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AIA Voluntary Health Insurance Privilege Scheme

Also known as: AIA自願醫保尊顯計劃

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Last checked

AIA Voluntary Health Insurance Privilege Scheme is recorded as VHIS medical. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates

At a glance

Insurer
AIA International Limited
Product category
VHIS medical
Policy currencies
HKD / USD
Premium payment terms
Renewable / Premium is paid for each renewed policy year; existing policies only
  • VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.
  • The official list marks this plan as renewal-only.
Compare with similar plans

Decision sheet

7 of 14 known · 0 not published · 7 not yet checked
What it pays and when

Benefit term: Renewable / Renewal is guaranteed during the insured person’s lifetime; policy renewal conditions apply.Public source · Checked:

Recorded features: VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.Public source · Checked:

Recorded features: The official list marks this plan as renewal-only.Public source · Checked:

Benefit limits
not yet checked
Premium and payment term

Premium payment terms: Renewable / Premium is paid for each renewed policy year; existing policies onlyPublic source · Checked:

How premiums can change
not yet checked
Guaranteed / non-guaranteed
not yet checked
Waiting periods
not yet checked
Main exclusions

Published key exclusions (not exhaustive): Treatment, tests and services that are not medically necessary are excluded.Public source · Checked:

Published key exclusions (not exhaustive): Cosmetic services are excluded, subject to the accident and reconstructive-surgery exceptions stated in the policy.Public source · Checked:

Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.Public source · Checked:

Surrender / cancellation
not yet checked
Cooling-off
not yet checked
Riders
not yet checked
Claims steps

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:

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:

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

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

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

Policy servicing from abroad

Overseas policy servicing: AIA’s contact-change form has country/district and overseas telephone fields.Public source · Checked:

Submit policy service requests through AIA+ or digitally through a financial planner; post-office boxes are not accepted.Public source · Checked:

Provide tax-residence details and a TIN or the applicable reason for no TIN.Public source · Checked:

Notify AIA and update the tax self-certification within 30 days of a relevant change.Public source · Checked:

Sign and return the form within 14 days; the owner/trustee and any applicable assignee sign.Public source · Checked:

This contact-change form does not establish unrestricted overseas access to every policy service.Public source · Checked: Public source · Checked: Public source · Checked:

Complaints and dispute routes

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

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:

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:

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:

Deductibles / room / renewal

VHIS plan type: Flexi PlanPublic source · Checked:

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Questions to ask before buying

Questions to ask before buying (8)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What benefit limits apply?
  2. When and how can premiums change?
  3. What is the waiting period for illness claims?
  4. What are the cancellation terms and any surrender value or charges?
  5. Which riders are available, and what are their costs and terms?
  6. Can you provide the key facts statement and policy provisions for this product?
  7. What is the cooling-off period, and how do I cancel during it?
  8. Which benefits and values are guaranteed, and which are not?
Certified VHIS benefits and renewal

Amounts apply only to the identified option and the benefit items in its certified schedule. Read the linked schedule for shared limits, coinsurance, territorial and room restrictions, waiting periods and exceptions. This summary does not replace the policy.

Renewal does not fix future premiums. The policy's portfolio premium adjustment provisions and renewal conditions apply.

Health Bureau certified list

HKD0 Deductible · HKD · F00053-01-000-02

Certified option / product ID: F00053-01-000-02-005

Register plan date: · Checked:

  • Annual limit for the schedule's specified benefit items: HKD 10,000,000 per policy year · PDF page 44
  • Deductible: HKD 0 per policy year · PDF page 44
  • Room and board: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Surgeon's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Anaesthetist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed non-surgical cancer treatment: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Psychiatric treatment: HKD 40,000 per policy year · PDF page 44
  • Renewal: Guaranteed lifetime renewal, subject to renewal provisions · PDF page 12
  • Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 23
  • Operating theatre: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed diagnostic imaging: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Pre/post confinement or day procedure outpatient care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Miscellaneous charges: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Attending doctor's visits: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Specialist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Intensive care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44

Certified wording

HKD16,000 Deductible · HKD · F00053-02-000-02

Certified option / product ID: F00053-02-000-02-005

Register plan date: · Checked:

  • Annual limit for the schedule's specified benefit items: HKD 10,000,000 per policy year · PDF page 44
  • Deductible: HKD 16,000 per policy year · PDF page 44
  • Room and board: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Surgeon's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Anaesthetist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed non-surgical cancer treatment: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Psychiatric treatment: HKD 40,000 per policy year · PDF page 44
  • Renewal: Guaranteed lifetime renewal, subject to renewal provisions · PDF page 12
  • Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 23
  • Operating theatre: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed diagnostic imaging: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Pre/post confinement or day procedure outpatient care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Miscellaneous charges: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Attending doctor's visits: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Specialist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Intensive care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44

Certified wording

HKD25,000 Deductible · HKD · F00053-03-000-02

Certified option / product ID: F00053-03-000-02-005

Register plan date: · Checked:

  • Annual limit for the schedule's specified benefit items: HKD 10,000,000 per policy year · PDF page 44
  • Deductible: HKD 25,000 per policy year · PDF page 44
  • Room and board: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Surgeon's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Anaesthetist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed non-surgical cancer treatment: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Psychiatric treatment: HKD 40,000 per policy year · PDF page 44
  • Renewal: Guaranteed lifetime renewal, subject to renewal provisions · PDF page 12
  • Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 23
  • Operating theatre: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed diagnostic imaging: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Pre/post confinement or day procedure outpatient care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Miscellaneous charges: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Attending doctor's visits: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Specialist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Intensive care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44

Certified wording

USD0 Deductible · USD · F00053-04-000-02

Certified option / product ID: F00053-04-000-02-005

Register plan date: · Checked:

  • Annual limit for the schedule's specified benefit items: USD 1,250,000 per policy year · PDF page 44
  • Deductible: USD 0 per policy year · PDF page 44
  • Room and board: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Surgeon's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Anaesthetist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed non-surgical cancer treatment: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Psychiatric treatment: USD 5,000 per policy year · PDF page 44
  • Renewal: Guaranteed lifetime renewal, subject to renewal provisions · PDF page 12
  • Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 23
  • Operating theatre: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed diagnostic imaging: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Pre/post confinement or day procedure outpatient care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Miscellaneous charges: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Attending doctor's visits: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Specialist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Intensive care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44

Certified wording

USD2,000 Deductible · USD · F00053-05-000-02

Certified option / product ID: F00053-05-000-02-005

Register plan date: · Checked:

  • Annual limit for the schedule's specified benefit items: USD 1,250,000 per policy year · PDF page 44
  • Deductible: USD 2,000 per policy year · PDF page 44
  • Room and board: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Surgeon's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Anaesthetist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed non-surgical cancer treatment: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Psychiatric treatment: USD 5,000 per policy year · PDF page 44
  • Renewal: Guaranteed lifetime renewal, subject to renewal provisions · PDF page 12
  • Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 23
  • Operating theatre: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed diagnostic imaging: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Pre/post confinement or day procedure outpatient care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Miscellaneous charges: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Attending doctor's visits: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Specialist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Intensive care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44

Certified wording

USD3,125 Deductible · USD · F00053-06-000-02

Certified option / product ID: F00053-06-000-02-005

Register plan date: · Checked:

  • Annual limit for the schedule's specified benefit items: USD 1,250,000 per policy year · PDF page 44
  • Deductible: USD 3,125 per policy year · PDF page 44
  • Room and board: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Surgeon's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Anaesthetist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed non-surgical cancer treatment: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Psychiatric treatment: USD 5,000 per policy year · PDF page 44
  • Renewal: Guaranteed lifetime renewal, subject to renewal provisions · PDF page 12
  • Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 23
  • Operating theatre: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Prescribed diagnostic imaging: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Pre/post confinement or day procedure outpatient care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Miscellaneous charges: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Attending doctor's visits: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Specialist's fees: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44
  • Intensive care: Actual eligible expenses; policy limits and cost sharing apply · PDF page 44

Certified wording

Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

More product information from this insurer:

AIA Voluntary Health Insurance Privilege Ultra Scheme

VHIS medical

Goals and audience categories described by product type

Insurers (33)
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Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product categoryVHIS medical
Source 1
Policy currenciesHKD / USD
Source 2
Premium payment termsRenewable / Premium is paid for each renewed policy year; existing policies only
Source 3
Benefit termRenewable / Renewal is guaranteed during the insured person’s lifetime; policy renewal conditions apply.
Source 3
Recorded features
  • VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.
  • The official list marks this plan as renewal-only.
Source 1
VHIS plan typeFlexi Plan
Source 1
Published key exclusions (not exhaustive)
  • Treatment, tests and services that are not medically necessary are excluded.
  • Cosmetic services are excluded, subject to the accident and reconstructive-surgery exceptions stated in the policy.
  • Examples only; full policy terms and exceptions apply.
Source 4
Sales statusClosed (at source date)
Source 2Source 5
Ask a licensed Hong Kong broker for a free comparison of this plan

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Which current and prior editions can be matched?

A retrieved product page is a lookup source, not a dated replacement notice. The fields below remain unknown unless a dated notice and affected wording establish the link. Publication, policy effectiveness, withdrawal and CI adoption are separate events; a later purchase or brochure does not replace an existing contract.

How do the HKFI 2026 definitions apply?

Individual evidence gaps

– Not established by the reviewed public sources

ProductOfficial sourceCurrent policy edition linked to a dated noticePrior policy edition linked to that noticePrior policy wording sourceEdition-change notice publication dateEdition-change effective datePrior edition withdrawal date
AIA Voluntary Health Insurance Privilege Scheme[1]––––––

Official lookup sources and dated notices

  • [1] Section: Public product page or document; dated replacement notice not established · Retrieved by plain HTTP; a dated edition pair is not established · Checked:

A source edition, publication date or effective date is shown only where the source establishes it; otherwise it remains unknown.

Sources & verification dates

Sources & verification dates

Checked:

  1. Health Bureau — certified plan identity, currencies and availability

    Source date: Not confirmed

Checked:

  1. Health Bureau — flexi plan list: AIA Voluntary Health Insurance Privilege Scheme, plan date, currencies, renewal-only

    Source date:

  2. Certified plan document — renewal provisions; PDF page 12; F00053-01-000-02

    Source date: / Page: 12

  3. Certified plan document — general exclusions; PDF page 23; F00053-01-000-02

    Source date: / Page: 23

  4. AIA Voluntary Health Insurance Privilege Scheme — official product page: not available for new application

    Source date: Not confirmed

Information, not advice; we refer to a licensed Hong Kong broker.

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