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VHIS Flexi · F00022-04-000-03
AIA Voluntary Health Insurance Flexi Scheme - Ward (USD)
AIA自願醫保靈活計劃 - 普通房 (美元)
Your premium
US$616 /yr
age
US$Ward class
Ward
Coverage region
Worldwide
Deductible
—
Annual benefit limit
—
Per-illness annual limit
—
Lifetime benefit limit
—
SMM Supplemental Major Medical
- Network：US$117,750／per policy year / per disability, 15% coinsurance
- Non-network：US$98,125／per policy year / per disability, 20% coinsurance
Coverage Tiers & Conditions
This plan applies tiered caps or conditional rules on selected benefits
SMM
- Network：US$117,750／per policy year / per disability, 15% coinsurance
- Non-network：US$98,125／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 | $138 per day Non-network: 每日$125 每保單年度最多180日 |
(b) Miscellaneous charges (b) 雜項開支 | $1,975 per Policy Year Non-network: 每保單年度$1,840 |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | $138 per day Non-network: 每日$125 每保單年度最多180日 |
(d) Specialist's fee (d) 專科醫生費 | $605 per Policy Year Non-network: 每保單年度$565 |
(e) Intensive care (e) 深切治療 | $560 per day Non-network: 每日$468 每保單年度最多25日 |
Surgeon's fee — Minor 外科醫生費 — 小型 | $724 Non-network: $658 |
Surgeon's fee — Intermediate 外科醫生費 — 中型 | $1,810 Non-network: $1,645 |
Surgeon's fee — Major 外科醫生費 — 大型 | $3,620 Non-network: $3,290 |
Surgeon's fee — Complex 外科醫生費 — 複雜 | $7,240 Non-network: $6,580 |
(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 | $2,895 per Policy Year Non-network: 每保單年度$2,630 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 | $12,630 per Policy Year Non-network: 每保單年度$10,525 |
(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$447 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: US$112 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$112 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): US$84 per visit Non-network: 每保單年度最多 US$395• 入院前/日間手術前急症診症：每次 US$76，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$76- 其他跟進門診（物理/職業/言語/脊椎）：每次 US$76 |
(l) Psychiatric treatments (l) 精神科治療 | $4,340 per Policy Year Non-network: 每保單年度$3,945 |
| Extra Benefits | |
Outpatient kidney dialysis 長期治療賠償 - 腎臟透析 | $7,500 per Policy Year Non-network: 每保單年度$6,250 |
Daily post-surgery home nursing benefit 手術後家中每日看護費用賠償 | $53 per visit, $1,035 per Policy Year Non-network: 每次$44 每保單年度$863 |
Emergency outpatient treatment for Accident 急症門診治療費用賠償（只限意外） | $990 maximum per Injury within 24 hours of the Accident Non-network: $825 每次受傷之最高賠償額 |
Hospital companion bed fee reimbursement 住院陪床惠益 | $40 per day, maximum 90 days per Policy Year Non-network: 每日$23 每保單年度最多90日 |
Supplementary Major Medical Benefit 額外醫療保障 | $15,000 per Disability per Policy Year Non-network: 每保單年度每傷病$12,500 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 | $53 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital Non-network: 每次$44 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 | $38 per day, maximum 90 days per Policy Year |
| Event Benefits | |
Compassionate death benefit 身故恩恤賠償 | $1,100 |
Accidental Death benefit 意外死亡賠償 | $1,100 |
Compassionate death benefit (blood donor) 捐血恩恤惠益(身故賠償) | $550 |
Medical accident and incident extension benefit 醫療意外事故惠益 | $11,000 |
Basic Benefits
- (a) Room and board(a) 病房及膳食$138 per dayNon-network: 每日$125 每保單年度最多180日
- (b) Miscellaneous charges(b) 雜項開支$1,975 per Policy YearNon-network: 每保單年度$1,840
- (c) Attending doctor's visit fee(c) 主診醫生巡房費$138 per dayNon-network: 每日$125 每保單年度最多180日
- (d) Specialist's fee(d) 專科醫生費$605 per Policy YearNon-network: 每保單年度$565
- (e) Intensive care(e) 深切治療$560 per dayNon-network: 每日$468 每保單年度最多25日
- Surgeon's fee — Minor外科醫生費 — 小型$724Non-network: $658
- Surgeon's fee — Intermediate外科醫生費 — 中型$1,810Non-network: $1,645
- Surgeon's fee — Major外科醫生費 — 大型$3,620Non-network: $3,290
- Surgeon's fee — Complex外科醫生費 — 複雜$7,240Non-network: $6,580
- (g) Anaesthetist's fee(g) 麻醉科醫生費35% of Surgeon's fee payableNon-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 payableNon-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$2,895 per Policy YearNon-network: 每保單年度$2,630 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$12,630 per Policy YearNon-network: 每保單年度$10,525
- (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$447 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: US$112 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$112 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): US$84 per visitNon-network: 每保單年度最多 US$395• 入院前/日間手術前急症診症：每次 US$76，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$76- 其他跟進門診（物理/職業/言語/脊椎）：每次 US$76
- (l) Psychiatric treatments(l) 精神科治療$4,340 per Policy YearNon-network: 每保單年度$3,945
Extra Benefits
- Outpatient kidney dialysis長期治療賠償 - 腎臟透析$7,500 per Policy YearNon-network: 每保單年度$6,250
- Daily post-surgery home nursing benefit手術後家中每日看護費用賠償$53 per visit, $1,035 per Policy YearNon-network: 每次$44 每保單年度$863
- Emergency outpatient treatment for Accident急症門診治療費用賠償（只限意外）$990 maximum per Injury within 24 hours of the AccidentNon-network: $825 每次受傷之最高賠償額
- Hospital companion bed fee reimbursement住院陪床惠益$40 per day, maximum 90 days per Policy YearNon-network: 每日$23 每保單年度最多90日
- Supplementary Major Medical Benefit額外醫療保障$15,000 per Disability per Policy YearNon-network: 每保單年度每傷病$12,500 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$53 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from HospitalNon-network: 每次$44 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$38 per day, maximum 90 days per Policy Year
Event Benefits
- Compassionate death benefit身故恩恤賠償$1,100
- Accidental Death benefit意外死亡賠償$1,100
- Compassionate death benefit (blood donor)捐血恩恤惠益(身故賠償)$550
- Medical accident and incident extension benefit醫療意外事故惠益$11,000
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
Other deductible options in this series
6 deductibles — same benefit schedule, premium scales with deductible
- 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.