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Feel frustrated about the complicated product structure of insurance products which are usually too difficult for general pubic to comprehend?
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Prefer a plan with affordable premium for specific protection areas?
| Lifetime benefit limit Applies to items I (a) - (o) and II (a) - (c) and (i) |
Nil |
| Annual benefit limit Applies to items I (a) - (o) and II (a) - (c) and (i) |
Nil |
| Geographical cover | Worldwide (except for psychiatric treatment and worldside emergency assistance services) |
(% off AIA Vitality discount)
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^The product can be chosen without AIA Vitality membership, if you are interested in, please click the "Contact Us" button above and fill in the form. Our financial planner will contact you at your preferred time.
* Effective on 1 January 2018, levy is payable on each premium for both new and in-force policies pursuant to the Insurance (Levy) Order and the Insurance (Levy) Regulation, which includes both regular and top-up premiums. Different levy rates apply, which are dependent upon the policy date or the policy anniversary date. The prescribed levy shall be subject to change from time to time.
The Applicant is required to pay to us the prescribed levy along with the premium. Any failure to do so may result in a breach of the Insurance (Levy) Regulation under which the Insurance Authority may impose on the Applicant concerned a pecuniary penalty not exceeding HK$5,000 and take legal proceedings to recover any outstanding levy and penalty as a civil debt.
For details, please visit our website: www.aia.com.hk.
For monthly payment, Applicant must pay for the initial 3 months premium and levy.
AIA iShop service is available for Hong Kong residents only. Macau potential customers, please contact AIA Macau agents, or call Macau Customer Service Hotline (853) 89881822 for more details.
To help you budget smarter, the premiums you pay for AIA Voluntary Health Insurance Flexi 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 Flexi 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 Flexi 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.
AIA Voluntary Health Insurance Flexi Scheme stays with you through the ups and downs of life. There is no annual benefit limit or lifetime benefit limit, so you can get the treatment you need, without worrying about losing your protection in the future.
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 Flexi 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.
On top of the maximum benefits for confinement, surgery and other medical benefits, AIA Voluntary Health Insurance Flexi Scheme offers you extra support through supplemental major medical benefits (SMM). The benefit limits of SMM will reset each policy year. It will also reset if you receive specified medical services (confinement, day case procedure and day case prescribed diagnostic imaging tests) for different sicknesses or injuries. That way, you can have extra peace of mind in the face of multiple medical challenges.
Within the same policy year, if you receive a specified medical service for the same disability again 90 days after you received a specified medical service, SMM benefit limits will also reset.
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 policy year. Being our loyal customer (i.e. the policy of this plan has been effective for 30 years and the insured person is aged 65 or above), the relevant discount can be up to 25%.
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. Please refer to the following table for no claim discount.
| Claims Free Years | No Claim Discount | No Claim Discount for Loyal Customer |
|---|---|---|
| 3 consecutive policy years | 5% | 5% |
| 4 consecutive policy years | 10% | 10% |
| 5 or more consecutive policy years | 15% | 25% |
Even if you received a day case procedure at any of our network clinics and day case procedure centre, made a claim for top-up subsidy benefit, or used Personal Medical Case Management Services and worldwide emergency assistance services (see benefit schedule, benefit items II (c), (h) and (i) for details), your eligibility for this premium discount will not be affected.
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 health 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.
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.
Other additional benefits within this network include:
If you are unfortunately diagnosed with a serious illness, an expert team is here to help. Through our 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.
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 hospitals in Asia, including Singapore, Malaysia and Thailand, as well as the United States and Europe.
Once this service has been approved, we will settle the medical expenses incurred during your stay at a private hospital 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.
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.
You have the option to take up AIA Voluntary Health Insurance Flexi Scheme as either a stand-alone insurance plan or as an add-on plan of specified basic plans.
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.
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.
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:
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:
| Items | Effective Date (after the policy commences) |
|---|---|
| Injury | Immediately |
| Network Service | Immediately |
| Sickness / Disease | Immediately |
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:
“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):
In determining whether a charge is Reasonable and Customary, we shall make reference to the followings (if applicable):
| Selected Room Type | |||
|---|---|---|---|
| Ward class of the confinement | ward | Semi-Private Room | Standard Private Room |
| Ward | N/A | N/A | N/A |
| Semi-Private Room | 60% | N/A | N/A |
| Standard Private Room | 40% | 60% | N/A |
| Any room with amenities upgraded beyond a Standard Private Room | 20% | 40% | 60% |
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.
You have the right to cancel 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 the 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.
