VHIS Plan
AIA Voluntary Health Insurance Flexi Scheme
AIA自願醫保靈活計劃
AIA International Limited·6 plan options
AIA Voluntary Health Insurance Flexi Scheme is a VHIS Flexi plan offered by AIA International Limited, with basic and extra: No ward-class restriction; SMM: Ward, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Jul 15, 2026.
01 · Plan options
6 options — premiums differ; deductible, ward class or cover may also differPlan option
Ward (HKD)
Entry premium (Age 30 male non-smoker)
HK$5,075 /yr
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Plan option
Semi-private (HKD)
Entry premium (Age 30 male non-smoker)
HK$9,453 /yr
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Plan option
Standard Private (HKD)
Entry premium (Age 30 male non-smoker)
HK$15,934 /yr
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Plan option
Ward (USD)
Entry premium (Age 30 male non-smoker)
US$640.6/yr
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Plan option
Semi-private (USD)
Entry premium (Age 30 male non-smoker)
US$1,181.6/yr
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Plan option
Standard Private (USD)
Entry premium (Age 30 male non-smoker)
US$1,991.7/yr
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02 · Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Ward (HKD) | HK$6,090 | HK$3,426 | HK$4,132 | HK$5,075 | HK$6,810 | HK$10,979 | HK$18,177 | HK$32,053 | HK$54,167 |
| Semi-private (HKD) | HK$11,390 | HK$6,202 | HK$7,667 | HK$9,453 | HK$12,745 | HK$20,628 | HK$33,960 | HK$59,827 | HK$101,306 |
| Standard Private (HKD) | HK$18,461 | HK$10,254 | HK$13,229 | HK$15,934 | HK$21,925 | HK$36,134 | HK$58,508 | HK$112,701 | HK$191,179 |
| Ward (USD) | US$768.8 | US$432.4 | US$521.7 | US$640.6 | US$860 | US$1,386 | US$2,294.8 | US$4,046.7 | US$6,838.7 |
| Semi-private (USD) | US$1,423.8 | US$775.3 | US$958.4 | US$1,181.6 | US$1,593.1 | US$2,578.5 | US$4,245 | US$7,478.4 | US$12,663.2 |
| Standard Private (USD) | US$2,307.6 | US$1,281.8 | US$1,653.6 | US$1,991.7 | US$2,740.6 | US$4,516.7 | US$7,313.5 | US$14,087.6 | US$23,897.4 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Ward (HKD) | HK$4,714 | HK$3,444 | HK$4,217 | HK$6,296 | HK$9,491 | HK$13,142 | HK$16,702 | HK$29,330 | HK$48,830 |
| Semi-private (HKD) | HK$8,814 | HK$5,771 | HK$7,014 | HK$10,474 | HK$15,374 | HK$21,634 | HK$29,149 | HK$52,326 | HK$87,246 |
| Standard Private (HKD) | HK$12,894 | HK$9,549 | HK$12,591 | HK$17,642 | HK$25,917 | HK$38,919 | HK$53,042 | HK$102,855 | HK$171,707 |
| Ward (USD) | US$595.2 | US$434.7 | US$532.3 | US$794.7 | US$1,198.3 | US$1,659.3 | US$2,108.5 | US$3,702.9 | US$6,164.6 |
| Semi-private (USD) | US$1,101.8 | US$721.4 | US$876.7 | US$1,309.2 | US$1,921.7 | US$2,704.2 | US$3,643.6 | US$6,540.7 | US$10,905.8 |
| Standard Private (USD) | US$1,611.7 | US$1,193.6 | US$1,573.9 | US$2,205.2 | US$3,239.6 | US$4,864.9 | US$6,630.2 | US$12,856.9 | US$21,463.4 |
How to apply for this plan
This plan is offered by AIA International Limited. To apply, contact AIA International Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
This site's licensed insurance agent can only arrange FWD plans.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jul 15, 2026
- Plan data updated
- 2026-07-18