This brochure is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product. The precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. This brochure should be read along with the illustrative document (if any) and other relevant marketing materials, which include additional information and important considerations about this product. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary.

This plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs.

This brochure is for distribution in Hong Kong only.

1. You need to pay the premium for this plan for life as long as you renew for this plan. If you do not pay the premium within 30 days of the premium due date, the policy will be terminated and you / the insured person will lose the cover.
   
   
2. We will terminate your policy and you / the insured person will lose the cover when one of the following happens:
   
   
   • the insured person passes away;
     
   • you do not pay the premium within 30 days after the premium due date;
     
   • the aggregate benefits under the relevant insurance policy
   • the company has ceased to have the requisite authorization under the Insurance Ordinance to write or continue to write the plan; or
     
   • when taking this plan as an add-on plan of any basic plan which has been terminated. For continuation of the cover, you may apply to convert this add-on plan to a stand-alone plan by giving us a written notice.
   
   
3. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, the insured person may lose his cover and you may lose the remaining premium for that policy year.
   
   
4. You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.
   
   
5. The future medical costs will be higher than they are today due to inflation. Hence, the benefit amounts and the future premium rate of this plan may be revised to reflect the inflation.
   

Under this plan, we will not pay any benefits in relation to or arising from the following expenses:

• treatments, procedures, medications, tests or services which are not medically necessary
• solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy
• HIV and its related disability, which is contracted or occurs before the policy effective date, except for sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth
• the dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae
• services for beautification or cosmetic purposes, unless necessitated by injury caused by an accident or covered by Reconstructive surgery benefit and Medical appliances benefit for reconstructive surgery (see benefit schedule, benefit items I (p) and (q) for details), or correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to LASIK
• prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions
• dental treatment and oral and maxillofacial procedures performed by a dentist except for emergency treatment and surgery during confinement arising from an accident or covered by Emergency dental benefit (see benefit schedule, benefit item II (h) for details)
• medical services and counselling services relating to maternity conditions and its complications, including but not limited to abortion or miscarriage, birth control or reversal of birth control
• purchase of durable medical equipment or appliances including but not limited to wheelchairs, hearing aids and over-the-counter drugs, except covered by Home facility enhancement benefit (see benefit schedule, benefit item II (g)(i) for details)
• traditional Chinese medicine treatment including but not limited to herbal treatment, bone-setting and acupuncture, and other forms of alternative treatment including but not limited to qigong, massage therapy and aromatherapy, except covered by Chinese medicine practitioner outpatient care and Stroke ancillary benefit (see benefit schedule, benefit items II (c) and (g)(ii)(3) for details)
• experimental or unproven medical technology or procedure
• congenital condition(s) which have manifested or been diagnosed before the insured person attained the age of 8 years
• eligible expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party
• war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power
  
  

The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.

1. Premium Adjustment
   
   

   In order to provide you with continuous protection, we will annually review and adjust the premium of your plan accordingly at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following:

   • claim costs incurred from all policies under this plan and the expected claim outgo in the coming year which reflects the impact of medical trend, medical cost inflation and product feature revisions
   • historical investment returns and the future outlook of the product's backing asset
   • policy surrenders and lapses
   • expenses directly related to the policy and indirect expenses allocated to this product
     
     
2. Product Features Revision
   
   

   We reserve the right to revise the terms and benefits upon renewal by giving a 30 days advance notice. As long as we maintain the registration as a VHIS provider, we guarantee you the terms and benefits will not be less favourable than the latest version of the Standard Plan terms and benefits published by the Government at the time of renewal.

We will give you a written notice of any revision before the end of policy year or upon renewal.

Cover of this plan will be effective on the following dates:

1. We only cover the charges and / or expenses of the insured person on medically necessary and reasonable and customary basis.
   
   “Medically Necessary” means the need to have medical service for the purpose of investigating or treating the relevant disability in accordance with the generally accepted standards of medical practice and such medical service must
   

   • require the expertise of, or be referred by, a registered medical practitioner;
     
   • be consistent with the diagnosis and necessary for the investigation and treatment of the disability;
     
   • be rendered in accordance with standards of good and prudent medical practice, and not be rendered primarily for the convenience or the comfort of the insured person, his family, caretaker or the attending registered medical practitioner;
     
   • be rendered in the setting that is most appropriate in the circumstances and in accordance with the generally accepted standards of medical practice for the medical services; and
     
   • be furnished at the most appropriate level which, in the prudent professional judgment of the attending registered medical practitioner, can be safely and effectively provided to the insured person.
     
     

   “Reasonable and Customary” means in relation to a charge for medical service, such level which does not exceed the general range of charges being charged by the relevant service providers in the locality where the charge is incurred for similar treatment, services or supplies to individuals with similar conditions, e.g. of the same sex and similar age, for a similar disability, as reasonably determined by the Company in utmost good faith. The Reasonable and Customary charges shall not in any event exceed the actual charges incurred.
   

   In determining whether a charge is Reasonable and Customary, we shall make reference to the followings (if applicable):

   • treatment or service fee statistics and surveys in the insurance or medical industry;
     
   • internal or industry claim statistics;
     
   • gazette published by the government; and / or
     
   • other pertinent source of reference in the locality where the treatments, services or supplies are provided
     
     
2. The insured person will be covered for any room type in which he stays at hospital, but there will be a reduction in his benefit pay-out amount in case the insured person stays in a room type higher than the plan covered. In such a case, the benefit payout amount will be adjusted by multiplying the following factor:
   
   

Except when such confinement in a room of class above covered room is due to:

• unavailability of covered room for emergency treatment as a result of capacity shortfall in the hospital of confinement;
• isolation reasons that require a specific class of accommodation; or
• other reasons not involving personal preference of you and / or the insured person.

3. “Asia” means 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.
   
   
4. If the insured person continuously stays for 365 days in one of the following regions, the medical services, emergency and / or treatments and/or covered services provided to the insured person in such region will be permanently reduced to 60% of his benefit pay-out amount. Such reduction applies to all items in the benefit schedule except benefit items II (f), (g)(iii) and (i) - (l):
   

5. The maximum limit of surgeon’s fee is subject to the relevant surgical category and the categorization of such surgical procedure.
   
   
6. Only the eligible expenses charged on the psychiatric treatments during confinement in Hong Kong as recommended by a specialist is payable under Psychiatric treatments (see benefit schedule, benefit item I (l)).
   
   
7. Worldwide emergency assistance services are covered during the trip only.
   
   
8. Specialist network service and Credit facility service for hospitalisation are not contractual services but the administrative arrangements offered in our absolute discretion. It is subject to termination at any time without prior notice.
   
   

If you wish to make a claim, you must send us the appropriate forms and proofs within 90 days after discharge from hospital or the date on which relevant medical services are performed and completed. You can get the appropriate claim forms from your financial planner, by calling the AIA Customer Hotline (852) 2232 8888 in Hong Kong, or by visiting any AIA Customer Service centre.

You have the right to cancel the policy and obtain a refund of any premiums and any levy paid by giving written notice to us. Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong within the cooling-off period, i.e. 21 calendar days after the delivery of the policy or issue of the written notice to you or your representative informing you that the policy is available, whichever is earlier. After the cooling-off period, you can request cancellation of this policy by giving 30 days prior written notice to us, provided that there has been no benefit payment under this policy during the relevant policy year.