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VHIS Flexi · F00022-05-000-03

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

AIA自願醫保靈活計劃 - 半私家房 (美元)

AIA International Limited

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Your premium

US$1,136 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

Network：US$235,500／per policy year / per disability, 15% coinsurance
Non-network：US$196,250／per policy year / per disability, 20% coinsurance

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

SMM

Network：US$235,500／per policy year / per disability, 15% coinsurance
Non-network：US$196,250／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	$300 per day Non-network: 每日$275 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	$2,813 per Policy Year Non-network: 每保單年度$2,625
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$300 per day Non-network: 每日$275 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	$675 per Policy Year Non-network: 每保單年度$625
(e) Intensive care (e) 深切治療	$925 per day Non-network: 每日$770 每保單年度最多25日
Surgeon's fee — Minor 外科醫生費 — 小型	$1,075 Non-network: $938
Surgeon's fee — Intermediate 外科醫生費 — 中型	$3,225 Non-network: $2,813
Surgeon's fee — Major 外科醫生費 — 大型	$5,375 Non-network: $4,688
Surgeon's fee — Complex 外科醫生費 — 複雜	$10,750 Non-network: $9,375
(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	$4,125 per Policy Year Non-network: 每保單年度$3,750 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	$15,000 per Policy Year Non-network: 每保單年度$12,500
(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 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 Non-network: 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) Psychiatric treatments (l) 精神科治療	$4,750 per Policy Year Non-network: 每保單年度$4,313
Extra Benefits
Outpatient kidney dialysis 長期治療賠償 - 腎臟透析	$15,000 per Policy Year Non-network: 每保單年度$12,500
Daily post-surgery home nursing benefit 手術後家中每日看護費用賠償	$106 per visit, $2,040 per Policy Year Non-network: 每次$88 每保單年度$1,700
Emergency outpatient treatment for Accident 急症門診治療費用賠償（只限意外）	$1,650 maximum per Injury within 24 hours of the Accident Non-network: $1,375 每次受傷之最高賠償額
Hospital companion bed fee reimbursement 住院陪床惠益	$80 per day, maximum 90 days per Policy Year Non-network: 每日$35 每保單年度最多90日
Supplementary Major Medical Benefit 額外醫療保障	$30,000 per Disability per Policy Year Non-network: 每保單年度每傷病$25,000 設20%共同保險
Daily post-surgery home nursing benefit 手術後家中每日看護費用賠償	$106 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital Non-network: 每次$88 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	$75 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 身故恩恤賠償	$2,200
Accidental Death benefit 意外死亡賠償	$2,200
Compassionate death benefit (blood donor) 捐血恩恤惠益(身故賠償)	$1,100
Medical accident and incident extension benefit 醫療意外事故惠益	$22,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$300 per day
Non-network: 每日$275 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
$2,813 per Policy Year
Non-network: 每保單年度$2,625
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$300 per day
Non-network: 每日$275 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
$675 per Policy Year
Non-network: 每保單年度$625
(e) Intensive care
(e) 深切治療
$925 per day
Non-network: 每日$770 每保單年度最多25日
Surgeon's fee — Minor
外科醫生費 — 小型
$1,075
Non-network: $938
Surgeon's fee — Intermediate
外科醫生費 — 中型
$3,225
Non-network: $2,813
Surgeon's fee — Major
外科醫生費 — 大型
$5,375
Non-network: $4,688
Surgeon's fee — Complex
外科醫生費 — 複雜
$10,750
Non-network: $9,375
(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
$4,125 per Policy Year
Non-network: 每保單年度$3,750 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
$15,000 per Policy Year
Non-network: 每保單年度$12,500
(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 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
Non-network: 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) Psychiatric treatments
(l) 精神科治療
$4,750 per Policy Year
Non-network: 每保單年度$4,313

Extra Benefits

Outpatient kidney dialysis
長期治療賠償 - 腎臟透析
$15,000 per Policy Year
Non-network: 每保單年度$12,500
Daily post-surgery home nursing benefit
手術後家中每日看護費用賠償
$106 per visit, $2,040 per Policy Year
Non-network: 每次$88 每保單年度$1,700
Emergency outpatient treatment for Accident
急症門診治療費用賠償（只限意外）
$1,650 maximum per Injury within 24 hours of the Accident
Non-network: $1,375 每次受傷之最高賠償額
Hospital companion bed fee reimbursement
住院陪床惠益
$80 per day, maximum 90 days per Policy Year
Non-network: 每日$35 每保單年度最多90日
Supplementary Major Medical Benefit
額外醫療保障
$30,000 per Disability per Policy Year
Non-network: 每保單年度每傷病$25,000 設20%共同保險
Daily post-surgery home nursing benefit
手術後家中每日看護費用賠償
$106 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital
Non-network: 每次$88 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
$75 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
身故恩恤賠償
$2,200
Accidental Death benefit
意外死亡賠償
$2,200
Compassionate death benefit (blood donor)
捐血恩恤惠益(身故賠償)
$1,100
Medical accident and incident extension benefit
醫療意外事故惠益
$22,000

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) · USD

Age	Male	Female
0	US$1,369	US$1,059
1	US$1,369	US$1,059
2	US$1,369	US$1,059
3	US$1,369	US$1,059
4	US$1,369	US$1,059
5	US$786	US$725
6	US$786	US$725
7	US$786	US$725
8	US$786	US$725
9	US$786	US$725
10	US$746	US$694
11	US$746	US$694
12	US$746	US$694
13	US$746	US$694
14	US$746	US$694
15	US$746	US$694
16	US$807	US$744
17	US$836	US$791
18	US$874	US$832
19	US$922	US$843
20	US$922	US$843
21	US$938	US$915
22	US$939	US$956
23	US$941	US$1,007
24	US$970	US$1,049
25	US$999	US$1,101
26	US$1,021	US$1,124
27	US$1,064	US$1,148
28	US$1,085	US$1,186
29	US$1,116	US$1,216
30	US$1,136	US$1,259
31	US$1,158	US$1,286
32	US$1,175	US$1,330
33	US$1,203	US$1,380
34	US$1,229	US$1,455
35	US$1,273	US$1,530
36	US$1,299	US$1,600
37	US$1,346	US$1,651
38	US$1,386	US$1,699
39	US$1,446	US$1,763
40	US$1,532	US$1,848
41	US$1,603	US$1,952
42	US$1,675	US$2,031
43	US$1,774	US$2,113
44	US$1,866	US$2,218
45	US$1,965	US$2,289
46	US$2,049	US$2,376
47	US$2,124	US$2,402
48	US$2,204	US$2,462
49	US$2,287	US$2,474
50	US$2,479	US$2,600
51	US$2,604	US$2,658
52	US$2,716	US$2,680
53	US$2,800	US$2,685
54	US$2,926	US$2,722
55	US$3,040	US$2,738
56	US$3,223	US$2,868
57	US$3,429	US$2,996
58	US$3,633	US$3,129
59	US$3,851	US$3,294
60	US$4,082	US$3,504
61	US$4,325	US$3,748
62	US$4,594	US$3,982
63	US$4,907	US$4,266
64	US$5,147	US$4,469
65	US$5,547	US$4,786
66	US$5,806	US$5,025
67	US$6,091	US$5,335
68	US$6,403	US$5,611
69	US$6,782	US$5,931
70	US$7,191	US$6,289
71	US$7,725	US$6,746
72	US$8,226	US$7,184
73	US$8,768	US$7,658
74	US$9,333	US$8,143
75	US$10,055	US$8,674
76	US$10,466	US$9,033
77	US$10,774	US$9,312
78	US$11,210	US$9,694
79	US$11,673	US$10,094
80	US$12,176	US$10,486
81	US$12,579	US$10,819
82	US$13,042	US$11,146
83	US$13,665	US$11,602
84	US$14,165	US$11,947
85	US$15,028	US$12,685
86	US$15,399	US$13,129
87	US$15,772	US$13,446
88	US$16,146	US$13,781
89	US$16,536	US$14,096
90	US$17,080	US$14,578
91	US$17,314	US$14,761
92	US$17,558	US$14,986
93	US$17,795	US$15,182
94	US$18,048	US$15,389
95	US$18,292	US$15,605
96	US$18,532	US$15,805
97	US$18,782	US$16,026
98	US$19,029	US$16,243
99	US$19,290	US$16,453

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

Ward (HKD)

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Semi-private (HKD)

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Standard Private (HKD)

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Ward (USD)

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Semi-private (USD)

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Standard Private (USD)

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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jul 15, 2025
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.