AIA Voluntary Health Insurance SelectWise Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00081-02-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$6,512 |
| 45 | HK$9,984 |
| 60 | HK$24,456 |
| 75 | HK$62,048 |
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 | asia |
| 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 dental, maternity, chinese medicine, 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.21 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid. After cooling-off, cancellation with 30 days written notice if no benefit paid in current policy year. p.4 |
| Switching from another plan | Policy Holder can switch to another plan with upgraded/additional benefits, subject to re-underwriting limited to the upgraded/additional benefits. p.12 |
| Room class | Semi-Private Room (Hong Kong/Macau Designated Hospitals with Network Service Provider, or Mainland China Group B Designated Hospitals); Standard Private Room (Mainland China Group A Designated Hospitals); Ward Room (Hong Kong/Macau non-Designated Hospitals, Hong Kong Designated Hospitals with non-Network Service Provider, Asia excluding HK/Macau/Mainland China, or Emergency Treatment outside Asia) p.57 |
| If a higher room is used | Benefits reduced by multiplying an Adjustment Factor (calculated by dividing highest daily room charge of Covered Room by actual daily room charge of higher room) p.53 |
| Geographical cover | Asia for non-Emergency Treatment; Worldwide for Emergency Treatment p.57 |
| Psychiatric treatment area | Hong Kong and Macau only p.57 |
| Emergency treatment abroad | Worldwide, with 50% reduction for US citizens staying 182+ days in the US before emergency treatment in the US p.52 |
| Full cover on core benefits | yes p.58 |
| Annual limit | 12000000 p.57 |
| Lifetime limit | 60000000 p.57 |
| Deductible options | 8800, 0 (guaranteed at certain ages) p.57 |
| How the deductible applies | Per Policy Year, with option to reduce to zero at ages 50, 55, 60, 65, 70, 75, 81 p.22 |
| Coinsurance | none p.21 |
| Pre-admission outpatient | Network benefit: Fully covered for all prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure, or 1 visit more than 30 days before. Non-Network benefit: HKD640 per visit for 1 prior outpatient visit or emergency consultation. p.58 |
| Post-discharge outpatient | Network benefit: Fully covered for all follow-up visits within 90 days (minor/intermediate surgery or no surgery) or 365 days (complex/major surgery). Non-Network benefit: HKD640 per visit for 3 follow-up visits within 90 days (minor/intermediate surgery or no surgery) or 365 days (complex/major surgery). p.59 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.59 |
| Diagnostic imaging coinsurance | none p.58 |
| Non-surgical cancer treatment | full cover p.58 |
| Kidney dialysis | full cover p.59 |
| Day case procedures | Covered as in-patient, and a Day surgery cash benefit of HKD1,200 (Network) or HKD800 (Non-Network) per procedure, max 1 per policy year. p.16 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or admission to Intensive Care Unit) p.59 |
| Hospice care | 80000 per Policy Year p.59 |
| Chinese medicine | 1 follow-up outpatient visit per day, max 20 visits per confinement/day case procedure (within 90 days after discharge). HKD1,000 per visit (Network) or HKD600 per visit (Non-Network). p.59 |
| Physiotherapy | Covered during confinement. For Stroke, HKD1,000 per visit, max 30 visits per Policy Year and HKD100,000 per Incident. p.16 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.25 |
| Pregnancy complications | Covered for specific complications (e.g., ectopic pregnancy, pre-eclampsia) if diagnosed at least 300 days after Policy Effective Date, payable according to respective benefit items. p.41 |
| Emergency dental | Full cover for emergency treatment necessitated by injury to sound natural teeth within 3 months of accident. Excludes precious metals or orthodontic treatment. p.39 |
| Hospital cash | HKD2,400 per day, max 60 days per Policy Year, for confinement in a lower ward class than entitled in a private hospital within Designated Hospitals in HK/Macau. p.59 |
| Companion bed | Full cover for expenses charged by the Hospital for an extra bed for one person accompanying the Insured Person. p.36 |
| Second medical opinion | Available through Personal medical case management services, which can recommend suitable medical professionals for consultation. p.40 |
| Direct billing and pre-authorisation | Direct billing available with Network Service Providers upon prior authorization and presentation of Network Card. p.46 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | sex reassignment of either sex; purchase of durable medical equipment or appliances p.24 |
At a constant age of 45, AIA has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$9,984 to HK$9,984.
| Year | Change |
|---|---|
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| HKD8,800 Deductible | Semi-private | HK$8,800 | HKD12,000,000 per Policy Year |
| HKD8,800 Deductible | Semi-private | HK$8,800 | 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.