AIA Voluntary Health Insurance SelectWise Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00081-04-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,440 |
| 45 | HK$7,000 |
| 60 | HK$17,144 |
| 75 | HK$43,512 |
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 the first Policy Year; full coverage from 31st day of the first Policy Year onwards p.21 |
| Waiting period | 30 days for unknown pre-existing conditions p.21 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. After cooling-off, no refund of premium paid for current or previous policy years if cancelled with 30 days notice and no benefit payment. p.4 |
| Switching from another plan | Switching to another plan with upgraded or additional benefits is possible, but re-underwriting will apply to the upgraded/additional benefits. p.12 |
| Room class | Standard Private Room (for Designated Hospitals in mainland China group A); Semi-Private Room (for Designated Hospitals in Hong Kong/Macau or mainland China group B); Ward Room (for other cases) p.57 |
| If a higher room is used | Benefits reduced by an Adjustment Factor, unless due to unavailability of Covered Room for Emergency Treatment, isolation reasons, or other non-personal preference reasons. 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, but for US citizens staying 182+ days in the US, benefits are reduced to 50% for Emergency Treatment in the US. p.57 |
| Full cover on core benefits | yes p.58 |
| Annual limit | 12000000 p.57 |
| Lifetime limit | 60000000 p.57 |
| Deductible options | 30000, 0 (at certain ages) p.57 |
| How the deductible applies | Per Policy Year, with an option to reduce to zero at ages 50, 55, 60, 65, 70, 75, or 81. p.57 |
| Coinsurance | none p.21 |
| Pre-admission outpatient | Fully covered for all prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure (network/designated hospitals); or 1 visit if more than 30 days before (network/designated hospitals). Capped at HKD640 per visit for non-network/non-designated hospitals. p.58 |
| Post-discharge outpatient | Fully covered for all follow-up visits within 90 days (intermediate/minor surgery or no surgery) or 365 days (complex/major surgery) for network/designated hospitals. Capped at HKD640 per visit for 3 visits within 90/365 days for non-network/non-designated hospitals. p.59 |
| General outpatient | none |
| Psychiatric treatment | 40000 per Policy Year 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, fully covered for eligible expenses. p.15 |
| Home nursing | Fully covered up to 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 | Up to 20 follow-up outpatient visits per confinement/day case procedure within 90 days. HKD1,000 per visit (network/designated hospitals) or HKD600 per visit (non-network/non-designated hospitals). p.59 |
| Physiotherapy | Covered under pre- and post-confinement outpatient care (fully covered or HKD640 per visit, see pre/post-admission details). Also covered under Stroke ancillary benefit: HKD1,000 per visit, max 30 visits per Policy Year and HKD100,000 per Incident. p.59 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8. p.25 |
| Pregnancy complications | Covered according to respective benefit items, provided diagnosis is at least 300 days after Policy Effective Date. 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 private hospitals in HK/Macau). p.59 |
| Companion bed | Fully covered p.59 |
| Second medical opinion | Available through personal medical case management services. p.60 |
| Direct billing and pre-authorisation | Available for Network Service Providers with prior 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 (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, homeotherapy) except covered benefits; Hair Mineral Analysis (HMA). 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$7,000 to HK$7,000.
| 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 |
|---|---|---|---|
| HKD30,000 Deductible | Semi-private | HK$30,000 | HKD12,000,000 per Policy Year |
| HKD30,000 Deductible | Semi-private | HK$30,000 | 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.