AIA Voluntary Health Insurance SelectWise Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00081-08-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$639 |
| 45 | HK$980 |
| 60 | HK$2,411 |
| 75 | HK$6,122 |
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 if cancelled within 21-day cooling-off period. After cooling-off, cancellation with 30 days notice, no refund if benefits paid in policy year. p.4 |
| Switching from another plan | Switching to a plan with upgraded/added benefits allows re-underwriting limited to those benefits. Switching to a plan with downgraded/reduced benefits does not allow re-underwriting, but is subject to company discretion. p.12 |
| Room class | Semi-Private Room (HK/Macau Designated, Mainland China Group B Designated), Standard Private Room (Mainland China Group A Designated), Ward Room (HK Designated non-Network, HK non-Designated, Macau non-Designated, Asia excluding HK/Macau/Mainland China, Emergency overseas) p.57 |
| If a higher room is used | Benefits reduced by an Adjustment Factor (highest daily room charge of Covered Room / daily actual room charge of higher room) p.53 |
| Geographical cover | Asia for non-emergency treatment; Worldwide for emergency treatment p.57 |
| Psychiatric treatment area | Hong Kong and Macau only p.17 |
| Emergency treatment abroad | Covered worldwide. If US citizen stays in US for 182+ days in 12 months, benefits for emergency treatment in US reduced to 50%. 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 | USD2,250, 0 (at specific ages) p.57 |
| How the deductible applies | Per Policy Year. Can be reduced to zero at ages 50, 55, 60, 65, 70, 75, or 81 once in a lifetime. p.22 |
| Coinsurance | none |
| Pre-admission outpatient | Network/Designated Hospital: All visits within 30 days before, or 1 visit more than 30 days before. Non-Network/non-Designated Hospital (Macau): 1 visit, USD80 cap. p.58 |
| Post-discharge outpatient | Network/Designated Hospital: All visits within 90 days (minor surgery/no surgery) or 365 days (major surgery). Non-Network/non-Designated Hospital (Macau): 3 visits, USD80 cap, within 90/365 days. 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 | full cover p.59 |
| Day case procedures | Covered as in-patient, with a cash benefit of USD150 (Network) or USD100 (Non-Network) per procedure, max 1 per Policy Year. p.59 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or ICU admission) 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). Network: USD125 per visit; Non-Network: USD75 per visit. p.59 |
| Physiotherapy | Covered under post-discharge outpatient care, no separate limit p.17 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.25 |
| Pregnancy complications | Covered according to respective benefit items, provided diagnosis is at least 300 days after Policy Effective Date. p.41 |
| Emergency dental | Full cover, within 3 months of the Accident p.60 |
| Hospital cash | USD300 per day, maximum 60 days per Policy Year (for using a lower ward class in Designated Hospitals in HK/Macau) p.59 |
| Companion bed | full cover p.59 |
| Second medical opinion | Available through personal medical case management services p.60 |
| Direct billing and pre-authorisation | Available with Network Service Providers, requires prior-authorization for most services p.46 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$980 to HK$980.
| 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 |
|---|---|---|---|
| USD2,250 Deductible | Semi-private | HK$2,250 | USD1,500,000 per Policy Year |
| USD2,250 Deductible | Semi-private | HK$2,250 | 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.