AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-06-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,776 |
| 45 | HK$13,456 |
| 60 | HK$28,672 |
| 75 | HK$72,776 |
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 within 21-day cooling-off period. After cooling-off, cancellation with 30 days notice if no claims. Pro-rata refund if terminated due to death or company ceasing authorization. p.4 |
| Switching from another plan | Policy Holder can switch to another plan with downgrade or reduction of benefits; Company has discretion to accept/reject based on prevailing practices. p.12 |
| Room class | Semi-Private Room for Hong Kong, Macau and mainland China; Standard Private Room for anywhere else, excluding Hong Kong, Macau and mainland China 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 daily actual room charge of the higher class room p.42 |
| Geographical cover | Worldwide excluding United States p.45 |
| Psychiatric treatment area | Hong Kong and Macau only p.41 |
| Emergency treatment abroad | Worldwide, but reduced to 50% if US citizen and stayed in US for 182 days or more in the 12 months prior to treatment in US p.42 |
| Full cover on core benefits | yes p.46 |
| Annual limit | 12000000 p.45 |
| Lifetime limit | 60000000 p.45 |
| Deductible options | 16000, 0 p.21 |
| How the deductible applies | Per Policy Year. Right to reduce deductible at ages 50, 55, 60, 65, 70, 75, 81. Deductible waived for Designated Cancer if Insured Person is 75 or above. p.21 |
| Coinsurance | none |
| Pre-admission outpatient | Fully covered for all prior outpatient visits 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. 4 dietitian consultation 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 | full cover p.46 |
| Day case procedures | Covered as in-patient for various benefits. Day surgery cash benefit of HKD1,600 per procedure, max 1 per policy year. p.47 |
| Home nursing | Fully covered, max 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) p.47 |
| Physiotherapy | Fully covered during confinement and for pre/post-confinement outpatient care. For Stroke ancillary benefit: HKD1,000 per visit, max 30 visits per Policy Year and HKD100,000 per Incident. p.46 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.23 |
| Pregnancy complications | Covered according to respective benefit limits, 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, max 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.47 |
| Second medical opinion | Available through personal medical case management services for recommendations on suitable medical professionals p.35 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Traditional Chinese medicine and alternative treatments (e.g., hypnotism, qigong, massage, aromatherapy, naturopathy, homeotherapy); Personal medical case management services exclude conditions like diabetes, eating disorders, fibromyalgia, chronic fatigue, severe burns, allergies, obesity, organ transplant. 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$10,552 to HK$13,456.
| 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 (Worldwide except USA) | Semi-private | HK$16,000 | HKD12,000,000 per Policy Year |
| HKD16,000 Deductible (Worldwide except USA) | 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.