AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-10-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$997 |
| 45 | HK$1,529 |
| 60 | HK$3,257 |
| 75 | HK$8,269 |
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$1,500,000 |
| Lifetime limit | HK$7,500,000 |
| 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$5,000 |
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 the first Policy Year, full coverage from 31st day of the first Policy Year onwards p.20 |
| Waiting period | 30 days for unknown pre-existing conditions p.20 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid; no refund after cooling-off period if benefits paid in current policy year; pro-rata refund if terminated due to death or company ceasing authorization 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, but company discretion to accept/reject) p.12 |
| Room class | Semi-Private Room for Hong Kong, Macau and mainland China; Standard Private Room for other areas (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 | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam) p.45 |
| Psychiatric treatment area | Hong Kong and Macau only p.42 |
| Emergency treatment abroad | Worldwide, with 50% reduction for US citizens in the US for 182+ days p.45 |
| Full cover on core benefits | yes p.46 |
| Annual limit | USD1,500,000 p.45 |
| Lifetime limit | USD7,500,000 p.45 |
| Deductible options | USD2,000 p.45 |
| How the deductible applies | Per Policy Year, with an option to reduce at ages 50, 55, 60, 65, 70, 75, or 81 p.45 |
| Coinsurance | none p.46 |
| Pre-admission outpatient | Fully covered for all prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure, and 1 prior visit/consultation 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 follow-up visits within 90 days, USD85 per visit p.46 |
| General outpatient | none |
| Psychiatric treatment | USD5,000 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 various benefits; Day surgery cash benefit of USD200 per procedure, maximum 1 per Policy Year p.46 |
| 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 | USD10,000 per Policy Year p.46 |
| Chinese medicine | USD75 per visit, 1 follow-up visit per day, max 15 follow-up visits per confinement/day case procedure (within 90 days after discharge/completion) p.46 |
| Physiotherapy | Fully covered during confinement and as post-discharge outpatient care; for Stroke, USD125 per visit, max 30 visits per Policy Year and USD12,500 per Incident p.15 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.23 |
| Pregnancy complications | Covered for specified complications, reimbursed according to relevant benefit items, 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 | USD150 per day, maximum 60 days per Policy Year, for confinement in a lower ward class in Hong Kong/Macau private hospital p.47 |
| Companion bed | Fully covered p.47 |
| Second medical opinion | Available through personal medical case management services p.35 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); 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 +10.4% a year, taking the premium from HK$1,199 to HK$1,529.
| 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 |
|---|---|---|---|
| USD2,000 Deductible (Asia) | Semi-private | HK$2,000 | USD1,500,000 per Policy Year |
| USD2,000 Deductible (Asia) | Semi-private | HK$2,000 | USD1,500,000 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.