AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-15-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,014 |
| 45 | HK$1,600 |
| 60 | HK$3,392 |
| 75 | HK$8,611 |
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 | First 30 days of the first Policy Year no coverage, 31st day of the first Policy Year onwards full coverage p.20 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.20 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (if no benefit paid). No refund after cooling-off period if cancelled by policyholder. 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, company discretion to accept/reject). p.12 |
| Room class | Semi-Private Room for Hong Kong, Macau and mainland China; Standard Private Room for elsewhere within geographical cover and for Emergency Treatment outside geographical cover p.45 |
| If a higher room is used | Benefits reduced by an Adjustment Factor, calculated by (highest daily room charge of Covered Room / daily actual room charge of higher room) p.42 |
| Geographical cover | Worldwide excluding United States for non-Emergency Treatment p.45 |
| Psychiatric treatment area | Hong Kong and Macau only p.42 |
| Emergency treatment abroad | Worldwide. Reduced to 50% for US citizens staying 182+ days in the US for Emergency Treatment in the US. p.42 |
| 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. Policy Holder can reduce deductible at ages 50, 55, 60, 65, 70, 75, 81 without further evidence of insurability. p.45 |
| 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 p.46 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits (excluding dietitian) within 90 days after discharge/Day Case Procedure, or 365 days for complex/major surgery. 4 dietitian consultation visits at $85 per visit 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 in-patient for various benefits, including room, surgery, imaging, and cancer treatment 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 | USD10,000 per Policy Year p.46 |
| Chinese medicine | $75 per visit, 1 follow-up outpatient visit per day, maximum 15 visits per Confinement/Day Case Procedure (within 90 days after discharge/completion) p.46 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges; covered for follow-up outpatient visits after Confinement/Day Case Procedure; covered under Stroke ancillary benefit p.15 |
| Congenital conditions | Covered if manifested or diagnosed after 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 within 3 months of the Accident p.47 |
| Hospital cash | $150 per day, maximum 60 days per Policy Year p.47 |
| Companion bed | Fully covered p.46 |
| Second medical opinion | Available through Personal medical case management services, which can provide recommendations for suitable medical professionals p.35 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances for home use 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$1,255 to HK$1,600.
| 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 (Worldwide except USA) | Semi-private | HK$3,125 | USD1,500,000 per Policy Year |
| USD3,125 Deductible (Worldwide except USA) | 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.