AIA Voluntary Health Insurance Privilege Ultra Scheme

Benefit term: Whole lifePublic source · Checked: 13 Oct 2026

Recorded features: Annual limit up to HKD12 million and lifetime limit up to HKD60 million, subject to policy conditions.Public source · Checked: 13 Oct 2026

Available as a basic plan or add-on plan; eligibility and policy conditions apply.Public source · Checked: 13 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: In AIA+, choose individual policy, insured and claim type; enter details, upload documents, review and submit.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: For eClaims: doctor’s Part II, bills, receipts, diagnosis / discharge proof, applicable referral and ID if not on file.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Submit the form and evidence within 90 days of hospital discharge or day surgery.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: AIA+ individual-policy claims; the insurer notifies the processed result in AIA+.Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: Register FPS or e-Bankin in AIA+ for direct claims payment.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026