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Health Care Protection
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  • vitality

    Benefit Term

    To age 100

    Issue age

    age 18 - 80

    Why do you need this plan?

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

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

    • Rewards you with a no-claim discount on premium 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.

      Rewards you with a no-claim discount on premium 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.

    • You may choose to access private healthcare services for treatment when you need it – for you and your whole family’s health and wellbeing.

      You may choose to access private healthcare services for treatment when you need it – for you and your whole family’s health and wellbeing.

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

    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)

    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).

    Which VHIS plan should you choose, the Standard Plan or the Flexi Plan?

    The Standard Plan* only provides basic standardised features for the insured without extra medical protection. Once your claims for any covered benefit has exceeded the limit, no extra medical benefits will be provided. If you wish to have more comprehensive medical coverage, and can afford higher premiums, you may consider choosing the Flexi Plan with broader benefit coverage and higher benefit limits.

    *According to the Standard Plan Benefit Schedule provided by the Food and Health Bureau.​
    (Source: Voluntary Health Insurance Scheme official website and AIA HK official website)
    ​

    ​Note:

    • The above information is provided for reference only. AIA HK is not liable for any damage or loss caused through use or misuse of any provided information in the above article. ​
    • AIA HK is not providing tax or accounting advice. Please consult your own tax and accounting advisors for any tax advice.​

     

    VHIS Flexi
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    Cover At A Glance

    Different premium payment modes (annually and monthly) are available for this plan. For add-on plans, the premium payment mode should follow the corresponding basic plan.

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    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?

    AIA Voluntary Health Insurance Standard Scheme is a government-certified medical protection plan that provides essential medical cover, with premiums that are eligible to be deducted from your annual taxable income. You can apply for 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 plan also rewards you with a no-claim discount on premium 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. That way, you may choose to access private healthcare services for treatment when you need it – for you and your whole family’s health and wellbeing.

    • Core Benefits
      Core Benefits

      • confinement benefits including room & board and attending doctor’s visit fee, etc.

      • inpatient and day case procedure

      • prescribed diagnostic imaging tests

      • prescribed non-surgical cancer treatment

      • outpatient care before and after confinement or day case procedure

    • 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 Standard 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 tax payer 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 Standard 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 taxable year, the annual tax deduction amount for you would be up to HKD32,000 (i.e. HKD8,000 x 4).

    • Guaranteed renewal up to age 100
      Guaranteed renewal up to age 100

      AIA Voluntary Health Insurance Standard 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 up to age 100. 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.)

    • Steadfast protection with no lifetime benefit limit
      Steadfast protection with no lifetime benefit limit

      AIA Voluntary Health Insurance Standard Scheme stays with you through the ups and downs of life. There is no lifetime benefit limit, so you won’t have to worry about losing your protection in the future. You can make claims up to the annual benefit limit of HKD420,000. This limit replenishes each policy year, helping you get the treatment you need, again and again.

    • 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 Standard 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 partial cover during a waiting period of 3 policy years upon policy inception and full cover from the 4th policy year onwards.

    • No claim discount
      No claim discount

      AIA believes in maintaining healthy living habits, and we encourage you to maintain yours by rewarding you with a no claim discount on premium, up to 15% of the total premium paid for the preceding cover year.

       

      If no claim is made for 3 consecutive policy years or more, you will be eligible for this premium discount on the next 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. 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.

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

      Our medical network gives you exclusive access to quality medical services for greater peace of mind. It comprises carefully selected medical specialists with multi-disciplinary expertise, as well as advanced day case medical centres that are a safe and convenient alternative to hospitals.

       

      With your electronic network surgery card, you can enjoy all the benefits offered under the plan’s medical network. Once this plan is in effect, 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.

       

      Read More
    • Hassle-free medical payment at home
      Hassle-free medical payment at home

      When you are facing a health challenge, the last thing you want is the hassle of paying your medical bills. Through AIA CARE+, you can enjoy the total convenience of cashless hospitalisation. 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
    • Options to suit your needs
      Options to suit your needs

      You have the option to take up AIA Voluntary Health Insurance Standard Scheme as either a stand-alone insurance plan or as an add-on plan of specified basic plans.

    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 be purchased as either a stand-alone insurance plan or as an add-on plan of specified basic plans, but only available to purchase as stand-alone insurance plan in this platform.


    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. You need to pay the premium for this plan until the age of 100 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;
      • 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 standalone 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. 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 Exclusion

    Key Exclusion
    - 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 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
    • 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
    • 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
    • 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 30 days 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
    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 us 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 maximum limit of surgeon’s fee per surgery is subject to the relevant surgical category and the categorisation of such surgical procedure.

    3. 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 item (l)).

    4. 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 will not be reimbursable by us under this policy.

    5. 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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