AIA Voluntary Health Insurance Standard Scheme is a Certified Plan under the Voluntary Health Insurance Scheme (VHIS), which complies with the minimum requirements of the VHIS Standard Plan

Let you assess private healthcare services for your essential needs while applying for tax deduction to enjoy tax benefit

Certified by the Health Bureau, you can trust in the level of protection you’ll be receiving.

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

No cap on the number of VHIS policies that a tax payer can use to claim tax deductions each year, as long as all of the policies are held by the same tax payer and cover yourself and/or your dependents.

AIA Voluntary Health Insurance Standard Scheme allows you can make claims up to the annual benefit limit of HKD420,000. This limit replenishes each policy year.

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.

This plan rewards 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. Please refer to the following table for no claim discount.

Once any claim has been made, the Claim Free Years will be reset while the no claim discount percentage will be reset to zero.

AIA Voluntary Health Insurance Standard Scheme provides cover immediately 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.

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

Lifetime Benefit Limit

Annual Benefit Limit

AIA offers 2 geographic cover choices and 4 annual deductible amount choices for each policy currency for selection to suit your needs:

You can also choose to reduce your annual deductible amount once during the term of your policy to AIA’s specified amount upon the policy anniversary of your policy at the age of 50, 55, 60, 65, 70, 75 or 81 of the insured person, without having to provide AIA with the current details of the insured person’s health condition. The premium will increase based on your reduced annual deductible amount, and your out-of-pocket limit for a claim will be reduced accordingly to suit your personal needs and affordability.

Within geographical cover

Outside geographical cover (for emergency treatment only)
Standard private room

To enable the insured person to access the latest cancer treatment, the phase 3 clinical trial drugs benefit for stage III and stage IV designated cancers and incurable haematological malignancy^# offers coverage for phase 3 clinical trial drugs of up to HKD500,000 or USD62,500 per policy year.

^# Please refer to item 16 of “Product Limitation” on page 20 of brochure for the definition of designated cancer. This benefit will be payable if the insured person is diagnosed with a Stage III or IV malignant tumour, or terminal blood cancer which is deemed incurable with existing non-experimental treatment by a specialist, and with a medical certificate issued by a specialist to certify that the phase 3 clinical trial drug is prescribed by and is deemed by the specialist to be an appropriate or recommended active treatment or palliative treatment of the designated cancer of the insured person. Any charges or expenses which are already covered by any other third parties (including sponsorship from the pharmaceutical company, manufacturer and / or marketer of the phase 3 clinical trial drug) shall not be covered by this benefit.

AIA Voluntary Health Insurance Privilege Ultra Scheme / Privilege Ultra Pearl Medical Plan covers key medical expenses with no itemised benefit sublimit. From diagnostic tests to post-treatment care, AIA fully covers a wide range of core benefits as follows:

• Hospitalisation benefits
• Diagnostic benefits
• Prescribed non-surgical cancer treatments
• Pre- and post- confinement / day case procedure outpatient care

While the policy is in force, if you, as the insured person, are aged 75 or above and are unfortunately diagnosed with designated cancer by a specialist, AIA will waive the remaining balance of annual deductible in relation to such medical services arising from your designated cancer to ease your financial burden.

A designated check-up service is offered once every 3 consecutive policy years to help you keep your health on track during different stages of life.

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
• professional medical support
• disability subsidy of HKD5,000 or USD625 per month for up to 24 months per incident

You are guaranteed to renew your policy during the lifetime of the insured person. Renewal premium will be based on the prevailing premium rates and the insured person’s attained age at the time of renewal, but it will not be based on any claim you have made, or any changes in the insured person’s health condition.

Full cover starting from the 31st day of 1st policy year.

Policyholder who is the taxpayer can enjoy tax deduction up to HKD8,000 per insured person of the Certified Plan in each assessment year.

It offers a suite of healthcare services that integrate dedicated concierge support for the insured person and the medical home visit for the insured person’s parents in Mainland China.

If you are unfortunately diagnosed with a serious illness, an expert team is here to help. Through Personal Medical Case Management Services with Rehabilitation Management, AIA’s designated service provider will get you the medical support you need with ongoing updates on your condition, and tailor a personalised rehabilitation plan for you.

AIA’s 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 centralized booking.

You can enjoy the total convenience of cashless hospitalisation (also known as Credit Facility Service for Hospitalisation). Once this service has been approved, AIA 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.