AIA Voluntary Health Insurance SelectWise Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00081-06-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$1,611 |
| 45 | HK$2,461 |
| 60 | HK$5,894 |
| 75 | HK$14,718 |
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$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 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; 90 days for elderly cancer support deductible waiver p.23 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. After cooling-off, cancellation requires 30 days notice, no refund if benefits paid in policy year. p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits requires re-underwriting for the upgrade/addition. Switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to company discretion. p.12 |
| Room class | Semi-Private Room (Hong Kong/Macau Designated Hospitals with Network Providers), Ward Room (Hong Kong/Macau Designated Hospitals with non-Network Providers, or non-Designated Hospitals in Hong Kong/Macau, or Asia excluding HK/Macau/Mainland China, or Emergency Treatment outside Asia), Standard Private Room (Mainland China Designated Hospitals Group A), Semi-Private Room (Mainland China Designated Hospitals Group B) p.57 |
| If a higher room is used | Benefits reduced by an Adjustment Factor (daily room charge of Covered Room / daily actual room charge of higher room) p.53 |
| Geographical cover | Asia for non-emergency treatment (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 for emergency treatment in the US p.53 |
| Full cover on core benefits | yes p.60 |
| Annual limit | USD1,500,000 p.57 |
| Lifetime limit | USD7,500,000 p.57 |
| Deductible options | USD0 p.57 |
| How the deductible applies | Per Policy Year, with option to reduce at ages 50, 55, 60, 65, 70, 75, 81 without new underwriting p.22 |
| Coinsurance | none p.27 |
| Pre-admission outpatient | Fully covered for all prior outpatient visits or emergency consultations within 30 days before each Confinement or Day Case Procedure (Network benefit in HK, or Designated Hospitals in Macau/Mainland China) p.58 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits within 90 days (minor/intermediate surgery or no surgery) or 365 days (complex/major surgery) after discharge/Day Case Procedure (Network benefit in HK, or Designated Hospitals in Macau/Mainland China) p.59 |
| General outpatient | none |
| Psychiatric treatment | USD5,000 per Policy Year p.59 |
| Diagnostic imaging coinsurance | none p.58 |
| Non-surgical cancer treatment | Fully covered p.58 |
| Kidney dialysis | Fully covered p.59 |
| Day case procedures | Covered as in-patient for various benefits including room, miscellaneous charges, surgeon's fee, anaesthetist's fee, operating theatre charges, prescribed diagnostic imaging tests, prescribed non-surgical cancer treatments, pre- and post-procedure outpatient care p.15 |
| 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 | USD10,000 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/Day Case Procedure. Network benefit (HK): USD125 per visit. Non-Network benefit (Asia excl. Macau/Mainland China): USD75 per visit. p.59 |
| Physiotherapy | Fully covered during Confinement (under miscellaneous charges) and as part of pre/post-Confinement/Day Case Procedure outpatient care. For Stroke ancillary benefit: USD125 per visit, max 30 visits per Policy Year and USD12,500 per Incident. p.16 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.25 |
| Pregnancy complications | Covered for Covered Pregnancy Complications, reimbursed according to benefit limits of core benefits (I(a)-(i), (k), (m), (o)) and hospital companion bed (II(b)), subject to 300-day waiting period. p.41 |
| Emergency dental | Fully covered within 3 months of the Accident p.60 |
| Hospital cash | Lower ward class cash benefit: USD300 per day, max 60 days per Policy Year. Day surgery cash benefit: USD150 per procedure (Network HK), USD100 per procedure (Non-Network Asia excl. Macau/Mainland China), max 1 procedure per Policy Year. p.59 |
| Companion bed | Fully covered p.59 |
| Second medical opinion | Available through Personal medical case management services, including review by radiologists and specialists. p.40 |
| Direct billing and pre-authorisation | Available with Network Service Providers, subject to pre-authorization for most services. 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$2,461 to HK$2,461.
| 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 |
|---|---|---|---|
| USD0 Deductible | Semi-private | None | USD1,500,000 per Policy Year |
| USD0 Deductible | Semi-private | None | 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.