AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-05-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$20,424 |
| 45 | HK$31,200 |
| 60 | HK$64,432 |
| 75 | HK$160,872 |
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 during 21-day cooling-off period if no benefits paid. After cooling-off, cancellation with 30 days notice, no refund if benefits paid in current Policy Year. 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 (no re-underwriting, but company discretion to accept/reject). p.12 |
| Room class | Semi-Private Room in Hong Kong, Macau and mainland China; Standard Private Room elsewhere within geographical cover and 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 | Worldwide excluding United States p.45 |
| Psychiatric treatment area | Hong Kong and Macau only p.14 |
| Emergency treatment abroad | Covered worldwide. Reduced to 50% for US citizens staying 182+ days in the US for Emergency Treatment 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 | 0 p.45 |
| How the deductible applies | Per Policy Year. Right to reduce deductible at ages 50, 55, 60, 65, 70, 75, 81 without further evidence of insurability (once only). p.21 |
| Coinsurance | none p.46 |
| Pre-admission outpatient | Fully covered for 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. p.46 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits (excluding dietitian) within 90 days after discharge/Day Case Procedure, or 365 days for complex/major surgery. 4 dietitian consultation visits (HKD680 per visit) within 90 days. p.46 |
| General outpatient | none |
| Psychiatric treatment | HKD40,000 per Policy Year 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. Day surgery cash benefit of HKD1,600 per procedure, max 1 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 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 after discharge/completion) p.46 |
| Physiotherapy | Fully covered during Confinement and pre/post-Confinement outpatient care. For Stroke, HKD1,000 per visit, max 30 visits per Policy Year and HKD100,000 per Incident. p.47 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | Covered for Covered Pregnancy Complications, reimbursed according to respective benefit items, provided diagnosis is at least 300 days after Policy Effective Date. p.37 |
| Emergency dental | Fully covered within 3 months of the Accident p.47 |
| Hospital cash | HKD1,200 per day, maximum 60 days per Policy Year 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 | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other forms of alternative treatment p.23 |
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$24,464 to HK$31,200.
| 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 (Worldwide except USA) | Semi-private | None | HKD12,000,000 per Policy Year |
| HKD0 Deductible (Worldwide except USA) | 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.