AIA Voluntary Health Insurance SelectWise Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00081-09-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$555 |
| 45 | HK$875 |
| 60 | HK$2,143 |
| 75 | HK$5,439 |
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, provided no benefit payment has been made or is impending. p.4 |
| Switching from another plan | Allowed to switch to plans with upgraded/additional benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, but company discretion to accept/reject). p.12 |
| Room class | Semi-Private Room (Hong Kong/Macau Designated Hospitals with Network Providers), Ward Room (Hong Kong/Macau non-Designated Hospitals or non-Network Providers), Standard Private Room (Mainland China Group A Designated Hospitals), Semi-Private Room (Mainland China Group B Designated Hospitals), Ward Room (other Asia, or Emergency outside Asia) p.57 |
| If a higher room is used | Benefits reduced by an Adjustment Factor (calculated as highest daily room charge of Covered Room / 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, with 50% reduction for US citizens staying 182+ days in the US 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 | USD3,750, 0 p.22 |
| 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 |
| Pre-admission outpatient | Network benefit (Hong Kong): Fully covered for all prior outpatient visits or emergency consultations within 30 days before confinement/day case, or 1 visit more than 30 days before. Non-Network benefit (Asia ex-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 visits within 90 days (intermediate/minor surgery or no surgery) or 365 days (complex/major surgery). Non-Network benefit (Asia ex-Macau/Mainland China): $80 per visit for 3 follow-up visits within 90 days (intermediate/minor surgery or no 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 | full cover p.59 |
| Day case procedures | Covered as in-patient for various benefits. Day surgery cash benefit: Network (HK) USD150 per procedure (max 1/year); Non-Network (Asia ex-Macau/Mainland China) USD100 per procedure (max 1/year). p.59 |
| 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 (within 90 days after discharge). Network (HK) USD125 per visit; Non-Network (Asia ex-Macau/Mainland China) USD75 per visit. p.59 |
| Physiotherapy | Fully covered during confinement; part of pre/post-confinement outpatient care limits; Stroke ancillary benefit: USD125 per visit, max 30 visits per Policy Year and USD12,500 per Incident. p.59 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.25 |
| Pregnancy complications | Covered for specific complications (e.g., ectopic pregnancy, pre-eclampsia) according to limits of core benefits, provided diagnosis is at least 300 days after Policy Effective Date. p.41 |
| Emergency dental | Fully covered for emergency treatment necessitated by injury to sound natural teeth caused by an accident, within 3 months of the accident. p.59 |
| Hospital cash | USD300 per day, maximum 60 days per Policy Year (for using a lower ward class than entitled in Designated Hospitals in HK/Macau) p.59 |
| Companion bed | Fully covered for an extra bed for one person accompanying the Insured Person during confinement. p.59 |
| Second medical opinion | Available through personal medical case management services, which can recommend suitable medical professionals for further consultation. p.40 |
| Direct billing and pre-authorisation | Available for Network Service Providers in Hong Kong, subject to prior authorization and presentation of Network Card. p.46 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$875 to HK$875.
| 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 |
|---|---|---|---|
| USD3,750 Deductible | Semi-private | HK$3,750 | USD1,500,000 per Policy Year |
| USD3,750 Deductible | Semi-private | HK$3,750 | 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.