AIA Voluntary Health Insurance SelectWise Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00081-10-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$407 |
| 45 | HK$641 |
| 60 | HK$1,571 |
| 75 | HK$3,986 |
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 | No coverage for first 30 days of first Policy Year; full coverage from 31st day of first Policy Year onwards p.21 |
| Waiting period | 30 days for unknown pre-existing conditions p.21 |
| Cancellation and refund | Full refund of paid premium if cancelled 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, but re-underwriting will apply to the upgraded/additional benefits. p.12 |
| Room class | Standard Private Room (in Designated Hospitals in mainland China Group A); Semi-Private Room (in Designated Hospitals in Hong Kong/Macau with network providers); Ward Room (otherwise) p.57 |
| If a higher room is used | Benefits reduced by an Adjustment Factor (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.57 |
| 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.57 |
| Full cover on core benefits | yes p.58 |
| Annual limit | USD1,500,000 p.57 |
| Lifetime limit | USD7,500,000 p.57 |
| Deductible options | USD6,875 p.57 |
| How the deductible applies | Per Policy Year, with a right to reduce at ages 50, 55, 60, 65, 70, 75, or 81 (including a guaranteed zero deductible option) p.57 |
| Coinsurance | none p.27 |
| Pre-admission outpatient | Fully covered for all prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure (or 1 visit if more than 30 days before), if using network/designated hospitals. Otherwise, 1 visit at USD80. p.58 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits within 90 days (for minor/intermediate surgery or no surgery) or 365 days (for complex/major surgery) if using network/designated hospitals. Otherwise, 3 visits at USD80 within the same periods. 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, fully covered p.15 |
| Home nursing | Fully covered, 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 post-discharge). USD125 per visit for network/designated hospitals, USD75 per visit otherwise. p.59 |
| Physiotherapy | Covered under post-discharge outpatient care (fully covered for all visits or 3 visits at USD80, depending on network/location). For stroke rehabilitation, USD125 per visit, max 30 visits per Policy Year and USD12,500 per incident. p.17 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | Covered according to benefit limits of core items (I(a)-(i), (k), (m), (o)) and hospital companion bed (II(b)), provided diagnosis is at least 300 days after Policy Effective Date. p.60 |
| 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 lower ward class in a private hospital in Hong Kong/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 | Available with Network Service Providers, requires Network Card and Prior-Authorization Request Form p.46 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment 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$641 to HK$641.
| 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 |
|---|---|---|---|
| USD6,875 Deductible | Semi-private | HK$6,875 | USD1,500,000 per Policy Year |
| USD6,875 Deductible | Semi-private | HK$6,875 | 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.