AIA Voluntary Health Insurance SelectWise Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00081-07-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$814 |
| 45 | HK$1,248 |
| 60 | HK$3,057 |
| 75 | HK$7,756 |
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 | none |
| Cancellation and refund | Full refund within 21-day cooling-off period, provided no benefit payment has been made or is impending. p.4 |
| Switching from another plan | Switching to another plan with upgraded or additional benefits is possible, subject to re-underwriting for the upgraded/additional benefits. p.12 |
| Room class | Semi-Private Room (Hong Kong/Macau Designated Hospitals with Network Providers), Ward Room (Hong Kong Designated Hospitals with non-Network Providers, Hong Kong/Macau non-Designated Hospitals, Asia excluding HK/Macau/Mainland China), Standard Private Room (Mainland China Group A Designated Hospitals), Semi-Private Room (Mainland China Group B Designated Hospitals), Ward Room (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 (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, covered in accordance with these Terms and Benefits p.52 |
| Full cover on core benefits | yes p.58 |
| Annual limit | USD1,500,000 p.57 |
| Lifetime limit | USD7,500,000 p.57 |
| Deductible options | USD1,100, guaranteed zero deductible option available at certain ages p.22 |
| 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 |
| Pre-admission outpatient | Network benefit (Hong Kong): 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 (Asia excluding Macau/Mainland China): $80 per visit for 1 prior outpatient visit or emergency consultation. p.58 |
| Post-discharge outpatient | Network benefit (Hong Kong): Fully covered for all follow-up outpatient visits within 90 days (intermediate/minor surgery) or 365 days (complex/major surgery). Non-Network benefit (Asia excluding Macau/Mainland China): $80 per visit for 3 follow-up outpatient visits within 90 days (intermediate/minor surgery) or 365 days (complex/major surgery). p.59 |
| General outpatient | none |
| Psychiatric treatment | USD5,000 per Policy Year 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, 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.16 |
| 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 | Follow-up outpatient care: Network benefit (Hong Kong) $125 per visit; Non-Network benefit (Asia excluding Macau/Mainland China) $75 per visit. Max 1 visit/day, 20 visits/confinement/day case procedure (within 90 days post-discharge). p.59 |
| Physiotherapy | During Confinement (as miscellaneous charges); for Stroke rehabilitation: $125 per visit, max 30 visits per Policy Year and $12,500 per Incident. p.16 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.25 |
| Pregnancy complications | Covered according to core benefit limits, provided diagnosis is at least 300 days after Policy Effective Date. p.41 |
| Emergency dental | Fully covered within 3 months of the Accident p.60 |
| Hospital cash | USD300 per day, maximum 60 days per Policy Year (for using a room class below the Covered Room in Designated Hospitals in Hong Kong and Macau) p.59 |
| Companion bed | Fully covered p.59 |
| Second medical opinion | Available as part of personal medical case management services p.60 |
| Direct billing and pre-authorisation | Direct billing available with Network Service Providers, subject to prior authorization p.46 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; Hair Mineral Analysis (HMA); hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy p.23 |
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$1,248 to HK$1,248.
| 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 |
|---|---|---|---|
| USD1,100 Deductible | Semi-private | HK$1,100 | USD1,500,000 per Policy Year |
| USD1,100 Deductible | Semi-private | HK$1,100 | 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.