AIA Voluntary Health Insurance SelectWise Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00081-05-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,256 |
| 45 | HK$5,128 |
| 60 | HK$12,568 |
| 75 | HK$31,888 |
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 | 300 days for pregnancy complications benefit; 90 days for Elderly cancer support - waiver of Deductible for Designated Cancer p.41 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.4 |
| Room class | Semi-Private Room (Hong Kong Designated Hospitals with Network Service Providers); varies by location and network status 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.56 |
| Psychiatric treatment area | Hong Kong and Macau only p.57 |
| Emergency treatment abroad | Worldwide, but reduced to 50% for US citizens staying 182+ days 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 | 55000, 0 p.57 |
| How the deductible applies | Per Policy Year, with option to reduce at ages 50, 55, 60, 65, 70, 75, or 81 (including guaranteed zero deductible) p.57 |
| Coinsurance | none p.58 |
| Pre-admission outpatient | Network: Fully covered for all prior outpatient visits/emergency consultations within 30 days before confinement/day case procedure, or 1 visit more than 30 days before. Non-network: $640 per visit, 1 visit. p.58 |
| Post-discharge outpatient | Network: Fully covered for all follow-up visits within 90 days (intermediate/minor surgery) or 365 days (complex/major surgery). Non-network: $640 per visit, 3 visits within 90/365 days. p.59 |
| General outpatient | none |
| Psychiatric treatment | HKD40,000 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 under core benefits; cash benefit of HKD1,200 per procedure (max 1 per year) for network p.60 |
| 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.59 |
| Hospice care | HKD80,000 per Policy Year p.59 |
| Chinese medicine | Follow-up outpatient care after confinement/day case procedure, max 20 visits within 90 days. Network: HKD1,000 per visit. Non-network: HKD600 per visit. p.59 |
| Physiotherapy | Fully covered during confinement and as part of pre/post-confinement outpatient care. For stroke ancillary benefit: HKD1,000 per visit, max 30 visits per year and HKD100,000 per incident. p.60 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | Covered under respective benefit items, subject to 300-day waiting period p.60 |
| Emergency dental | Fully covered within 3 months of the Accident p.60 |
| Hospital cash | HKD2,400 per day, max 60 days per Policy Year (for using lower ward class) p.60 |
| Companion bed | Fully covered p.59 |
| Second medical opinion | Available through Personal medical case management services (Specialist review of medical information) p.40 |
| Direct billing and pre-authorisation | Available with Network Service Providers, requires prior-authorization for most services p.45 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics; venereal and sexually transmitted disease; 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$5,128 to HK$5,128.
| 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 |
|---|---|---|---|
| HKD55,000 Deductible | Semi-private | HK$55,000 | HKD12,000,000 per Policy Year |
| HKD55,000 Deductible | Semi-private | HK$55,000 | 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.