery or ICU admission p.46 |
| Hospice care | HKD80,000 per Policy Year p.46 |
| Chinese medicine | HKD600 per visit, max 15 follow-up visits per confinement/day case procedure within 90 days of discharge p.46 |
| Physiotherapy | Fully covered during confinement and as part of pre/post-confinement outpatient care; HKD1,000 per visit (max 30 visits/HKD100,000 per incident) for stroke rehabilitation p.47 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | Covered according to respective benefit limits, 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, maximum 60 days per Policy Year, for using a lower ward class in a private hospital in HK/Macau p.47 |
| Companion bed | Fully covered p.46 |
| Second medical opinion | Available through personal medical case management services p.35 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances for home use 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$7,120 to HK$9,080.
| 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 |
|---|---|---|---|
| HKD50,000 Deductible (Asia) | Semi-private | HK$50,000 | HKD12,000,000 per Policy Year |
| HKD50,000 Deductible (Asia) | Semi-private | HK$50,000 | 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.