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

US$1,182 /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：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$1,424	US$1,102
1	US$1,424	US$1,102
2	US$1,424	US$1,102
3	US$1,424	US$1,102
4	US$1,424	US$1,102
5	US$818	US$754
6	US$818	US$754
7	US$818	US$754
8	US$818	US$754
9	US$818	US$754
10	US$775	US$721
11	US$775	US$721
12	US$775	US$721
13	US$775	US$721
14	US$775	US$721
15	US$775	US$722
16	US$839	US$774
17	US$870	US$823
18	US$909	US$865
19	US$958	US$877
20	US$958	US$877
21	US$975	US$951
22	US$977	US$994
23	US$978	US$1,047
24	US$1,009	US$1,091
25	US$1,039	US$1,145
26	US$1,062	US$1,169
27	US$1,106	US$1,194
28	US$1,129	US$1,233
29	US$1,160	US$1,264
30	US$1,182	US$1,309
31	US$1,204	US$1,337
32	US$1,222	US$1,383
33	US$1,251	US$1,435
34	US$1,278	US$1,513
35	US$1,324	US$1,592
36	US$1,351	US$1,664
37	US$1,400	US$1,717
38	US$1,442	US$1,766
39	US$1,504	US$1,834
40	US$1,593	US$1,922
41	US$1,667	US$2,030
42	US$1,742	US$2,113
43	US$1,845	US$2,197
44	US$1,940	US$2,306
45	US$2,044	US$2,380
46	US$2,130	US$2,471
47	US$2,209	US$2,498
48	US$2,292	US$2,560
49	US$2,379	US$2,572
50	US$2,578	US$2,704
51	US$2,708	US$2,764
52	US$2,825	US$2,787
53	US$2,912	US$2,792
54	US$3,042	US$2,831
55	US$3,162	US$2,847
56	US$3,352	US$2,982
57	US$3,566	US$3,115
58	US$3,779	US$3,254
59	US$4,005	US$3,426
60	US$4,245	US$3,644
61	US$4,498	US$3,898
62	US$4,777	US$4,141
63	US$5,103	US$4,436
64	US$5,353	US$4,648
65	US$5,769	US$4,978
66	US$6,038	US$5,226
67	US$6,334	US$5,548
68	US$6,660	US$5,835
69	US$7,054	US$6,168
70	US$7,478	US$6,541
71	US$8,034	US$7,016
72	US$8,555	US$7,471
73	US$9,118	US$7,965
74	US$9,706	US$8,469
75	US$10,457	US$9,021
76	US$10,884	US$9,395
77	US$11,204	US$9,684
78	US$11,659	US$10,082
79	US$12,140	US$10,498
80	US$12,663	US$10,906
81	US$13,082	US$11,252
82	US$13,563	US$11,591
83	US$14,212	US$12,066
84	US$14,732	US$12,425
85	US$15,629	US$13,192
86	US$16,015	US$13,654
87	US$16,403	US$13,984
88	US$16,792	US$14,332
89	US$17,198	US$14,660
90	US$17,764	US$15,161
91	US$18,006	US$15,352
92	US$18,260	US$15,585
93	US$18,507	US$15,789
94	US$18,770	US$16,005
95	US$19,024	US$16,229
96	US$19,273	US$16,438
97	US$19,534	US$16,666
98	US$19,790	US$16,893
99	US$20,062	US$17,111

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

Ward (HKD)

View details →

Semi-private (HKD)

View details →

Standard Private (HKD)

View details →

Ward (USD)

View details →

Semi-private (USD)

Current page

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