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AIA International Limited — same-insurer plan comparison
AIA International Limited · 10 plan series (51 variants, deductibles merged, HKD/USD merged, sorted from basic to comprehensive)
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Highlights
VHIS cert no.
S00013-01-000-02Benefits PDFPremiums PDF
F00022-01-000-03Benefits PDFPremiums PDF
F00022-04-000-03Benefits PDFPremiums PDF
F00022-02-000-03Benefits PDFPremiums PDF
F00022-05-000-03Benefits PDFPremiums PDF
F00022-03-000-03Benefits PDFPremiums PDF
F00022-06-000-03Benefits PDFPremiums PDF
F00025-01-000-03Benefits PDFPremiums PDF
F00025-02-000-03Benefits PDFPremiums PDF
F00025-03-000-03Benefits PDFPremiums PDF
F00025-04-000-03Benefits PDFPremiums PDF
F00025-05-000-03Benefits PDFPremiums PDF
F00025-06-000-03Benefits PDFPremiums PDF
F00053-01-000-02Benefits PDFPremiums PDF
F00053-02-000-02Benefits PDFPremiums PDF
F00053-03-000-02Benefits PDFPremiums PDF
F00053-04-000-02Benefits PDFPremiums PDF
F00053-05-000-02Benefits PDFPremiums PDF
F00053-06-000-02Benefits PDFPremiums PDF
F00054-01-000-02Benefits PDFPremiums PDF
F00054-02-000-02Benefits PDFPremiums PDF
F00054-03-000-02Benefits PDFPremiums PDF
F00054-04-000-02Benefits PDFPremiums PDF
F00054-05-000-02Benefits PDFPremiums PDF
F00054-06-000-02Benefits PDFPremiums PDF
F00074-01-000-01Benefits PDFPremiums PDF
F00074-02-000-01Benefits PDFPremiums PDF
F00074-03-000-01Benefits PDFPremiums PDF
F00074-04-000-01Benefits PDFPremiums PDF
F00074-09-000-01Benefits PDFPremiums PDF
F00074-10-000-01Benefits PDFPremiums PDF
F00074-11-000-01Benefits PDFPremiums PDF
F00074-12-000-01Benefits PDFPremiums PDF
F00074-05-000-01Benefits PDFPremiums PDF
F00074-06-000-01Benefits PDFPremiums PDF
F00074-07-000-01Benefits PDFPremiums PDF
F00074-08-000-01Benefits PDFPremiums PDF
F00074-13-000-01Benefits PDFPremiums PDF
F00074-14-000-01Benefits PDFPremiums PDF
F00074-15-000-01Benefits PDFPremiums PDF
F00074-16-000-01Benefits PDFPremiums PDF
F00081-01-000-01Benefits PDFPremiums PDF
F00081-02-000-01Benefits PDFPremiums PDF
F00081-03-000-01Benefits PDFPremiums PDF
F00081-04-000-01Benefits PDFPremiums PDF
F00081-05-000-01Benefits PDFPremiums PDF
F00081-06-000-01Benefits PDFPremiums PDF
F00081-07-000-01Benefits PDFPremiums PDF
F00081-08-000-01Benefits PDFPremiums PDF
F00081-09-000-01Benefits PDFPremiums PDF
F00081-10-000-01Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Asia
Asia
Asia
Asia incl. AU/NZ
Worldwide (excluding United States)
Asia incl. AU/NZ
Ward
N/A (capped)
Ward
Semi-Private Room
Standard Private Room
Semi-Private Room
Semi-Private Room
Semi-Private Room
Semi-Private Room
Semi-Private Room
Semi-Private Room
Lifetime limit
—
—
—
—
Annual limit
—
—
—
Per illness
—
—
—
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
—
—
—
No-Claim Bonus
—
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
—
—
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
—
—
—
Deductible
—
—
—
—
Version
Jul 15, 2025
Jul 15, 2025
Jul 15, 2025
Jul 15, 2025
Jul 15, 2025
Jul 15, 2025
Jul 15, 2025
Jul 15, 2025
Jul 15, 2025
Oct 27, 2025
Basic Benefits Basic
(a) Room and board
每日 $750 每保單年度最多 180 日
$1,100 per day(US$138 per day)
$2,400 per day(US$300 per day)
$4,400 per day(US$550 per day)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
(b) Miscellaneous charges
每保單年度 $14,000
$15,000 per Policy Year(US$1,975 per Policy Year)
$22,500 per Policy Year(US$2,813 per Policy Year)
$30,000 per Policy Year(US$3,750 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
(c) Attending doctor's visit fee
每日 $750 每保單年度最多 180 日
$1,100 per day(US$138 per day)
$2,400 per day(US$300 per day)
$4,400 per day(US$550 per day)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
(d) Specialist's fee
每保單年度 $4,300
$4,600 per Policy Year(US$605 per Policy Year)
$5,400 per Policy Year(US$675 per Policy Year)
$10,700 per Policy Year(US$1,338 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
(e) Intensive care
每日 $3,500 每保單年度最多 25 日
$4,480 per day(US$560 per day)
$7,400 per day(US$925 per day)
$11,600 per day(US$1,450 per day)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
(f) Surgeon's fee
—
—
—
—
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Fully covered* regardless of the surgical category
Fully covered* regardless of the surgical category
不論手術的分類全數賠償
Surgeon's fee — Minor
$5,000
$5,500(US$724)
$8,600(US$1,075)
$12,000(US$1,500)
—
—
—
—
—
—
Surgeon's fee — Intermediate
$12,500
$13,750(US$1,810)
$25,800(US$3,225)
$36,000(US$4,500)
—
—
—
—
—
—
Surgeon's fee — Major
$25,000
$27,500(US$3,620)
$43,000(US$5,375)
$60,000(US$7,500)
—
—
—
—
—
—
Surgeon's fee — Complex
$50,000
$55,000(US$7,240)
$86,000(US$10,750)
$120,000(US$15,000)
—
—
—
—
—
—
(g) Anaesthetist's fee
外科醫生費的 35%
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
(h) Operating theatre charges
外科醫生費的 35%
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
(i) Prescribed Diagnostic Imaging Tests
每保單年度 $20,000 設 30% 共同保險
$22,000 per Policy Year(US$2,895 per Policy Year)
$33,000 per Policy Year(US$4,125 per Policy Year)
$44,000 per Policy Year(US$5,500 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
(j) Prescribed Non-surgical Cancer Treatments
每保單年度 $80,000
$96,000 per Policy Year(US$12,630 per Policy Year)
$120,000 per Policy Year(US$15,000 per Policy Year)
$180,000 per Policy Year(US$22,500 per Policy Year)
$2,000,000 per Policy Year(US$250,000 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
每次 $580，每保單年度 $3,000 住院 / 日間手術前最多 1 次門診或急症診症 出院 / 日間手術後 90 日內最多 3 次跟進門診
Up to $3,400 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: $848 per visit• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure:- consultation, western medication, dressings, diagnostic tests: $848 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): $640 per visit(Up to US$447 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: US$112 per visit• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure:- consultation, western medication, dressings, diagnostic tests: US$112 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): US$84 per visit)
Up to $3,760 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: $936 per visit• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure:- consultation, western medication, dressings, diagnostic tests: $936 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): $700 per visit(Up to US$470 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: US$117 per visit• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure:- consultation, western medication, dressings, diagnostic tests: US$117 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): US$88 per visit)
Up to $4,000 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: $1,000 per visit• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure:- consultation, western medication, dressings, diagnostic tests: $1,000 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): $740 per visit(Up to US$500 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: US$125 per visit• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure:- consultation, western medication, dressings, diagnostic tests: US$125 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): US$93 per visit)
Full reimbursement of Eligible Expenses• Up to 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)• 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, $680 per visit(Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)• 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, US$85 per visit)
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)• 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, $680 per visit(Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)• 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, US$85 per visit)
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major under Section 3(f) of Part 6 of the Terms and Benefits (excluding dietitian consultations)• 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, $680 per visit(Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major under Section 3(f) of Part 6 of the Terms and Benefits (excluding dietitian consultations)• 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, US$85 per visit)
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major under Section 3(f) of Part 6 of the Terms and Benefits (excluding dietitian consultations)• 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, $680 per visit(Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major under Section 3(f) of Part 6 of the Terms and Benefits (excluding dietitian consultations)• 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, US$85 per visit)
Full coverage• All consultations / A&E within 30 days pre-admission (or 1 visit beyond 30 days)• All follow-up consultations within 90 days post-discharge (intermediate / minor / non-surgical), or within 365 days (complex / major)
(l) Psychiatric treatments
每保單年度 $30,000
$33,000 per Policy Year(US$4,340 per Policy Year)
$38,000 per Policy Year(US$4,750 per Policy Year)
$39,600 per Policy Year(US$4,950 per Policy Year)
$40,000 per Policy Year(US$5,000 per Policy Year)
$40,000 per Policy Year(US$5,000 per Policy Year)
$40,000 per Policy Year(US$5,000 per Policy Year)
$40,000 per Policy Year(US$5,000 per Policy Year)
$40,000 per Policy Year(US$5,000 per Policy Year)
每保單年度 $40,000(每保單年度 US$5,000)
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
—
—
—
Full reimbursement of Eligible Expenses, within 3 months of the Accident
Full reimbursement of Eligible Expenses, within 3 months of the Accident
Full reimbursement of Eligible Expenses, within 3 months of the Accident
Full reimbursement of Eligible Expenses, within 3 months of the Accident
Full reimbursement of Eligible Expenses, within 3 months of the Accident
全數賠償 意外發生後3個月內
Emergency outpatient treatment for Accident
—
$7,920 maximum per Injury within 24 hours of the Accident(US$990 maximum per Injury within 24 hours of the Accident)
$13,200 maximum per Injury within 24 hours of the Accident(US$1,650 maximum per Injury within 24 hours of the Accident)
$19,000 maximum per Injury within 24 hours of the Accident(US$2,375 maximum per Injury within 24 hours of the Accident)
Full reimbursement of Eligible Expenses, within 24 hours of the Accident
Full reimbursement of Eligible Expenses, within 24 hours of the Accident
Full reimbursement of Eligible Expenses, within 24 hours of the Accident
Full reimbursement of Eligible Expenses, within 24 hours of the Accident
Full reimbursement of Eligible Expenses, within 24 hours of the Accident
全數賠償 意外發生後24小時內
Inpatient-related
Organ transplant donor benefit
—
—
—
—
30% of the sum of surgical expenses for organ transplantation
30% of the sum of surgical expenses for organ transplantation
30% of the sum of surgical expenses for organ transplantation
30% of the sum of surgical expenses for organ transplantation
30% of the sum of surgical expenses for organ transplantation
器官移植手術費用總和的30%
Complications of pregnancy
—
—
—
—
—
—
—
Hospital companion bed fee reimbursement
—
$320 per day, maximum 90 days per Policy Year(US$40 per day, maximum 90 days per Policy Year)
$640 per day, maximum 90 days per Policy Year(US$80 per day, maximum 90 days per Policy Year)
$760 per day, maximum 90 days per Policy Year(US$95 per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
Private nursing fee (during Confinement)
—
—
—
—
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
全數賠償 每保單年度最多30日
Outpatient-related
Post-stroke rehabilitation visits
—
—
—
—
$1,000 per visit, max 30 visits per Policy Year, aggregate max $100,000 per Accident(US$125 per visit, max 30 visits per Policy Year, aggregate max US$12,500 per Accident)
$1,000 per visit, max 30 visits per Policy Year, aggregate max $100,000 per Accident(US$125 per visit, max 30 visits per Policy Year, aggregate max US$12,500 per Accident)
$1,000 per visit, max 30 visits per Policy Year, aggregate max $100,000 per Accident(US$125 per visit, max 30 visits per Policy Year, aggregate max US$12,500 per Accident)
$1,000 per visit, max 30 visits per Policy Year, aggregate max $100,000 per Accident(US$125 per visit, max 30 visits per Policy Year, aggregate max US$12,500 per Accident)
$1,000 per visit, max 30 visits per Policy Year, aggregate max $100,000 per Accident(US$125 per visit, max 30 visits per Policy Year, aggregate max US$12,500 per Accident)
$1,000 per visit, max 30 visits per Policy Year, aggregate max $100,000 per Accident(US$125 per visit, max 30 visits per Policy Year, aggregate max US$12,500 per Accident)
Post-stroke home equipment upgrade
—
—
—
—
$50,000 per Accident(US$6,250 per Accident)
$50,000 per Accident(US$6,250 per Accident)
$50,000 per Accident(US$6,250 per Accident)
$50,000 per Accident(US$6,250 per Accident)
$50,000 per Accident(US$6,250 per Accident)
$50,000 per Accident(US$6,250 per Accident)
Cancer / cardiac / stroke rehabilitation benefit
—
—
—
—
$80,000 per Policy Year, maximum 60 days per Policy Year(US$10,000 per Policy Year, maximum 60 days per Policy Year)
$80,000 per Policy Year, maximum 60 days per Policy Year(US$10,000 per Policy Year, maximum 60 days per Policy Year)
$80,000 per Policy Year, maximum 60 days per Policy Year(US$10,000 per Policy Year, maximum 60 days per Policy Year)
$80,000 per Policy Year, maximum 60 days per Policy Year(US$10,000 per Policy Year, maximum 60 days per Policy Year)
$80,000 per Policy Year, maximum 60 days per Policy Year(US$10,000 per Policy Year, maximum 60 days per Policy Year)
每保單年度 $80,000 每保單年度最多60日(每保單年度 US$10,000 每保單年度最多60日)
Outpatient kidney dialysis
—
$60,000 per Policy Year(US$7,500 per Policy Year)
$120,000 per Policy Year(US$15,000 per Policy Year)
$180,000 per Policy Year(US$22,500 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Fully covered* (where * means 'no itemised benefit sublimit')
Fully covered* (where * means 'no itemised benefit sublimit')
全數賠償
Life-stage health check benefit
—
—
—
—
—
—
—
One check-up in the Policy Year immediately following every third consecutive Policy Renewal
One check-up in the Policy Year immediately following every third consecutive Policy Renewal
—
Health check-up benefit
—
—
—
—
Applicable
Applicable
—
—
—
—
Hospice and palliative care benefit
—
—
—
—
$80,000 per Policy Year(US$10,000 per Policy Year)
$80,000 per Policy Year(US$10,000 per Policy Year)
$80,000 per Policy Year(US$10,000 per Policy Year)
$80,000 per Policy Year(US$10,000 per Policy Year)
$80,000 per Policy Year(US$10,000 per Policy Year)
每保單年度 $80,000(每保單年度 US$10,000)
Personal medical case management services
—
Applicable
Applicable
Applicable
Applicable
Applicable
Applicable
Applicable
Applicable
可提供
Daily post-surgery home nursing benefit
—
$424 per visit, $8,280 per Policy Year(US$53 per visit, US$1,035 per Policy Year)
$848 per visit, $16,320 per Policy Year(US$106 per visit, US$2,040 per Policy Year)
$1,904 per visit, $37,200 per Policy Year(US$238 per visit, US$4,650 per Policy Year)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
全數賠償 每保單年度最多196日（手術後或入住深切治療部後而出院之196日內）
Chinese Medicine Practitioner outpatient care
—
—
—
—
$600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure)
$600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure)
$600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure)
$600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure)
$600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure)
每次$1,000(每次US$125)
Cancer-related
Phase III clinical trial drug benefit
—
—
—
—
—
—
—
$500,000 per Policy Year (For any Reasonable and Customary charges incurred and reimbursable under this benefit item outside Hong Kong, Macau and Mainland China, such Reasonable and Customary charges shall be reduced to sixty per cent (60%) when calculating the total amount payable)Outside the above regions: R&C reduced to 60%(US$62,500 per Policy Year (For any Reasonable and Customary charges incurred and reimbursable under this benefit item outside Hong Kong, Macau and Mainland China, such Reasonable and Customary charges shall be reduced to sixty per cent (60%) when calculating the total amount payable)Outside the above regions: R&C reduced to 60%)
$500,000 per Policy Year (For any Reasonable and Customary charges incurred and reimbursable under this benefit item outside Hong Kong, Macau and Mainland China, such Reasonable and Customary charges shall be reduced to sixty per cent (60%) when calculating the total amount payable)Outside the above regions: R&C reduced to 60%(US$62,500 per Policy Year (For any Reasonable and Customary charges incurred and reimbursable under this benefit item outside Hong Kong, Macau and Mainland China, such Reasonable and Customary charges shall be reduced to sixty per cent (60%) when calculating the total amount payable)Outside the above regions: R&C reduced to 60%)
—
Reconstructive surgery for specified conditions
—
—
—
—
(i) $160,000 per Accident (ii) $160,000 per mastectomy((i) US$20,000 per Accident (ii) US$20,000 per mastectomy)
(i) $160,000 per Accident (ii) $160,000 per mastectomy((i) US$20,000 per Accident (ii) US$20,000 per mastectomy)
(i) $160,000 per Accident (ii) $160,000 per mastectomy((i) US$20,000 per Accident (ii) US$20,000 per mastectomy)
(i) $160,000 per Accident (ii) $160,000 per mastectomy((i) US$20,000 per Accident (ii) US$20,000 per mastectomy)
(i) $160,000 per Accident (ii) $160,000 per mastectomy((i) US$20,000 per Accident (ii) US$20,000 per mastectomy)
(i) 每次意外 $160,000 (ii) 每次乳房切除術 $160,000((i) 每次意外 US$20,000 (ii) 每次乳房切除術 US$20,000)
Reconstructive surgery medical device benefit
—
—
—
—
$96,000 per item per Policy Year(US$12,000 per item per Policy Year)
$96,000 per item per Policy Year(US$12,000 per item per Policy Year)
$96,000 per item per Policy Year(US$12,000 per item per Policy Year)
$96,000 per item per Policy Year(US$12,000 per item per Policy Year)
$96,000 per item per Policy Year(US$12,000 per item per Policy Year)
每保單年度每項 $96,000(每保單年度每項 US$12,000)
Cash Benefits Cash
Second-claim cash allowance
—
$300 per day, maximum 90 days per Policy Year(US$38 per day, maximum 90 days per Policy Year)
$600 per day, maximum 90 days per Policy Year(US$75 per day, maximum 90 days per Policy Year)
$1,200 per day, maximum 90 days per Policy Year(US$150 per day, maximum 90 days per Policy Year)
—
—
—
—
—
每日$600 每保單年度最多90日(每日US$75 每保單年度最多90日)
Day surgery cash benefit
—
—
—
—
$1,600 per surgery, maximum 1 surgery per Policy Year(US$200 per surgery, maximum 1 surgery per Policy Year)
$1,600 per surgery, maximum 1 surgery per Policy Year(US$200 per surgery, maximum 1 surgery per Policy Year)
$1,600 per surgery, maximum 1 surgery per Policy Year(US$200 per surgery, maximum 1 surgery per Policy Year)
$1,600 per surgery, maximum 1 surgery per Policy Year(US$200 per surgery, maximum 1 surgery per Policy Year)
$1,600 per surgery, maximum 1 surgery per Policy Year(US$200 per surgery, maximum 1 surgery per Policy Year)
每項手術$1,200(每項手術US$150)
Lower ward class cash benefit
—
—
—
—
—
$1,200 per day, maximum 60 days per Policy Year(US$150 per day, maximum 60 days per Policy Year)
$1,200 per day, maximum 60 days per Policy Year(US$150 per day, maximum 60 days per Policy Year)
$1,200 per day, maximum 60 days per Policy Year(US$150 per day, maximum 60 days per Policy Year)
$1,200 per day, maximum 60 days per Policy Year(US$150 per day, maximum 60 days per Policy Year)
每日$2,400 每保單年度最多60日(每日US$300 每保單年度最多60日)
Hospital transport cash allowance
—
—
—
—
—
—
—
—
—
每日$500 每保單年度最多4日(每日US$63 每保單年度最多4日)
Event Benefits Event
Stroke disability allowance benefit
—
—
—
—
$5,000 per month, max 24 months per Accident(US$625 per month, max 24 months per Accident)
$5,000 per month, max 24 months per Accident(US$625 per month, max 24 months per Accident)
$5,000 per month, max 24 months per Accident(US$625 per month, max 24 months per Accident)
$5,000 per month, max 24 months per Accident(US$625 per month, max 24 months per Accident)
$5,000 per month, max 24 months per Accident(US$625 per month, max 24 months per Accident)
$5,000 per month, max 24 months per Accident(US$625 per month, max 24 months per Accident)
Compassionate death benefit
$8,800
$8,800(US$1,100)
$17,600(US$2,200)
$35,200(US$4,400)
$40,000(US$5,000)
$10,000(US$1,250)
$10,000(US$1,250)
$10,000(US$1,250)
$10,000(US$1,250)
$10,000(US$1,250)
Accidental Death benefit
—
$8,800(US$1,100)
$17,600(US$2,200)
$35,200(US$4,400)
—
—
—
—
—
—
Compassionate death benefit (blood donor)
—
$4,400(US$550)
$8,800(US$1,100)
$17,600(US$2,200)
—
—
—
—
—
—
Medical accident and incident extension benefit
—
$88,000(US$11,000)
$176,000(US$22,000)
$352,000(US$44,000)
—
—
—
—
—
—
VHIS cert no.
S00013-01-000-02Benefits PDFPremiums PDF
Coverage region
Worldwide
Ward class
N/A (capped)
Lifetime benefit limit
—
Annual benefit limit
HK$420,000
Per-illness benefit limit
—
SMM Supplemental Major Medical
—
No-Claim Bonus
—
Deductible Options
—
Basic Benefits Basic
(a) Room and board
每日 $750 每保單年度最多 180 日
(b) Miscellaneous charges
每保單年度 $14,000
(c) Attending doctor's visit fee
每日 $750 每保單年度最多 180 日
(d) Specialist's fee
每保單年度 $4,300
(e) Intensive care
每日 $3,500 每保單年度最多 25 日
(f) Surgeon's fee
—
Surgeon's fee — Minor
$5,000
Surgeon's fee — Intermediate
$12,500
Surgeon's fee — Major
$25,000
Surgeon's fee — Complex
$50,000
(g) Anaesthetist's fee
外科醫生費的 35%
(h) Operating theatre charges
外科醫生費的 35%
(i) Prescribed Diagnostic Imaging Tests
每保單年度 $20,000 設 30% 共同保險
(j) Prescribed Non-surgical Cancer Treatments
每保單年度 $80,000
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
每次 $580，每保單年度 $3,000 住院 / 日間手術前最多 1 次門診或急症診症 出院 / 日間手術後 90 日內最多 3 次跟進門診
(l) Psychiatric treatments
每保單年度 $30,000
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
Emergency outpatient treatment for Accident
—
Inpatient-related
Organ transplant donor benefit
—
Complications of pregnancy
—
Hospital companion bed fee reimbursement
—
Private nursing fee (during Confinement)
—
Outpatient-related
Post-stroke rehabilitation visits
—
Post-stroke home equipment upgrade
—
Cancer / cardiac / stroke rehabilitation benefit
—
Outpatient kidney dialysis
—
Life-stage health check benefit
—
Health check-up benefit
—
Hospice and palliative care benefit
—
Personal medical case management services
—
Daily post-surgery home nursing benefit
—
Chinese Medicine Practitioner outpatient care
—
Cancer-related
Phase III clinical trial drug benefit
—
Reconstructive surgery for specified conditions
—
Reconstructive surgery medical device benefit
—
Cash Benefits Cash
Second-claim cash allowanceAfter other pays
—
Day surgery cash benefit
—
Lower ward class cash benefit
—
Hospital transport cash allowance
—
Event Benefits Event
Stroke disability allowance benefit
—
Compassionate death benefit
$8,800
Accidental Death benefit
—
Compassionate death benefit (blood donor)
—
Medical accident and incident extension benefit
—
Plan 1 / 10
AIA自願醫保標準計劃
AIA Voluntary Health Insurance Standard Scheme
Entry-level PickVer. Jul 15, 2025
- VHIS cert no.
- S00013-01-000-02
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- 每日 $750 每保單年度最多 180 日
- (b) 雜項開支
- 每保單年度 $14,000
- (c) 主診醫生巡房費
- 每日 $750 每保單年度最多 180 日
- (d) 專科醫生費
- 每保單年度 $4,300
- (e) 深切治療
- 每日 $3,500 每保單年度最多 25 日
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 外科醫生費 — 複雜
- $50,000
- (g) 麻醉科醫生費
- 外科醫生費的 35%
- (h) 手術室費
- 外科醫生費的 35%
- (i) 訂明診斷成像檢測
- 每保單年度 $20,000 設 30% 共同保險
- (j) 訂明非手術癌症治療
- 每保單年度 $80,000
- (k) 入院前或出院後／日間手術前後的門診護理
- 每次 $580，每保單年度 $3,000 住院 / 日間手術前最多 1 次門診或急症診症 出院 / 日間手術後 90 日內最多 3 次跟進門診
- (l) 精神科治療
- 每保單年度 $30,000
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 人生階段檢查保障
- —
- 身體檢查保障
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 個人療程管理服務
- —
- 家中看護
- —
- 出院後 / 日間手術後的中醫門診治療
- —
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
- 交通費用津貼惠益
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 恩恤身故賠償
- $8,800
- 意外身故賠償
- —
- 捐血恩恤身故賠償
- —
- 醫療意外事故保障
- —
Plan 2 / 10
AIA自願醫保靈活計劃 - 普通房 (港元)HKD + USD
AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD)
Step UpVer. Jul 15, 2025
- VHIS cert no.
- F00022-01-000-03F00022-04-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- Network：HK$120,000／per policy year / per disability, 15% coinsuranceNon-network：HK$100,000／per policy year / per disability, 20% coinsurance(Network：US$117,750／per policy year / per disability, 15% coinsuranceNon-network：US$98,125／per policy year / per disability, 20% coinsurance)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HKD$1,000-$1,100 per dayUSDUS$125-US$138 per day
- (b) 雜項開支
- HKD$14,000-$15,000 per Policy YearUSDUS$1,840-US$1,975 per Policy Year
- (c) 主診醫生巡房費
- HKD$1,000-$1,100 per dayUSDUS$125-US$138 per day
- (d) 專科醫生費
- HKD$4,300-$4,600 per Policy YearUSDUS$565-US$605 per Policy Year
- (e) 深切治療
- HKD$3,740-$4,480 per dayUSDUS$468-US$560 per day
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $5,500(US$724)
- 外科醫生費 — 中型
- $13,750(US$1,810)
- 外科醫生費 — 大型
- $27,500(US$3,620)
- 外科醫生費 — 複雜
- $55,000(US$7,240)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HKD$20,000-$22,000 per Policy YearUSDUS$2,630-US$2,895 per Policy Year
- (j) 訂明非手術癌症治療
- HKD$80,000-$96,000 per Policy YearUSDUS$10,525-US$12,630 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- Up to $3,400 (US$447) per Policy Year (network) • 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: $848 (US$112) per visit • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure: - consultation, western medication, dressings, diagnostic tests: $848 (US$112) per visit - other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): $640 (US$84) per visit非網絡: 每保單年度最多 $3,000• 入院前/日間手術前急症診症：每次 $580，最多 1 次• 出院後/日間手術後跟進門診：90 日內最多 3 次- 診症、處方西藥、敷藥、診斷檢測：每次 $580- 其他跟進門診（物理/職業/言語/脊椎）：每次 $580(每保單年度最多 US$395• 入院前/日間手術前急症診症：每次 US$76，最多 1 次• 出院後/日間手術後跟進門診：90 日內最多 3 次- 診症、處方西藥、敷藥、診斷檢測：每次 US$76- 其他跟進門診（物理/職業/言語/脊椎）：每次 US$76)
- (l) 精神科治療
- HKD$30,000-$33,000 per Policy YearUSDUS$3,945-US$4,340 per Policy Year
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- HKD$50,000-$60,000 per Policy YearUSDUS$6,250-US$7,500 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HKD$6,600-$7,920 per visitUSDUS$825-US$990 per visit
- 人生階段檢查保障
- —
- 身體檢查保障
- —
- 住院陪床
- HKD$180-$320 per dayUSDUS$23-US$40 per day
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 個人療程管理服務
- Applicable
- 家中看護
- $424 (US$53) per visit, $8,280 (US$1,035) per Policy Year
- 出院後 / 日間手術後的中醫門診治療
- —
Cash Benefits Cash
- 第二索償現金津貼
- $300 per day, maximum 90 days per Policy Year(US$38)
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
- 交通費用津貼惠益
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 恩恤身故賠償
- $8,800(US$1,100)
- 意外身故賠償
- $8,800(US$1,100)
- 捐血恩恤身故賠償
- $4,400(US$550)
- 醫療意外事故保障
- $88,000(US$11,000)
Plan 3 / 10
AIA自願醫保靈活計劃 - 半私家房 (港元)HKD + USD
AIA Voluntary Health Insurance Flexi Scheme - Semi-private (HKD)
Step UpVer. Jul 15, 2025
- VHIS cert no.
- F00022-02-000-03F00022-05-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- Network：HK$240,000／per policy year / per disability, 15% coinsuranceNon-network：HK$200,000／per policy year / per disability, 20% coinsurance(Network：US$235,500／per policy year / per disability, 15% coinsuranceNon-network：US$196,250／per policy year / per disability, 20% coinsurance)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HKD$2,200-$2,400 per dayUSDUS$275-US$300 per day
- (b) 雜項開支
- HKD$21,000-$22,500 per Policy YearUSDUS$2,625-US$2,813 per Policy Year
- (c) 主診醫生巡房費
- HKD$2,200-$2,400 per dayUSDUS$275-US$300 per day
- (d) 專科醫生費
- HKD$5,000-$5,400 per Policy YearUSDUS$625-US$675 per Policy Year
- (e) 深切治療
- HKD$6,160-$7,400 per dayUSDUS$770-US$925 per day
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $8,600(US$1,075)
- 外科醫生費 — 中型
- $25,800(US$3,225)
- 外科醫生費 — 大型
- $43,000(US$5,375)
- 外科醫生費 — 複雜
- $86,000(US$10,750)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HKD$30,000-$33,000 per Policy YearUSDUS$3,750-US$4,125 per Policy Year
- (j) 訂明非手術癌症治療
- HKD$100,000-$120,000 per Policy YearUSDUS$12,500-US$15,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- Up to $3,760 (US$470) per Policy Year (network) • 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: $936 (US$117) per visit • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure: - consultation, western medication, dressings, diagnostic tests: $936 (US$117) per visit - other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): $700 (US$88) per visit非網絡: 每保單年度最多 $3,300• 入院前/日間手術前急症診症：每次 $640，最多 1 次• 出院後/日間手術後跟進門診：90 日內最多 3 次- 診症、處方西藥、敷藥、診斷檢測：每次 $640- 其他跟進門診（物理/職業/言語/脊椎）：每次 $640(每保單年度最多 US$413• 入院前/日間手術前急症診症：每次 US$80，最多 1 次• 出院後/日間手術後跟進門診：90 日內最多 3 次- 診症、處方西藥、敷藥、診斷檢測：每次 US$80- 其他跟進門診（物理/職業/言語/脊椎）：每次 US$80)
- (l) 精神科治療
- HKD$34,500-$38,000 per Policy YearUSDUS$4,313-US$4,750 per Policy Year
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- HKD$100,000-$120,000 per Policy YearUSDUS$12,500-US$15,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HKD$11,000-$13,200 per visitUSDUS$1,375-US$1,650 per visit
- 人生階段檢查保障
- —
- 身體檢查保障
- —
- 住院陪床
- HKD$280-$640 per dayUSDUS$35-US$80 per day
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 個人療程管理服務
- Applicable
- 家中看護
- $848 (US$106) per visit, $16,320 (US$2,040) per Policy Year
- 出院後 / 日間手術後的中醫門診治療
- —
Cash Benefits Cash
- 第二索償現金津貼
- $600 per day, maximum 90 days per Policy Year(US$75)
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
- 交通費用津貼惠益
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 恩恤身故賠償
- $17,600(US$2,200)
- 意外身故賠償
- $17,600(US$2,200)
- 捐血恩恤身故賠償
- $8,800(US$1,100)
- 醫療意外事故保障
- $176,000(US$22,000)
Plan 4 / 10
AIA自願醫保靈活計劃 - 標準私家房 (港元)HKD + USD
AIA Voluntary Health Insurance Flexi Scheme - Standard Private (HKD)
Step UpVer. Jul 15, 2025
- VHIS cert no.
- F00022-03-000-03F00022-06-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- Network：HK$480,000／per policy year / per disability, 15% coinsuranceNon-network：HK$400,000／per policy year / per disability, 20% coinsurance(Network：US$471,000／per policy year / per disability, 15% coinsuranceNon-network：US$392,500／per policy year / per disability, 20% coinsurance)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HKD$4,000-$4,400 per dayUSDUS$500-US$550 per day
- (b) 雜項開支
- HKD$28,000-$30,000 per Policy YearUSDUS$3,500-US$3,750 per Policy Year
- (c) 主診醫生巡房費
- HKD$4,000-$4,400 per dayUSDUS$500-US$550 per day
- (d) 專科醫生費
- HKD$10,000-$10,700 per Policy YearUSDUS$1,250-US$1,338 per Policy Year
- (e) 深切治療
- HKD$9,680-$11,600 per dayUSDUS$1,210-US$1,450 per day
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $12,000(US$1,500)
- 外科醫生費 — 中型
- $36,000(US$4,500)
- 外科醫生費 — 大型
- $60,000(US$7,500)
- 外科醫生費 — 複雜
- $120,000(US$15,000)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HKD$40,000-$44,000 per Policy YearUSDUS$5,000-US$5,500 per Policy Year
- (j) 訂明非手術癌症治療
- HKD$150,000-$180,000 per Policy YearUSDUS$18,750-US$22,500 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- Up to $4,000 (US$500) per Policy Year (network) • 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: $1,000 (US$125) per visit • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure: - consultation, western medication, dressings, diagnostic tests: $1,000 (US$125) per visit - other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): $740 (US$93) per visit非網絡: 每保單年度最多 $3,500• 入院前/日間手術前急症診症：每次 $670，最多 1 次• 出院後/日間手術後跟進門診：90 日內最多 3 次- 診症、處方西藥、敷藥、診斷檢測：每次 $670- 其他跟進門診（物理/職業/言語/脊椎）：每次 $670(每保單年度最多 US$438• 入院前/日間手術前急症診症：每次 US$84，最多 1 次• 出院後/日間手術後跟進門診：90 日內最多 3 次- 診症、處方西藥、敷藥、診斷檢測：每次 US$84- 其他跟進門診（物理/職業/言語/脊椎）：每次 US$84)
- (l) 精神科治療
- HKD$36,000-$39,600 per Policy YearUSDUS$4,500-US$4,950 per Policy Year
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- HKD$150,000-$180,000 per Policy YearUSDUS$18,750-US$22,500 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HKD$15,840-$19,000 per visitUSDUS$1,980-US$2,375 per visit
- 人生階段檢查保障
- —
- 身體檢查保障
- —
- 住院陪床
- HKD$380-$760 per dayUSDUS$48-US$95 per day
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 個人療程管理服務
- Applicable
- 家中看護
- $1,904 (US$238) per visit, $37,200 (US$4,650) per Policy Year
- 出院後 / 日間手術後的中醫門診治療
- —
Cash Benefits Cash
- 第二索償現金津貼
- $1,200 per day, maximum 90 days per Policy Year(US$150)
- 日間手術現金惠益
- —
- 次級病房級別現金惠益
- —
- 交通費用津貼惠益
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 恩恤身故賠償
- $35,200(US$4,400)
- 意外身故賠償
- $35,200(US$4,400)
- 捐血恩恤身故賠償
- $17,600(US$2,200)
- 醫療意外事故保障
- $352,000(US$44,000)
Plan 5 / 10
AIA自願醫保尊尚計劃HKD + USD
AIA Voluntary Health Insurance Prime Scheme
High-endVer. Jul 15, 2025
- VHIS cert no.
- F00025-01-000-03F00025-02-000-03F00025-03-000-03F00025-04-000-03F00025-05-000-03F00025-06-000-03
- Plan Type
- Flexi
- Coverage region
- Asia
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$5,000,000(US$650,000)
- Lifetime benefit limit
- HK$20,000,000(US$2,600,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $16K / $25KUSDUS$0 / US$2,000 / US$3,125
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- $2,000,000(US$250,000)
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • Up to 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $40,000(US$5,000)
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- (i) $160,000 (US$20,000) per Accident (ii) $160,000 (US$20,000) per mastectomy
- 重建手術的醫療裝置費用
- $96,000(US$12,000)
- 中風復康治療
- $1,000 (US$125) per visit, max 30 visits per Policy Year, aggregate max $100,000 (US$12,500) per Accident
- 中風家居設備提升
- $50,000(US$6,250)
- 復康保障
- $80,000 per Policy Year, maximum 60 days per Policy Year(US$10,000)
- 門診洗腎
- Full reimbursement
- 器官移植的捐贈者保障
- 30% of the sum of surgical expenses for organ transplantation
- 懷孕併發症
- —
- 意外牙科治療
- Full reimbursement of Eligible Expenses, within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses, within 24 hours of the Accident
- 人生階段檢查保障
- —
- 身體檢查保障
- Applicable
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
- 善終服務
- $80,000(US$10,000)
- 個人療程管理服務
- Applicable
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75)
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,600 per surgery, maximum 1 surgery per Policy Year(US$200)
- 次級病房級別現金惠益
- —
- 交通費用津貼惠益
- —
Event Benefits Event
- 中風傷殘津貼保障
- $5,000 per month, max 24 months per Accident(US$625)
- 恩恤身故賠償
- $40,000(US$5,000)
- 意外身故賠償
- —
- 捐血恩恤身故賠償
- —
- 醫療意外事故保障
- —
Plan 6 / 10
AIA自願醫保尊顯計劃HKD + USD
AIA Voluntary Health Insurance Privilege Scheme
High-endVer. Jul 15, 2025
- VHIS cert no.
- F00053-01-000-02F00053-02-000-02F00053-03-000-02F00053-04-000-02F00053-05-000-02F00053-06-000-02
- Plan Type
- Flexi
- Coverage region
- Asia
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$10,000,000(US$1,250,000)
- Lifetime benefit limit
- HK$50,000,000(US$6,250,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $16K / $25KUSDUS$0 / US$2,000 / US$3,125
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure • 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations) • 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, $680 (US$85) per visit
- (l) 精神科治療
- $40,000(US$5,000)
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- (i) $160,000 (US$20,000) per Accident (ii) $160,000 (US$20,000) per mastectomy
- 重建手術的醫療裝置費用
- $96,000(US$12,000)
- 中風復康治療
- $1,000 (US$125) per visit, max 30 visits per Policy Year, aggregate max $100,000 (US$12,500) per Accident
- 中風家居設備提升
- $50,000(US$6,250)
- 復康保障
- $80,000 per Policy Year, maximum 60 days per Policy Year(US$10,000)
- 門診洗腎
- Full reimbursement
- 器官移植的捐贈者保障
- 30% of the sum of surgical expenses for organ transplantation
- 懷孕併發症
- —
- 意外牙科治療
- Full reimbursement of Eligible Expenses, within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses, within 24 hours of the Accident
- 人生階段檢查保障
- —
- 身體檢查保障
- Applicable
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
- 善終服務
- $80,000(US$10,000)
- 個人療程管理服務
- Applicable
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75)
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,600 per surgery, maximum 1 surgery per Policy Year(US$200)
- 次級病房級別現金惠益
- $1,200 per day, maximum 60 days per Policy Year(US$150)
- 交通費用津貼惠益
- —
Event Benefits Event
- 中風傷殘津貼保障
- $5,000 per month, max 24 months per Accident(US$625)
- 恩恤身故賠償
- $10,000(US$1,250)
- 意外身故賠償
- —
- 捐血恩恤身故賠償
- —
- 醫療意外事故保障
- —
Plan 7 / 10
AIA自願醫保尊裕計劃HKD + USD
AIA Voluntary Health Insurance Privilege Plus Scheme
High-endVer. Jul 15, 2025
- VHIS cert no.
- F00054-01-000-02F00054-02-000-02F00054-03-000-02F00054-04-000-02F00054-05-000-02F00054-06-000-02
- Plan Type
- Flexi
- Coverage region
- Asia
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$10,000,000(US$1,250,000)
- Lifetime benefit limit
- HK$50,000,000(US$6,250,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $16K / $25KUSDUS$0 / US$2,000 / US$3,125
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure • 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations) • 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, $680 (US$85) per visit
- (l) 精神科治療
- $40,000(US$5,000)
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- (i) $160,000 (US$20,000) per Accident (ii) $160,000 (US$20,000) per mastectomy
- 重建手術的醫療裝置費用
- $96,000(US$12,000)
- 中風復康治療
- $1,000 (US$125) per visit, max 30 visits per Policy Year, aggregate max $100,000 (US$12,500) per Accident
- 中風家居設備提升
- $50,000(US$6,250)
- 復康保障
- $80,000 per Policy Year, maximum 60 days per Policy Year(US$10,000)
- 門診洗腎
- Full reimbursement
- 器官移植的捐贈者保障
- 30% of the sum of surgical expenses for organ transplantation
- 懷孕併發症
- —
- 意外牙科治療
- Full reimbursement of Eligible Expenses, within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses, within 24 hours of the Accident
- 人生階段檢查保障
- —
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
- 善終服務
- $80,000(US$10,000)
- 個人療程管理服務
- Applicable
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75)
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,600 per surgery, maximum 1 surgery per Policy Year(US$200)
- 次級病房級別現金惠益
- $1,200 per day, maximum 60 days per Policy Year(US$150)
- 交通費用津貼惠益
- —
Event Benefits Event
- 中風傷殘津貼保障
- $5,000 per month, max 24 months per Accident(US$625)
- 恩恤身故賠償
- $10,000(US$1,250)
- 意外身故賠償
- —
- 捐血恩恤身故賠償
- —
- 醫療意外事故保障
- —
Plan 8 / 10
AIA自願醫保尊耀計劃 (亞洲)HKD + USD
AIA Voluntary Health Insurance Privilege Ultra Scheme
High-endVer. Jul 15, 2025
- VHIS cert no.
- F00074-01-000-01F00074-02-000-01F00074-03-000-01F00074-04-000-01F00074-09-000-01F00074-10-000-01F00074-11-000-01F00074-12-000-01
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$12,000,000(US$1,500,000)
- Lifetime benefit limit
- HK$60,000,000(US$7,500,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $16K / $25K / $50KUSDUS$0 / US$2,000 / US$3,125 / US$6,250
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure • 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations) • All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major under Section 3(f) of Part 6 of the Terms and Benefits (excluding dietitian consultations) • 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, $680 (US$85) per visit
- (l) 精神科治療
- $40,000(US$5,000)
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- $500,000 per Policy Year (For any Reasonable and Customary charges incurred and reimbursable under this benefit item outside Hong Kong, Macau and Mainland China, such Reasonable and Customary charges shall be reduced to sixty per cent (60%) when calculating the total amount payable)Outside the above regions: R&C reduced to 60%(US$62,500)
- 指定重建手術保障
- (i) $160,000 (US$20,000) per Accident (ii) $160,000 (US$20,000) per mastectomy
- 重建手術的醫療裝置費用
- $96,000(US$12,000)
- 中風復康治療
- $1,000 (US$125) per visit, max 30 visits per Policy Year, aggregate max $100,000 (US$12,500) per Accident
- 中風家居設備提升
- $50,000(US$6,250)
- 復康保障
- $80,000 per Policy Year, maximum 60 days per Policy Year(US$10,000)
- 門診洗腎
- Full reimbursement
- 器官移植的捐贈者保障
- 30% of the sum of surgical expenses for organ transplantation
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- Full reimbursement of Eligible Expenses, within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses, within 24 hours of the Accident
- 人生階段檢查保障
- One check-up in the Policy Year immediately following every third consecutive Policy Renewal
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
- 善終服務
- $80,000(US$10,000)
- 個人療程管理服務
- Applicable
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75)
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,600 per surgery, maximum 1 surgery per Policy Year(US$200)
- 次級病房級別現金惠益
- $1,200 per day, maximum 60 days per Policy Year(US$150)
- 交通費用津貼惠益
- —
Event Benefits Event
- 中風傷殘津貼保障
- $5,000 per month, max 24 months per Accident(US$625)
- 恩恤身故賠償
- $10,000(US$1,250)
- 意外身故賠償
- —
- 捐血恩恤身故賠償
- —
- 醫療意外事故保障
- —
Plan 9 / 10
AIA自願醫保尊耀計劃 (全球(美國除外))HKD + USD
AIA Voluntary Health Insurance Privilege Ultra Scheme
High-endVer. Jul 15, 2025
- VHIS cert no.
- F00074-05-000-01F00074-06-000-01F00074-07-000-01F00074-08-000-01F00074-13-000-01F00074-14-000-01F00074-15-000-01F00074-16-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$12,000,000(US$1,500,000)
- Lifetime benefit limit
- HK$60,000,000(US$7,500,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $16K / $25K / $50KUSDUS$0 / US$2,000 / US$3,125 / US$6,250
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure • 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations) • All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major under Section 3(f) of Part 6 of the Terms and Benefits (excluding dietitian consultations) • 4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, $680 (US$85) per visit
- (l) 精神科治療
- $40,000(US$5,000)
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- $500,000 per Policy Year (For any Reasonable and Customary charges incurred and reimbursable under this benefit item outside Hong Kong, Macau and Mainland China, such Reasonable and Customary charges shall be reduced to sixty per cent (60%) when calculating the total amount payable)Outside the above regions: R&C reduced to 60%(US$62,500)
- 指定重建手術保障
- (i) $160,000 (US$20,000) per Accident (ii) $160,000 (US$20,000) per mastectomy
- 重建手術的醫療裝置費用
- $96,000(US$12,000)
- 中風復康治療
- $1,000 (US$125) per visit, max 30 visits per Policy Year, aggregate max $100,000 (US$12,500) per Accident
- 中風家居設備提升
- $50,000(US$6,250)
- 復康保障
- $80,000 per Policy Year, maximum 60 days per Policy Year(US$10,000)
- 門診洗腎
- Full reimbursement
- 器官移植的捐贈者保障
- 30% of the sum of surgical expenses for organ transplantation
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- Full reimbursement of Eligible Expenses, within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses, within 24 hours of the Accident
- 人生階段檢查保障
- One check-up in the Policy Year immediately following every third consecutive Policy Renewal
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year
- 善終服務
- $80,000(US$10,000)
- 個人療程管理服務
- Applicable
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75)
Cash Benefits Cash
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,600 per surgery, maximum 1 surgery per Policy Year(US$200)
- 次級病房級別現金惠益
- $1,200 per day, maximum 60 days per Policy Year(US$150)
- 交通費用津貼惠益
- —
Event Benefits Event
- 中風傷殘津貼保障
- $5,000 per month, max 24 months per Accident(US$625)
- 恩恤身故賠償
- $10,000(US$1,250)
- 意外身故賠償
- —
- 捐血恩恤身故賠償
- —
- 醫療意外事故保障
- —
Plan 10 / 10
AIA自願醫保睿選計劃HKD + USD
AIA Voluntary Health Insurance SelectWise Scheme
High-endVer. Oct 27, 2025
- VHIS cert no.
- F00081-01-000-01F00081-02-000-01F00081-03-000-01F00081-04-000-01F00081-05-000-01F00081-06-000-01F00081-07-000-01F00081-08-000-01F00081-09-000-01F00081-10-000-01
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$12,000,000(US$1,500,000)
- Lifetime benefit limit
- HK$60,000,000(US$7,500,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $8,800 / $18K / $30K / $55KUSDUS$0 / US$1,100 / US$2,250 / US$3,750 / US$6,875
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full coverage • All consultations / A&E within 30 days pre-admission (or 1 visit beyond 30 days) • All follow-up consultations within 90 days post-discharge (intermediate / minor / non-surgical), or within 365 days (complex / major)非網絡: 每次$640• 入院前1次門診或急症診症• 出院後90日內或365日內共3次跟進門診(每次US$80• 入院前1次門診或急症診症• 出院後90日內或365日內共3次跟進門診)
- (l) 精神科治療
- $40,000(US$5,000)
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- (i) 每次意外 $160,000 (US$20,000) (ii) 每次乳房切除術 $160,000 (US$20,000)
- 重建手術的醫療裝置費用
- $96,000(US$12,000)
- 中風復康治療
- $1,000 (US$125) per visit, max 30 visits per Policy Year, aggregate max $100,000 (US$12,500) per Accident
- 中風家居設備提升
- $50,000(US$6,250)
- 復康保障
- 每保單年度 $80,000 每保單年度最多60日(US$10,000)
- 門診洗腎
- Full reimbursement
- 器官移植的捐贈者保障
- 器官移植手術費用總和的30%
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- 全數賠償 意外發生後3個月內
- 意外急症門診治療費用賠償
- 全數賠償 意外發生後24小時內
- 人生階段檢查保障
- —
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- 全數賠償 每保單年度最多30日
- 善終服務
- $80,000(US$10,000)
- 個人療程管理服務
- Full reimbursement
- 家中看護
- 全數賠償 每保單年度最多196日（手術後或入住深切治療部後而出院之196日內）
- 出院後 / 日間手術後的中醫門診治療
- HKD$600-$1,000 per visitUSDUS$75-US$125 per visit
Cash Benefits Cash
- 第二索償現金津貼
- 每日$600 每保單年度最多90日(US$75)
- 日間手術現金惠益
- HKD$800-$1,200 per surgeryUSDUS$100-US$150 per surgery
- 次級病房級別現金惠益
- 每日$2,400 每保單年度最多60日(US$300)
- 交通費用津貼惠益
- 每日$500 每保單年度最多4日(US$63)
Event Benefits Event
- 中風傷殘津貼保障
- $5,000 per month, max 24 months per Accident(US$625)
- 恩恤身故賠償
- $10,000(US$1,250)
- 意外身故賠償
- —
- 捐血恩恤身故賠償
- —
- 醫療意外事故保障
- —