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Avo — same-insurer plan comparison

Avo Insurance Company Limited · 1 plan series · 1 variants

Avo Insurance Company Limited offers 1 Voluntary Health Insurance Scheme (VHIS) plan in Hong Kong, covering Worldwide (including United States), across No ward-class restriction (item limits apply) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.

Data version: Dec 1, 2021

Avo Voluntary Health Insurance Scheme (Standard) Plan

Latest version · 2021-12-01

Standard Plan
VHIS cert no.
S00043-01-000-01Benefits PDFPremiums PDF
Main coverage region
Worldwide (including United States)
Ward class
No ward-class restriction (item limits apply)
Lifetime benefit limit
No overall limit
Annual benefit limit
HK$420,000
Per-illness benefit limit
—
SMM Supplemental Major Medical
—
No-Claim Bonus
Not listed
Deductible Options
—
Deductible reduction at specified ages
Not applicable

Basic Benefits

  • (a) Room and board
    HK$750 per day, maximum 180 days per Policy Year
  • (b) Miscellaneous charges
    HK$14,000 per Policy Year
  • (c) Attending doctor's visit fee
    HK$750 per day, maximum 180 days per Policy Year
  • (d) Specialist's fee
    HK$4,300 per Policy Year
  • (e) Intensive care
    HK$3,500 per day, maximum 25 days per Policy Year
  •     Surgeon's fee — Minor
    HK$5,000
  •     Surgeon's fee — Intermediate
    HK$12,500
  •     Surgeon's fee — Major
    HK$25,000
  •     Surgeon's fee — Complex
    HK$50,000
  • (g) Anaesthetist's fee
    35% of Surgeon's fee payable
  • (h) Operating theatre charges
    35% of Surgeon's fee payable
  • (i) Prescribed Diagnostic Imaging Tests
    HK$20,000 per Policy YearSubject to Coinsurance: 30%
  • (j) Prescribed Non-surgical Cancer Treatments
    HK$80,000 per Policy Year
  • (k) Pre- and post-Confinement / Day Case Procedure outpatient care
    HK$580 per visit, HK$3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
  • (l) Psychiatric treatments
    HK$30,000 per Policy Year

“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.