AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-08-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,336 |
| 45 | HK$9,984 |
| 60 | HK$21,176 |
| 75 | HK$53,736 |
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 if cancelled within 21-day cooling-off period. After cooling-off, cancellation with 30 days written notice is possible if no benefit payment made in the Policy Year. p.4 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits may involve re-underwriting. Switching to a plan with downgraded/reduced benefits does not involve re-underwriting but is subject to company discretion. p.12 |
| Room class | Semi-Private Room for Hong Kong, Macau and mainland China; Standard Private Room for anywhere else (excluding HK, Macau, mainland China) 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 | Worldwide excluding United States for non-Emergency Treatment p.45 |
| Psychiatric treatment area | Hong Kong and Macau only p.17 |
| Emergency treatment abroad | Worldwide. If US citizen and stayed in US for 182 days or more in 12 months prior to Emergency Treatment in US, benefits reduced by 50%. p.42 |
| Full cover on core benefits | yes p.46 |
| Annual limit | 12000000 p.45 |
| Lifetime limit | 60000000 p.45 |
| Deductible options | 0, 50000 p.21 |
| How the deductible applies | Per Policy Year. Policy Holder has the right to reduce deductible at ages 50, 55, 60, 65, 70, 75, 81 without further evidence of insurability. 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 within 365 days for complex/major surgery. 4 dietitian consultation visits within 90 days, capped at HKD680 per visit. 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 | full cover p.46 |
| Day case procedures | Covered as per relevant benefit items for Eligible Expenses, including room and board, miscellaneous charges, pre- and post-procedure outpatient care. p.14 |
| 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.46 |
| Chinese medicine | HKD600 per visit, max 15 follow-up visits per Confinement/Day Case Procedure (within 90 days). Also covered under Stroke ancillary benefit at HKD1,000 per visit, max 30 visits per Policy Year and HKD100,000 per Incident. p.34 |
| Physiotherapy | Fully covered as part of pre- and post-Confinement/Day Case Procedure outpatient care. Also covered under Stroke ancillary benefit at HKD1,000 per visit, max 30 visits per Policy Year and HKD100,000 per Incident. p.16 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | Covered according to respective benefit items, provided diagnosis is at least 300 days after Policy Effective Date. p.37 |
| Emergency dental | Fully covered for Emergency Treatment necessitated by Injury caused by an Accident to sound natural teeth, within 3 months of the Accident. p.35 |
| Hospital cash | HKD1,200 per day, maximum 60 days per Policy Year, for Confinement in a room below Covered Room in a private Hospital in Hong Kong and Macau. p.47 |
| Companion bed | Fully covered p.46 |
| Second medical opinion | Available through Personal Medical Case Management Services, including medical condition review and re-evaluation by specialists, and recommendations for suitable medical professionals. p.35 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances; Hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy 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$7,832 to HK$9,984.
| 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 (Worldwide except USA) | Semi-private | HK$50,000 | HKD12,000,000 per Policy Year |
| HKD50,000 Deductible (Worldwide except USA) | 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.