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VHIS Flexi · F00022-02-000-03

AIA Voluntary Health Insurance Flexi Scheme - Semi-private (HKD)

AIA自願醫保靈活計劃 - 半私家房 (港元)

AIA Voluntary Health Insurance Flexi Scheme - Semi-private (HKD) is a VHIS Flexi plan offered by AIA International Limited, with ward class Semi-Private Room, Worldwide coverage and full coverage (no annual benefit limit). Latest plan-document version: Jul 15, 2026.

Your premium

HK$9,453 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

Network：HK$240,000／per policy year / per disability, 15% coinsurance
Non-network：HK$200,000／per policy year / per disability, 20% coinsurance

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

SMM

Network：HK$240,000／per policy year / per disability, 15% coinsurance
Non-network：HK$200,000／per policy year / per disability, 20% coinsurance

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$2,400 per day Non-network: 每日$2,200 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	$22,500 per Policy Year Non-network: 每保單年度$21,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,400 per day Non-network: 每日$2,200 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	$5,400 per Policy Year Non-network: 每保單年度$5,000
(e) Intensive care (e) 深切治療	$7,400 per day Non-network: 每日$6,160 每保單年度最多25日
Surgeon's fee — Minor 外科醫生費 — 小型	$8,600 Non-network: $7,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$25,800 Non-network: $22,500
Surgeon's fee — Major 外科醫生費 — 大型	$43,000 Non-network: $37,500
Surgeon's fee — Complex 外科醫生費 — 複雜	$86,000 Non-network: $75,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable Non-network: 外科醫生費賠償額的35%
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable Non-network: 外科醫生費賠償額的35%
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$33,000 per Policy Year Non-network: 每保單年度$30,000 設30%共同保險，於條款及保障中第六部分第5節列明的情況除外
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$120,000 per Policy Year Non-network: 每保單年度$100,000
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (k) 入院前或出院後／日間手術前後的門診護理	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 Non-network: 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
(l) Psychiatric treatments (l) 精神科治療	$38,000 per Policy Year Non-network: 每保單年度$34,500
Extra Benefits
Outpatient kidney dialysis 長期治療賠償 - 腎臟透析	$120,000 per Policy Year Non-network: 每保單年度$100,000
Daily post-surgery home nursing benefit 手術後家中每日看護費用賠償	$848 per visit, $16,320 per Policy Year Non-network: 每次$704 每保單年度$13,600
Emergency outpatient treatment for Accident 急症門診治療費用賠償（只限意外）	$13,200 maximum per Injury within 24 hours of the Accident Non-network: $11,000 每次受傷之最高賠償額
Hospital companion bed fee reimbursement 住院陪床惠益	$640 per day, maximum 90 days per Policy Year Non-network: 每日$280 每保單年度最多90日
Daily post-surgery home nursing benefit 手術後家中每日看護費用賠償	$848 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital Non-network: 每次$704 出院後31日內，第16次至第31次，限每日一次
Personal medical case management services 個人療程管理服務	Applicable
Cash Benefits
Second-claim cash allowanceAfter other pays 優化賠償津貼惠益	$600 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 身故恩恤賠償	$17,600
Accidental Death benefit 意外死亡賠償	$17,600
Compassionate death benefit (blood donor) 捐血恩恤惠益(身故賠償)	$8,800
Medical accident and incident extension benefit 醫療意外事故惠益	$176,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,400 per day
Non-network: 每日$2,200 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
$22,500 per Policy Year
Non-network: 每保單年度$21,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,400 per day
Non-network: 每日$2,200 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
$5,400 per Policy Year
Non-network: 每保單年度$5,000
(e) Intensive care
(e) 深切治療
$7,400 per day
Non-network: 每日$6,160 每保單年度最多25日
Surgeon's fee — Minor
外科醫生費 — 小型
$8,600
Non-network: $7,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$25,800
Non-network: $22,500
Surgeon's fee — Major
外科醫生費 — 大型
$43,000
Non-network: $37,500
Surgeon's fee — Complex
外科醫生費 — 複雜
$86,000
Non-network: $75,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
Non-network: 外科醫生費賠償額的35%
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
Non-network: 外科醫生費賠償額的35%
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$33,000 per Policy Year
Non-network: 每保單年度$30,000 設30%共同保險，於條款及保障中第六部分第5節列明的情況除外
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$120,000 per Policy Year
Non-network: 每保單年度$100,000
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(k) 入院前或出院後／日間手術前後的門診護理
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
Non-network: 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
(l) Psychiatric treatments
(l) 精神科治療
$38,000 per Policy Year
Non-network: 每保單年度$34,500

Extra Benefits

Outpatient kidney dialysis
長期治療賠償 - 腎臟透析
$120,000 per Policy Year
Non-network: 每保單年度$100,000
Daily post-surgery home nursing benefit
手術後家中每日看護費用賠償
$848 per visit, $16,320 per Policy Year
Non-network: 每次$704 每保單年度$13,600
Emergency outpatient treatment for Accident
急症門診治療費用賠償（只限意外）
$13,200 maximum per Injury within 24 hours of the Accident
Non-network: $11,000 每次受傷之最高賠償額
Hospital companion bed fee reimbursement
住院陪床惠益
$640 per day, maximum 90 days per Policy Year
Non-network: 每日$280 每保單年度最多90日
Daily post-surgery home nursing benefit
手術後家中每日看護費用賠償
$848 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital
Non-network: 每次$704 出院後31日內，第16次至第31次，限每日一次
Personal medical case management services
個人療程管理服務
Applicable

Cash Benefits

Second-claim cash allowanceAfter other pays
優化賠償津貼惠益
$600 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
身故恩恤賠償
$17,600
Accidental Death benefit
意外死亡賠償
$17,600
Compassionate death benefit (blood donor)
捐血恩恤惠益(身故賠償)
$8,800
Medical accident and incident extension benefit
醫療意外事故惠益
$176,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
3 yrs	5%
4 yrs	10%
5 yrs	15%

Verbatim clause

無索償折扣批註此批註附加於及構成 AIA 自願醫保靈活計劃的一部份。本文的條款所列的保障被視為補充條款及保障，並受以下條款及細則約束。無索償折扣 (a) 若保單及此批註一直生效並受保單的條款及細則約束，本公司於相關續保日前的無索償年度（如下定義）不曾就本條款及保障對任何保障作出賠償，在保單第三(3)個及隨後的每個續保日，保單持有人將獲得及累積無索償折扣（「無索償折扣」），用作扣除相關保單年度應付保費。就此文而言，本公司對任何保障作出的賠償將會撥入衍生相關費用的保單年度。就累積無索償折扣的目的而言，任何於其他保障批註丙部分第3(c)節已付的賠償(及有關於保單下已付的相關賠償)、其他保障批註丙部分第3(h)節已提供的保障，及於其他保障批註丙部分第2節由網絡註冊醫生進行的任何日間手術，均不會影響獲得及累積於下文第(b)節中定義的無索償折扣。 (b) 在符合上述第(a)節的情況下，下一個保單年度的應付保費，應按相關續保日前的一個保單年度就保單所繳交到期及應付總保費的金額乘以一個根據保單持有人連續累積的無索償保單年度數目（「無索償年度」）得出的無索償折扣作出扣減。 (c) 無索償年度及適用之無索償折扣如下：無索償年度無索償折扣三(3) 五(5)% 四(4) 十(10)% 五(5) 或以上十五(15)% 為免生疑問，若保單持有人於相關續保日前已累積多於三(3)個無索償年度，仍只會以一(1)個（10%或15%，視乎情況而定）無索償折扣用作計算適用保單年度的保費折扣，而不會合計無索償折扣。 (d) 在保單的第三十(30)個續保日及隨後的每個續保日，若受保人已年滿六十五(65)歲或以上，在第(c)節所指的五(5)個或以上無索償年度適用之無索償折扣為25%。第(c)節所指的三(3)及四(4)個無索償年度的無索償折扣將會維持不變。為免生疑問，(i) 若保單持有人於此(d)節所指的相關續保日前已累積多於三(3)個無索償年度，仍只會以一(1)個（10%或 25%，視乎情況而定）無索償折扣用作計算適用保單年度的保費折扣，而不會合計無索償折扣; 及(ii) 除此(d)節所說明外，第(a) 、(b) 及(c)節將會維持不變。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00022/F00022-01-000-03-PlanDoc-c.pdf

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$11,390	HK$8,814
1	HK$11,390	HK$8,814
2	HK$11,390	HK$8,814
3	HK$11,390	HK$8,814
4	HK$11,390	HK$8,814
5	HK$6,544	HK$6,033
6	HK$6,544	HK$6,033
7	HK$6,544	HK$6,033
8	HK$6,544	HK$6,033
9	HK$6,544	HK$6,033
10	HK$6,202	HK$5,771
11	HK$6,202	HK$5,771
12	HK$6,202	HK$5,771
13	HK$6,202	HK$5,771
14	HK$6,202	HK$5,771
15	HK$6,202	HK$5,774
16	HK$6,715	HK$6,190
17	HK$6,959	HK$6,581
18	HK$7,272	HK$6,919
19	HK$7,667	HK$7,014
20	HK$7,667	HK$7,014
21	HK$7,800	HK$7,610
22	HK$7,814	HK$7,955
23	HK$7,828	HK$8,378
24	HK$8,070	HK$8,728
25	HK$8,310	HK$9,163
26	HK$8,494	HK$9,351
27	HK$8,849	HK$9,553
28	HK$9,029	HK$9,863
29	HK$9,283	HK$10,114
30	HK$9,453	HK$10,474
31	HK$9,631	HK$10,696
32	HK$9,779	HK$11,064
33	HK$10,011	HK$11,481
34	HK$10,227	HK$12,106
35	HK$10,590	HK$12,734
36	HK$10,807	HK$13,310
37	HK$11,203	HK$13,736
38	HK$11,534	HK$14,132
39	HK$12,030	HK$14,670
40	HK$12,745	HK$15,374
41	HK$13,338	HK$16,239
42	HK$13,933	HK$16,901
43	HK$14,761	HK$17,577
44	HK$15,522	HK$18,452
45	HK$16,350	HK$19,042
46	HK$17,044	HK$19,766
47	HK$17,673	HK$19,986
48	HK$18,336	HK$20,484
49	HK$19,030	HK$20,579
50	HK$20,628	HK$21,634
51	HK$21,661	HK$22,113
52	HK$22,598	HK$22,295
53	HK$23,295	HK$22,338
54	HK$24,340	HK$22,648
55	HK$25,292	HK$22,778
56	HK$26,813	HK$23,859
57	HK$28,529	HK$24,923
58	HK$30,229	HK$26,035
59	HK$32,043	HK$27,406
60	HK$33,960	HK$29,149
61	HK$35,982	HK$31,182
62	HK$38,219	HK$33,129
63	HK$40,826	HK$35,489
64	HK$42,824	HK$37,182
65	HK$46,152	HK$39,824
66	HK$48,303	HK$41,806
67	HK$50,676	HK$44,388
68	HK$53,276	HK$46,680
69	HK$56,429	HK$49,344
70	HK$59,827	HK$52,326
71	HK$64,275	HK$56,127
72	HK$68,438	HK$59,767
73	HK$72,947	HK$63,718
74	HK$77,651	HK$67,750
75	HK$83,657	HK$72,169
76	HK$87,074	HK$75,157
77	HK$89,636	HK$77,472
78	HK$93,271	HK$80,654
79	HK$97,119	HK$83,986
80	HK$101,306	HK$87,246
81	HK$104,654	HK$90,016
82	HK$108,507	HK$92,730
83	HK$113,695	HK$96,529
84	HK$117,854	HK$99,397
85	HK$125,034	HK$105,538
86	HK$128,121	HK$109,236
87	HK$131,226	HK$111,875
88	HK$134,333	HK$114,658
89	HK$137,582	HK$117,278
90	HK$142,109	HK$121,291
91	HK$144,048	HK$122,815
92	HK$146,080	HK$124,682
93	HK$148,057	HK$126,315
94	HK$150,159	HK$128,038
95	HK$152,190	HK$129,833
96	HK$154,185	HK$131,501
97	HK$156,270	HK$133,332
98	HK$158,320	HK$135,145
99	HK$160,495	HK$136,886

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

Ward (HKD)

View details →

Semi-private (HKD)

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Standard Private (HKD)

View details →

Ward (USD)

View details →

Semi-private (USD)

View details →

Standard Private (USD)

View details →

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jul 15, 2026
Last verified: 2026-07-18