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VHIS Flexi · F00022-01-000-03

AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD)

AIA自願醫保靈活計劃 - 普通房 (港元)

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

Your premium

HK$5,075 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

Network：HK$120,000／per policy year / per disability, 15% coinsurance
Non-network：HK$100,000／per policy year / per disability, 20% coinsurance

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

SMM

Network：HK$120,000／per policy year / per disability, 15% coinsurance
Non-network：HK$100,000／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	$1,100 per day Non-network: 每日$1,000 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	$15,000 per Policy Year Non-network: 每保單年度$14,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,100 per day Non-network: 每日$1,000 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	$4,600 per Policy Year Non-network: 每保單年度$4,300
(e) Intensive care (e) 深切治療	$4,480 per day Non-network: 每日$3,740 每保單年度最多25日
Surgeon's fee — Minor 外科醫生費 — 小型	$5,500 Non-network: $5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$13,750 Non-network: $12,500
Surgeon's fee — Major 外科醫生費 — 大型	$27,500 Non-network: $25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$55,000 Non-network: $50,000
(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	$22,000 per Policy Year Non-network: 每保單年度$20,000 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	$96,000 per Policy Year Non-network: 每保單年度$80,000
(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 $3,400 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: $848 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: $848 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): $640 per visit Non-network: 每保單年度最多 $3,000• 入院前/日間手術前急症診症：每次 $580，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 $580- 其他跟進門診（物理/職業/言語/脊椎）：每次 $580
(l) Psychiatric treatments (l) 精神科治療	$33,000 per Policy Year Non-network: 每保單年度$30,000
Extra Benefits
Outpatient kidney dialysis 長期治療賠償 - 腎臟透析	$60,000 per Policy Year Non-network: 每保單年度$50,000
Daily post-surgery home nursing benefit 手術後家中每日看護費用賠償	$424 per visit, $8,280 per Policy Year Non-network: 每次$353 每保單年度$6,900
Emergency outpatient treatment for Accident 急症門診治療費用賠償（只限意外）	$7,920 maximum per Injury within 24 hours of the Accident Non-network: $6,600 每次受傷之最高賠償額
Hospital companion bed fee reimbursement 住院陪床惠益	$320 per day, maximum 90 days per Policy Year Non-network: 每日$180 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	$424 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital Non-network: 每次$353 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	$300 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 身故恩恤賠償	$8,800
Accidental Death benefit 意外死亡賠償	$8,800
Compassionate death benefit (blood donor) 捐血恩恤惠益(身故賠償)	$4,400
Medical accident and incident extension benefit 醫療意外事故惠益	$88,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,100 per day
Non-network: 每日$1,000 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
$15,000 per Policy Year
Non-network: 每保單年度$14,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,100 per day
Non-network: 每日$1,000 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
$4,600 per Policy Year
Non-network: 每保單年度$4,300
(e) Intensive care
(e) 深切治療
$4,480 per day
Non-network: 每日$3,740 每保單年度最多25日
Surgeon's fee — Minor
外科醫生費 — 小型
$5,500
Non-network: $5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$13,750
Non-network: $12,500
Surgeon's fee — Major
外科醫生費 — 大型
$27,500
Non-network: $25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$55,000
Non-network: $50,000
(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
$22,000 per Policy Year
Non-network: 每保單年度$20,000 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
$96,000 per Policy Year
Non-network: 每保單年度$80,000
(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 $3,400 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: $848 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: $848 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): $640 per visit
Non-network: 每保單年度最多 $3,000• 入院前/日間手術前急症診症：每次 $580，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 $580- 其他跟進門診（物理/職業/言語/脊椎）：每次 $580
(l) Psychiatric treatments
(l) 精神科治療
$33,000 per Policy Year
Non-network: 每保單年度$30,000

Extra Benefits

Outpatient kidney dialysis
長期治療賠償 - 腎臟透析
$60,000 per Policy Year
Non-network: 每保單年度$50,000
Daily post-surgery home nursing benefit
手術後家中每日看護費用賠償
$424 per visit, $8,280 per Policy Year
Non-network: 每次$353 每保單年度$6,900
Emergency outpatient treatment for Accident
急症門診治療費用賠償（只限意外）
$7,920 maximum per Injury within 24 hours of the Accident
Non-network: $6,600 每次受傷之最高賠償額
Hospital companion bed fee reimbursement
住院陪床惠益
$320 per day, maximum 90 days per Policy Year
Non-network: 每日$180 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
$424 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital
Non-network: 每次$353 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
$300 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
身故恩恤賠償
$8,800
Accidental Death benefit
意外死亡賠償
$8,800
Compassionate death benefit (blood donor)
捐血恩恤惠益(身故賠償)
$4,400
Medical accident and incident extension benefit
醫療意外事故惠益
$88,000

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$6,090	HK$4,714
1	HK$6,090	HK$4,714
2	HK$6,090	HK$4,714
3	HK$6,090	HK$4,714
4	HK$6,090	HK$4,714
5	HK$3,614	HK$3,600
6	HK$3,614	HK$3,600
7	HK$3,614	HK$3,600
8	HK$3,614	HK$3,600
9	HK$3,614	HK$3,600
10	HK$3,426	HK$3,444
11	HK$3,426	HK$3,444
12	HK$3,426	HK$3,444
13	HK$3,426	HK$3,444
14	HK$3,426	HK$3,444
15	HK$3,426	HK$3,446
16	HK$3,663	HK$3,699
17	HK$3,892	HK$3,895
18	HK$4,046	HK$4,040
19	HK$4,132	HK$4,217
20	HK$4,132	HK$4,217
21	HK$4,309	HK$4,549
22	HK$4,355	HK$4,816
23	HK$4,403	HK$4,997
24	HK$4,419	HK$5,198
25	HK$4,572	HK$5,354
26	HK$4,660	HK$5,416
27	HK$4,798	HK$5,654
28	HK$4,906	HK$5,852
29	HK$4,967	HK$6,045
30	HK$5,075	HK$6,296
31	HK$5,162	HK$6,414
32	HK$5,250	HK$6,661
33	HK$5,340	HK$6,894
34	HK$5,456	HK$7,133
35	HK$5,622	HK$7,373
36	HK$5,848	HK$7,710
37	HK$6,057	HK$8,035
38	HK$6,228	HK$8,411
39	HK$6,482	HK$8,826
40	HK$6,810	HK$9,491
41	HK$7,168	HK$10,190
42	HK$7,545	HK$10,795
43	HK$7,987	HK$11,137
44	HK$8,326	HK$11,396
45	HK$8,646	HK$11,586
46	HK$8,985	HK$11,834
47	HK$9,293	HK$12,014
48	HK$9,732	HK$12,282
49	HK$10,154	HK$12,530
50	HK$10,979	HK$13,142
51	HK$11,612	HK$13,341
52	HK$12,085	HK$13,394
53	HK$12,633	HK$13,568
54	HK$13,213	HK$13,694
55	HK$13,836	HK$14,031
56	HK$14,702	HK$14,401
57	HK$15,433	HK$14,785
58	HK$16,196	HK$15,334
59	HK$17,027	HK$15,938
60	HK$18,177	HK$16,702
61	HK$19,460	HK$17,746
62	HK$20,704	HK$18,777
63	HK$21,959	HK$20,030
64	HK$23,051	HK$21,090
65	HK$24,604	HK$22,821
66	HK$25,985	HK$23,906
67	HK$27,374	HK$25,138
68	HK$28,776	HK$26,380
69	HK$30,235	HK$27,669
70	HK$32,053	HK$29,330
71	HK$34,171	HK$31,195
72	HK$36,289	HK$33,060
73	HK$38,405	HK$34,925
74	HK$40,522	HK$36,790
75	HK$43,018	HK$38,997
76	HK$45,154	HK$40,878
77	HK$47,288	HK$42,759
78	HK$49,425	HK$44,641
79	HK$51,561	HK$46,523
80	HK$54,167	HK$48,830
81	HK$56,322	HK$50,726
82	HK$58,476	HK$52,625
83	HK$60,631	HK$54,522
84	HK$62,787	HK$56,422
85	HK$64,942	HK$58,318
86	HK$67,096	HK$60,216
87	HK$69,250	HK$62,115
88	HK$71,406	HK$64,014
89	HK$73,561	HK$65,910
90	HK$75,714	HK$67,809
91	HK$76,766	HK$68,750
92	HK$77,809	HK$69,685
93	HK$78,878	HK$70,629
94	HK$79,922	HK$71,607
95	HK$81,028	HK$72,559
96	HK$82,070	HK$73,511
97	HK$83,230	HK$74,509
98	HK$84,309	HK$75,461
99	HK$85,425	HK$76,449

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

Ward (HKD)

Current page

Semi-private (HKD)

View details →

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