VHIS · Entry-level Pick
AIA Voluntary Health Insurance Standard Scheme is the insurer's Standard VHIS plan (the regulatory floor of cover), while AIA Voluntary Health Insurance Prime Scheme is its flagship Flexi plan, which extends the ward class, benefit limits and geographical coverage above that floor.
AIA Voluntary Health Insurance Prime Scheme's ward class depends on where you are hospitalised — HK / Macau / Mainland: Semi-Private Room; Rest of Asia: Standard Private Room; Outside Asia (emergency): Standard Private Room.
AIA Voluntary Health Insurance Standard Scheme suits you better if you value a lower entry premium (about HK$2,846/yr at age 40, non-smoker). AIA Voluntary Health Insurance Prime Scheme suits you better if you value a higher annual benefit limit (HK$5,000,000) and a stated lifetime benefit cap (HK$20,000,000).
Neither plan is categorically better — your choice should rest on your own budget, where you expect to seek treatment and your family needs, ideally after a financial needs analysis.
| Item | AIA Voluntary Health Insurance Standard SchemeAIA International Limited | AIA Voluntary Health Insurance Prime SchemeAIA International Limited |
|---|---|---|
| Plan type | Standard | Flexi |
| Insurer | AIA International Limited | AIA International Limited |
| Ward class | N/A (capped) | Semi-Private Room（HK / Macau / Mainland） Standard Private Room（Rest of Asia） Standard Private Room（Outside Asia (emergency)） |
| Annual benefit limit | HK$420,000 | HK$5,000,000▲ |
| Lifetime benefit limit | Full cover / not stated | HK$20,000,000 |
| Per-illness annual limit | Full cover / not stated | Full cover / not stated |
| DeductibleCompared at the lowest-deductible variant | $0 | $0 |
| Geographical coverage | Worldwide | Asia |
| Supplementary Major Medical (SMM) | No supplementary cover / not stated | No supplementary cover / not stated |
| Full-cover basic ward | Not stated | Full cover |
| Reference premium (age 40, non-smoker)Annual premium (HKD) | HK$2,846 | HK$19,312▲ |
| Data version | Jul 15, 2025 | Jul 15, 2025 |
▲ marks the larger figure on that row — an objective numeric comparison, not a verdict. “Full cover / not stated” means the policy sets no explicit cap or the document does not list one.
AIA International Limited · Cert. no. S00013-01-000-02
AIA Voluntary Health Insurance Standard Scheme is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
AIA International Limited · Cert. no. F00025-01-000-03
AIA Voluntary Health Insurance Prime Scheme is a Flexi VHIS plan with a Semi-Private Room ward class, an annual benefit limit of HK$5,000,000 and a lifetime limit of HK$20,000,000; geographical coverage is Asia.
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