AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-11-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$922 |
| 45 | HK$1,454 |
| 60 | HK$3,084 |
| 75 | HK$7,827 |
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 first policy year, full coverage from 31st day of first policy year onwards p.20 |
| Waiting period | 30 days for pre-existing conditions unknown at application; 300 days for pregnancy complications p.20 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; after cooling-off, cancellation with 30 days notice if no benefits paid in current policy year; pro-rata refund upon death of insured 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, 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 higher room class than 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 receiving emergency treatment in the United States if they stayed 182 days or more in the US in the prior 12 months p.43 |
| Full cover on core benefits | yes p.46 |
| Annual limit | USD1,500,000 p.45 |
| Lifetime limit | USD7,500,000 p.45 |
| Deductible options | USD3,125, 0 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.21 |
| Coinsurance | none p.46 |
| Pre-admission outpatient | Fully covered for all prior outpatient visits or emergency consultations within 30 days before confinement or day case procedure; 1 prior outpatient visit or emergency consultation more than 30 days before 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 or day case procedure, or within 365 days for complex/major surgery; $85 per visit for 4 dietitian consultation follow-up visits within 90 days 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 | full cover p.46 |
| Day case procedures | Covered as per relevant benefit items 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 | USD10,000 per Policy Year p.46 |
| Chinese medicine | USD75 per visit, 1 follow-up visit per day, max 15 visits per confinement/day case procedure (within 90 days after discharge) p.46 |
| Physiotherapy | Covered during confinement under miscellaneous charges, under pre/post confinement outpatient care, and under stroke ancillary benefit p.15 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | Covered for specific complications after 300-day waiting period, payable according to benefit limits of respective items p.37 |
| Emergency dental | Fully covered for emergency treatment necessitated by injury to sound natural teeth within 3 months of the accident p.47 |
| Hospital cash | USD150 per day, maximum 60 days per Policy Year, for confinement in a room below Covered Room class in Hong Kong and Macau private hospitals p.47 |
| Companion bed | Fully covered for an extra bed for one companion during confinement p.46 |
| Second medical opinion | Available through personal medical case management services, where medical information may be referred to a specialist for review p.35 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics; venereal and sexually transmitted disease or its sequelae; purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments (with exceptions) p.21 |
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$1,140 to HK$1,454.
| 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 |
|---|---|---|---|
| USD3,125 Deductible (Asia) | Semi-private | HK$3,125 | USD1,500,000 per Policy Year |
| USD3,125 Deductible (Asia) | Semi-private | HK$3,125 | 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.