VHIS · High-end
AIA Voluntary Health Insurance Privilege Ultra Scheme and AXA WiseGuard Pro Medical Insurance Plan - Regular are both High-end VHIS plans; they differ in ward class, benefit limits, geographical coverage and premium.
AIA Voluntary Health Insurance Privilege Ultra Scheme suits you better if you value a higher annual benefit limit (HK$11,775,000) and a stated lifetime benefit cap (HK$58,875,000). AXA WiseGuard Pro Medical Insurance Plan - Regular suits you better if you value a lower entry premium (about HK$12,463/yr at age 40, non-smoker).
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 Privilege Ultra SchemeAIA International Limited | AXA WiseGuard Pro Medical Insurance Plan - RegularAXA China Region Insurance Company (Hong Kong) Limited |
|---|---|---|
| Plan type | Flexi | Flexi |
| Insurer | AIA International Limited | AXA China Region Insurance Company (Hong Kong) Limited |
| Ward class | Semi-Private Room | Ward |
| Annual benefit limit | HK$11,775,000▲ | HK$5,000,000 |
| Lifetime benefit limit | HK$58,875,000 | Full cover / not stated |
| Per-illness annual limit | Full cover / not stated | Full cover / not stated |
| DeductibleCompared at the lowest-deductible variant | $0 | $0 |
| Geographical coverage | Asia incl. AU/NZ | Greater China |
| Supplementary Major Medical (SMM) | No supplementary cover / not stated | No supplementary cover / not stated |
| Full-cover basic ward | Full cover | Full cover |
| Reference premium (age 40, non-smoker)Annual premium (HKD) | HK$20,104▲ | HK$12,463 |
| Data version | Jul 15, 2025 | Jan 26, 2026 |
▲ 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. F00074-09-000-01
AIA Voluntary Health Insurance Privilege Ultra Scheme is a Flexi VHIS plan with a Semi-Private Room ward class, an annual benefit limit of HK$11,775,000 and a lifetime limit of HK$58,875,000; geographical coverage is Asia incl. AU/NZ.
AXA China Region Insurance Company (Hong Kong) Limited · Cert. no. F00034-01-000-05
AXA WiseGuard Pro Medical Insurance Plan - Regular is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$5,000,000 and a lifetime limit of Full cover / not stated; geographical coverage is Greater China.
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