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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)

AIA Voluntary Health Insurance Flexi Scheme - Ward (USD) 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

US$641 /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：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 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

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$769	US$595
1	US$769	US$595
2	US$769	US$595
3	US$769	US$595
4	US$769	US$595
5	US$456	US$454
6	US$456	US$454
7	US$456	US$454
8	US$456	US$454
9	US$456	US$454
10	US$432	US$435
11	US$432	US$435
12	US$432	US$435
13	US$432	US$435
14	US$432	US$435
15	US$432	US$435
16	US$462	US$467
17	US$491	US$492
18	US$511	US$510
19	US$522	US$532
20	US$522	US$532
21	US$544	US$574
22	US$550	US$608
23	US$556	US$631
24	US$558	US$656
25	US$577	US$676
26	US$588	US$684
27	US$606	US$714
28	US$619	US$739
29	US$627	US$763
30	US$641	US$795
31	US$652	US$810
32	US$663	US$841
33	US$674	US$870
34	US$689	US$900
35	US$710	US$931
36	US$738	US$973
37	US$765	US$1,014
38	US$786	US$1,062
39	US$818	US$1,114
40	US$860	US$1,198
41	US$905	US$1,287
42	US$953	US$1,363
43	US$1,008	US$1,406
44	US$1,051	US$1,439
45	US$1,092	US$1,463
46	US$1,134	US$1,494
47	US$1,173	US$1,517
48	US$1,229	US$1,550
49	US$1,282	US$1,582
50	US$1,386	US$1,659
51	US$1,466	US$1,684
52	US$1,526	US$1,691
53	US$1,595	US$1,713
54	US$1,668	US$1,729
55	US$1,747	US$1,771
56	US$1,856	US$1,818
57	US$1,948	US$1,867
58	US$2,045	US$1,936
59	US$2,150	US$2,012
60	US$2,295	US$2,108
61	US$2,457	US$2,240
62	US$2,614	US$2,370
63	US$2,772	US$2,529
64	US$2,910	US$2,663
65	US$3,106	US$2,881
66	US$3,281	US$3,018
67	US$3,456	US$3,174
68	US$3,633	US$3,330
69	US$3,817	US$3,493
70	US$4,047	US$3,703
71	US$4,314	US$3,938
72	US$4,582	US$4,174
73	US$4,849	US$4,409
74	US$5,116	US$4,645
75	US$5,431	US$4,923
76	US$5,701	US$5,161
77	US$5,970	US$5,398
78	US$6,240	US$5,636
79	US$6,510	US$5,874
80	US$6,839	US$6,165
81	US$7,111	US$6,404
82	US$7,383	US$6,644
83	US$7,655	US$6,884
84	US$7,927	US$7,123
85	US$8,199	US$7,363
86	US$8,471	US$7,602
87	US$8,743	US$7,842
88	US$9,015	US$8,082
89	US$9,287	US$8,321
90	US$9,558	US$8,561
91	US$9,691	US$8,680
92	US$9,824	US$8,798
93	US$9,958	US$8,917
94	US$10,090	US$9,040
95	US$10,230	US$9,161
96	US$10,361	US$9,281
97	US$10,508	US$9,406
98	US$10,644	US$9,527
99	US$10,785	US$9,652

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)

Current page

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