AIA Voluntary Health Insurance SelectWise Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00081-03-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$5,112 |
| 45 | HK$7,840 |
| 60 | HK$19,288 |
| 75 | HK$48,976 |
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 | No coverage for first 30 days of first Policy Year, full coverage from 31st day of first Policy Year onwards p.21 |
| Waiting period | 30 days for unknown pre-existing conditions p.21 |
| Cancellation and refund | Full refund during 21-day cooling-off period. After cooling-off, cancellation with 30 days notice if no benefit payment in policy year, no refund mentioned. p.4 |
| Switching from another plan | Possible to switch to another plan with upgrade or addition of benefits, subject to re-underwriting for the upgraded/additional benefits p.12 |
| Room class | Semi-Private Room, Standard Private Room, or Ward Room depending on location and hospital/provider network p.57 |
| If a higher room is used | Benefits reduced by an Adjustment Factor p.53 |
| 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.57 |
| Psychiatric treatment area | Hong Kong and Macau only p.57 |
| Emergency treatment abroad | Worldwide p.57 |
| Full cover on core benefits | yes p.58 |
| Annual limit | 12000000 p.57 |
| Lifetime limit | 60000000 p.57 |
| Deductible options | 0, 18000 p.57 |
| How the deductible applies | Per Policy Year, with a right to reduce at ages 50, 55, 60, 65, 70, 75, or 81 p.57 |
| Coinsurance | none |
| Pre-admission outpatient | Network: 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: HKD640 per visit for 1 prior outpatient visit or emergency consultation within 30 days before confinement/day case procedure. p.58 |
| Post-discharge outpatient | Network: Fully covered for all follow-up visits within 90 days (minor/intermediate surgery) or 365 days (complex/major surgery). Non-network: HKD640 per visit for 3 follow-up visits within 90 days (minor/intermediate 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 | Fully covered p.59 |
| Day case procedures | Covered as in-patient, fully covered for room and board, miscellaneous charges, etc. p.15 |
| Home nursing | Fully covered, maximum 196 days per Policy Year within 196 days after discharge from hospital following surgery or ICU admission p.59 |
| Hospice care | HKD80,000 per Policy Year p.59 |
| Chinese medicine | Network: HKD1,000 per visit; Non-network: HKD600 per visit. 1 follow-up visit per day, max 20 visits per confinement/day case procedure within 90 days after discharge. p.59 |
| Physiotherapy | Covered during confinement under miscellaneous charges. For Stroke ancillary benefit: HKD1,000 per visit, max 30 visits per Policy Year and HKD100,000 per Incident. p.16 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | Covered for Covered Pregnancy Complications, payable according to benefit limits of core benefits and hospital companion bed benefit p.60 |
| Emergency dental | Fully covered within 3 months of the Accident p.60 |
| Hospital cash | HKD2,400 per day, maximum 60 days per Policy Year (for using a lower ward class in designated hospitals in HK/Macau) p.60 |
| Companion bed | Fully covered p.59 |
| Second medical opinion | Available through personal medical case management services p.60 |
| Direct billing and pre-authorisation | Direct billing available with Network Service Providers, requires pre-authorization p.46 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine and other alternative treatments (unless specifically covered) 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$7,840 to HK$7,840.
| 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 |
|---|---|---|---|
| HKD18,000 Deductible | Semi-private | HK$18,000 | HKD12,000,000 per Policy Year |
| HKD18,000 Deductible | Semi-private | HK$18,000 | 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.