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^ Smoker defines as someone who has smoking habit or have smoked in the past 12 months
Only applicable to the first 10,000 eligible new policies.
| “Lowest Price in Town” Premium Refund |
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During the promotion period, if there is a first year premium lower than AIA after comparing the premium rate among listed Standard Plans under Voluntary Health Insurance Scheme on the webpage of the Food and Health Bureau (FHB), we guarantee your new policy will be entitled to a refund of the difference in premiums, and will refund to your policy premiums at the policy year after renewal.#
#The premiums difference compared will be based on insured persons under the same gender and age at application. The New Policy will be entitled to the Refund used for the premium settlement in the next premium due date after the first Policy Anniversary.
| “Personal Medical Case Management Services” for 3 years |
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If the Insured Person is diagnosed with a serious illness, we will arrange our medical specialists (the designated service provider) to provide the personal medical case management services for a period of 90 days. The provider will assess and provide medical recommendation for the customer’s diagnosis and treatment.
This is a comprehensive and personalised service which is more than a second medical opinion to walk with the customer throughout their medical journey.
Terms & conditions apply. Details please download and refer to the promotion leaflet.
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:
AND ENJOY AN INSTANT 10% PREMIUM DISCOUNTWe 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!
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.
• 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
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).
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.)
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.
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.
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.
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 procedures at network clinics and day case procedure centres, and a network doctor will apply for the medical expense pre-approval service on your behalf.
When you’re admitted to hospital, worrying about paying for medical care should be the last thing on your mind.
This plan alleviates your burden by settling your hospital bill on your behalf. Once the service is arranged successfully, we will settle directly with the private hospital the medical expenses incurred during hospital stay on your behalf. You can then focus fully on your recovery without having to worry about paying hospital bills and making a subsequent claim. Any shortfall payment resulting from your hospital stay will be settled after treatment, leaving you stress-free at this critical time. After 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.
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.
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.
Under this plan, we will not pay any benefits in relation to or arising from the following expenses:
The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.
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 |
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 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.
