AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-07-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,112 |
| 45 | HK$12,800 |
| 60 | HK$27,136 |
| 75 | HK$68,888 |
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 during 21-day cooling-off period if no benefits paid. After cooling-off, cancellation with 30 days notice if no benefits paid. p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, company discretion). p.12 |
| Room class | Semi-Private Room in HK, Macau, mainland China; Standard Private Room elsewhere within 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) p.42 |
| Geographical cover | Worldwide excluding United States for non-emergency; Worldwide for emergency p.45 |
| Psychiatric treatment area | Hong Kong and Macau only p.17 |
| Emergency treatment abroad | Covered Worldwide. Reduced to 50% if US citizen stayed in US for 182+ days 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 | 25000, 0 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 | 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 visits (non-dietitian) within 90 days, or 365 days for complex/major surgery. 4 dietitian visits within 90 days, $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 inpatient for various benefits, no specific limit stated beyond overall annual limit p.14 |
| 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, 1 visit per day, max 15 visits per confinement/day case procedure (within 90 days post-discharge) p.46 |
| Physiotherapy | Covered during confinement under miscellaneous charges. Covered as follow-up outpatient care. For Stroke, HKD1,000 per visit, max 30 visits per year and HKD100,000 per incident. p.47 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | Covered for listed complications, subject to 300-day waiting period from policy effective date. Limits as per respective benefit items. p.37 |
| Emergency dental | Fully covered within 3 months of accident p.47 |
| Hospital cash | HKD1,200 per day for lower ward class (max 60 days/year); HKD1,600 per procedure for day surgery (max 1 procedure/year) p.47 |
| Companion bed | Fully covered p.46 |
| Second medical opinion | Available through personal medical case management services, including specialist review and recommendations 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 alternative treatments (except specific benefits) p.22 |
At a constant age of 45, AIA has filed 2 schedule changes on this plan since 2021, an average of +10.3% a year, taking the premium from HK$10,040 to HK$12,800.
| 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 (Worldwide except USA) | Semi-private | HK$25,000 | HKD12,000,000 per Policy Year |
| HKD25,000 Deductible (Worldwide except USA) | 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.