AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00074-16-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$792 |
| 45 | HK$1,248 |
| 60 | HK$2,647 |
| 75 | HK$6,717 |
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 | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period after delivery of policy/notice. After cooling-off, cancellation requires 30 days notice and no benefit payment in the policy year. p.4 |
| Switching from another plan | Switching to a plan with upgraded/added benefits allows re-underwriting limited to those benefits. Switching to a plan with downgraded/reduced benefits does not allow re-underwriting, but the company has discretion to accept/reject. p.12 |
| Room class | Semi-Private Room for Hong Kong, Macau and mainland China; Standard Private Room for anywhere else 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) if a higher room class is used, unless due to unavailability, isolation, or other non-personal preference reasons. 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, subject to reduction if in United States for US citizens staying 182+ days 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 | USD6,250, with a guaranteed zero option available at certain ages p.21 |
| How the deductible applies | Per Policy Year, with an option to reduce at ages 50, 55, 60, 65, 70, 75, or 81, including a guaranteed zero deductible option. p.21 |
| 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 (excluding dietitian) within 90 days (or 365 days for complex/major surgery) after discharge/day case. 4 dietitian consultation follow-up visits at USD85 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 many benefits; also a cash benefit of USD200 per procedure, max 1 per policy year. p.47 |
| 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/completion). p.46 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered as follow-up outpatient care post-confinement; covered under Stroke ancillary benefit at USD125 per visit, max 30 visits per policy year and USD12,500 per incident. p.47 |
| Congenital conditions | Covered from age 8 if not manifested or diagnosed before then. p.23 |
| Pregnancy complications | Payable according to benefit limits of respective 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 | 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 | full cover p.46 |
| Second medical opinion | Available through Personal medical case management services, including referral to a Specialist for review. p.35 |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment (except specific benefits); other forms of alternative treatment including hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy (except specific benefits). p.23 |
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$979 to HK$1,248.
| 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 |
|---|---|---|---|
| USD6,250 Deductible (Worldwide except USA) | Semi-private | HK$6,250 | USD1,500,000 per Policy Year |
| USD6,250 Deductible (Worldwide except USA) | Semi-private | HK$6,250 | 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.