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Health Care Protection
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  • vitality

    Benefit Term

    Whole Life

    Issue age

    age 18 - 80

    Why do you need this plan?

    • A government-certified medical protection plan with premiums that are eligible to be deducted from your annual taxable income.

      A government-certified medical protection plan with premiums that are eligible to be deducted from your annual taxable income.

    • Offers superb medical cover throughout Asia with guaranteed renewal.

      Offers superb medical cover throughout Asia with guaranteed renewal.

    • Enjoy full reimbursement with no itemised benefit sublimit for major medical expenses, hospital stays in a semi-private room and extended caring protection.

      Enjoy full reimbursement with no itemised benefit sublimit for major medical expenses, hospital stays in a semi-private room and extended caring protection.

    • Product Brochure (With Benefits Schedule) Product Brochure (With Benefits Schedule)
    • Policy Provisions Policy Provisions
      VHIS Prime Policy Provisions
    • Premium Table Premium Table

    SPECIFIED PROTECTION PLANS PREMIUM REFUND OFFER

    Apply successfully for a Specified Protection Plan during the promotion period to enjoy our limited time offer. Learn More.
    (Terms and Conditions apply).

    Help us to know you better for an accurate quote for this stand-alone insurance plan

    Date of birth
    Gender
    Smoking Habit ^

    ^Smoker defines as someone who have smoked in the past 12 months
    The meaning of “smoking” includes but is not limited to cigarettes, cigars, tobacco pipes, chewing tobacco and the use of nicotine replacement products (such as e‐cigarettes)

    Cover At A Glance

    Different premium payment modes (annually and monthly) are available for this plan.

    ()
    ()
    Monthly Premium
    (% OFF)

    JOIN AND ENJOY AN INSTANT 10% PREMIUM DISCOUNT

    We are excited to introduce AIA Vitality, a game changing wellness programme which redefines the traditional concept of insurance and aims to reward customers to live a healthy lifestyle. Once you join AIA Vitality, you can enjoy an instant 10% premium discount!

    What does it provide?

    With quality medical protection as your safety net, you can chase your dreams with confidence. In addition to the essential medical cover required by Voluntary Health Insurance Scheme, AIA Voluntary Health Insurance Flexi Scheme also provides supplemental major medical benefits, Personal Medical Case Management Services, network specialists service and more. What's more, lifetime renewal is guaranteed, with no annual benefit limit or lifetime benefit limit. With three plan options to choose from, you can budget according to your medical needs. This plan also includes a no-claim discount on premium of up to 15% if you make no claim, plus an instant 10% premium discount for the first year for AIA Vitality members embarking on their healthy-living journey.

    AIA Voluntary Health Insurance Flexi Scheme is a government-certified medical protection plan with premiums that are eligible to be deducted from your annual taxable income. You can apply for a tax deduction of up to HKD8,000 per insured person per year, and there is no cap on the number of Voluntary Health Insurance Scheme policies that a taxpayer can use to claim tax deductions each year. This way, you can enjoy quality medical protection that meets your needs, with tax deduction benefits.

    • Key Benefits
      Key Benefits

      • hospitalisation and surgical care
      • time-saving and convenient day case procedures (including visit to day case procedure centre)
      • high quality specialist network services
      • broad post-hospitalisation care
      • extended caring protection for your specific needs, including cancer treatment, dialysis treatment and stroke rehabilitation benefits
      • global emergency treatment and worldwide emergency assistance services (Worldwide emergency assistance services is an optional benefit under AIA Voluntary Health Insurance Prime Scheme. If you wish to remove this benefit, please send a written notice to the Company.)

    • Protect your whole family and apply for a higher tax deduction amount
      Protect your whole family and apply for a higher tax deduction amount

      To help you budget smarter, the premiums you pay for AIA Voluntary Health Insurance Prime Scheme is eligible to be deducted from your annual taxable income, up to an aggregate limit of HKD8,000 for VHIS policies per insured person per taxpayer per year.

       

      There is no cap on the number of VHIS policies that a taxpayer can use to claim tax deductions each year, as long as all the policies are held by the same taxpayer and cover yourself and / or your dependants. Dependants include your spouse or child, or a parent, grandparent or sibling of you or your spouse.

       

      In other words, if you take up AIA Voluntary Health Insurance Prime Scheme for yourself, your spouse, your son and your mother as an example (i.e. four insured persons) and pay the required premiums in the same tax assessment year, the annual tax deduction amount for you would be up to HKD32,000 (i.e. HKD8,000 x 4).

    • Lifetime guaranteed renewal
      Lifetime guaranteed renewal

      AIA Voluntary Health Insurance Prime Scheme provides cover immediately right after the policy becomes effective and guarantees that your premium for renewal will not be raised for any claim you have made, or any changes in your health condition. You can renew your cover every year for life. Renewal premium will be based on the prevailing premium rates at the time of renewal. (For details on the first year’s premium, please refer to the Standard Premium Schedule provided by your financial planner, or available online through www.aia.com.hk and www.vhis.gov.hk)

    • Cover on unknown pre-existing conditions
      Cover on unknown pre-existing conditions

      At present, pre-existing conditions unknown to insurance applicants are commonly excluded from benefit cover. However, you can trust in your protection under AIA Voluntary Health Insurance Prime Scheme even if you turn out to have a pre-existing condition that you were reasonably unaware of at the time of insurance application. This plan provides full cover starting from the 31st day of the 1st policy year, which is shorter than the minimum requirement of 3-year waiting period under VHIS.

    • Extended caring protection to safeguard the needs of stroke and cancer patients
      Extended caring protection to safeguard the needs of stroke and cancer patients

      Stroke is a common disease with potentially harmful consequences, often requiring extensive period of recovery and additional living support. This plan offers extended caring protection to address the daily needs and self-care capabilities of stroke patients, so that you may receive the proper care even in the comfort of your own home. These include:

      • home facility enhancements prescribed by occupational therapists – widening of corridors, adapting bathroom facilities and purchasing specialised furniture, etc.
      • professional medical support – consultations, treatments and prescriptions from chiropractors, physiotherapists, speech therapists, occupational therapists, neurologist, neurosurgeons and Chinese medicine practitioners according to your personal needs
      • disability subsidy – if you become unable to take care of yourself for at least 6 uninterrupted months, we will provide a disability subsidy of HKD5,000 per month to you for up to 24 months per incident

      This plan also includes enhanced support for cancer patients with cover for radiotherapy, chemotherapy, targeted therapy, immunotherapy, hormonal therapy and the related consultations, medications and diagnostic tests. For patients with kidney diseases, we also cover the expenses required for regular dialysis treatments.

    • No claim medical check-up services
      No claim medical check-up services

      Because maintaining good health is just as important, AIA Voluntary Health Insurance Prime Scheme rewards a free medical check-up services for you once per year to help you understand your health, provided that no claim is paid during the policy year that just passed. This service begins once the insured person reaches the age of 2 at the policy anniversary.

    • AIA Care+ Support for a smooth recovery
      AIA Care+ Support for a smooth recovery

      Timely medical protection can improve your chances of a quick recovery. That is why AIA CARE+, AIA’s all-in-one medical services platform, offers a range of additional services to assist you in the hospital and beyond, for a smooth treatment journey. Through key partnerships with leading medical specialists and institutions, AIA CARE+ connects you to personalised treatments, priority financial arrangements for hospitalisation, worldwide assistance and more. With AIA CARE+ on your side, you can rest assured knowing that your health is in good hands, so you can focus on your recovery and spending time with your loved ones.

    • Personal medical case management services
      Personal medical case management services

      If you are unfortunately diagnosed with a serious illness, an expert team is here to help. Through Personal Medical Case Management Services, our designated service provider will get you the medical support you need with ongoing updates on your condition.

       

      Your diagnosis and treatment will be assessed by a specialist, so you can count on additional medical expertise to help you overcome your health challenges with confidence.

       

      For more information, please refer to the Personal Medical Case Management Services leaflet.

       

      Read More
    • Access a high-quality medical network
      Access a high-quality medical network

      This is a value-added service designed to further enhance your peace of mind in a medical situation. Our medical network has a group of multi-disciplinary medical specialists and provides you with access to a number of advanced day case medical centres, a safe and convenient alternative to hospitals. You can book day case procedure at network clinics and day case procedure centres, the network doctor will apply for the Medical Expense Pre-approval Service on your behalf. You can also enjoy the convenience of cashless hospitalisation (also known as Credit Facility Service for Hospitalisation) and a dedicated hotline for centralised booking.

       

      For more information, please refer to the specialist network leaflet.

    • Hassle-free medical payment at home and overseas
      Hassle-free medical payment at home and overseas

      When you are facing a health challenge, the last thing you want is the hassle of paying your medical bills, especially in a foreign country. Through AIA CARE+, you can enjoy the total convenience of cashless hospitalisation, even while in designated private hospitals in Asia, including Singapore, Malaysia and Thailand, as well as the United States and Europe (subject to geographic cover set out in the benefit schedule). Once this service has been approved, we will settle the medical expenses incurred during your hospital stay on your behalf, allowing you to focus on your recovery without the stress of paying hospital bills and making subsequent claims. Any shortfall payment resulting from your hospital stay will be settled after your treatment. Once the final claim amount has been settled, any related benefit limits will be reduced accordingly.

      For more information and the list of designated hospitals, please refer to our Credit Facility Service for Hospitalisation leaflet.

       

      Read More
    • Worldwide emergency assistance
      Worldwide emergency assistance

      A worldwide assistance hotline is open 24/7 for any emergency support you might need, especially when you are abroad. Help is always just one call away.

    • Options to suit your needs
      Options to suit your needs

      We understand that everyone’s situation is different. That’s why we offer 3 annual deductible choices for each policy currency you have chosen to suit your personal medical needs.

       

      If you are looking for full medical protection or top-up cover to supplement your current medical plan, annual deductible choices allow you to specify how much you are willing to pay before you claim. Choosing a higher deductible amount could lower the premiums for your policy. For example, if you chose an annual deductible of HKD16,000 and your eligible medical expense is HKD100,000, you would receive HKD100,000 less your deductible, which would be HKD84,000. You can also choose to reduce your annual deductible amount to a specified amount without having to provide us with current details of your health upon policy anniversary of your cover at the age of 50, 55, 60, 65, 70, 75 or 81. The premium will be adjusted based on your selected deductible amount, and your out-of-pocket limit for a claim will be reduced. Before making your request for this reduction of deductible, you may have to reassess if this reduction can suit your personal needs.

      read more
    Notes

    All information here is for reference only. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of coverage.

    We would like to remind you to review product materials and proposal illustrations (if appliable) provide to you and seek independent professional advice if necessary.

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

    This plan can only be purchased as stand-alone insurance plan.


    Important information

    Important information
    - COLLAPSE + EXPAND

    The product information in this website 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. The product information in this website 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.

    The product information in this website is for distribution in Hong Kong only.


    Key Product Risks

    Key Product Risks
    - COLLAPSE + EXPAND
    1. This plan is a basic plan. 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. You may request for the termination of your policy by notifying us in written notice. Also, 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; or
      • the Company has ceased to have the requisite authorization under the Insurance Ordinance to write or continue to write the plan.

    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.

    Key Exclusions

    Key Exclusions
    - COLLAPSE + EXPAND

    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.


    Premium Adjustment and Product Features Revision

    Premium Adjustment and Product Features Revision
    - COLLAPSE + EXPAND
    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.


    Benefits Covered

    Benefits Covered
    - COLLAPSE + EXPAND

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

    Items Effective Date (after the policy commences)
    Injury Immediately
    Sickness / Disease Immediately
    Specialist network service Immediately

    Product Limitation

    Product Limitation
    - COLLAPSE + EXPAND
    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. “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.

    3. 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:

    Highest daily room charge of the covered room type in the hospital admitted by the insured person (depends on which country / place the insured person stays)
    =
    Daily room charge of the room the insured person stays

    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.
    1. 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):
    Regions

    Countries

    Australia Australia
    New Zealand New Zealand
    North America

    (For emergency treatments, and Emergency outpatient treatment benefit (see benefit schedule, benefit item I (r)) only)
    United States and Canada
    Western Europe

    (For emergency treatments, and Emergency outpatient treatment benefit (see benefit schedule, benefit item I (r)) only)
    Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City
    1. The maximum limit of surgeon’s fee is subject to the relevant surgical category and the categorization of such surgical procedure.

    2. 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)).

    3. No claim medical check-up services begin once the insured person reaches the age of 2 at the policy anniversary. Check-up redemption letter will be sent to the policy holder within 365 days after each eligible policy anniversary.

    4. Worldwide emergency assistance services are covered during the trip only (except for 24- hour worldwide telephone enquiring services), which are additional benefits and do not form part of the VHIS Certified Plan, the policyholder can remove this additional benefit by sending a written notice to the Company. The services are provided by third party service provider(s). AIA shall not be responsible for any act, negligence or omission of medical advice, opinion, service or treatment on the part of them. AIA reserves the right to amend, suspend or terminate the service without further notice.

    5. If the eligible expenses have been reimbursed under any law, or medical program or other insurance policy provided by any government, company, other third party or us, such expenses will not be reimbursable by us under this policy.

    6. Medical network services, Credit Facility Service for Hospitalisation, and Medical Expense Pre-approval Service are additional benefits and do not form part of the VHIS Certified Plan. Medical network services are provided by network doctor. AIA shall not be responsible for any act or omission of network doctor in the provision of medical network services. Credit Facility Service for Hospitalisation is provided by third party service provider(s). AIA reserves the right to amend, suspend or terminate these services without further notice.


    Claim Procedure

    Claim Procedure
    - COLLAPSE + EXPAND

    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. If you wish to know more about claim related matter, you may visit “File A Claim” section under our company website www.aia.com.hk.


    Cancellation Right

    Cancellation Right
    - COLLAPSE + EXPAND

    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 21 calendar days immediately following either the day of delivery of the policy or the Cooling-off Notice to Policyholder or Policyholder’s nominated representative, 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.

    CONTACT AIA
    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).


    HONG KONG

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    CONTACT AIA

    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).


    Hong Kong

    T: (852)  2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong
     
    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong
     
    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

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