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VHIS Flexi · F00022-03-000-03

AIA Voluntary Health Insurance Flexi Scheme - Standard Private (HKD)

AIA自願醫保靈活計劃 - 標準私家房 (港元)

AIA International Limited

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Your premium

HK$15,321 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

Network：HK$480,000／per policy year / per disability, 15% coinsurance
Non-network：HK$400,000／per policy year / per disability, 20% coinsurance

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

SMM

Network：HK$480,000／per policy year / per disability, 15% coinsurance
Non-network：HK$400,000／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	$4,400 per day Non-network: 每日$4,000 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	$30,000 per Policy Year Non-network: 每保單年度$28,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$4,400 per day Non-network: 每日$4,000 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	$10,700 per Policy Year Non-network: 每保單年度$10,000
(e) Intensive care (e) 深切治療	$11,600 per day Non-network: 每日$9,680 每保單年度最多25日
Surgeon's fee — Minor 外科醫生費 — 小型	$12,000 Non-network: $10,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$36,000 Non-network: $30,000
Surgeon's fee — Major 外科醫生費 — 大型	$60,000 Non-network: $50,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$120,000 Non-network: $100,000
(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	$44,000 per Policy Year Non-network: 每保單年度$40,000 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	$180,000 per Policy Year Non-network: 每保單年度$150,000
(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 $4,000 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: $1,000 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: $1,000 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): $740 per visit Non-network: 每保單年度最多 $3,500• 入院前/日間手術前急症診症：每次 $670，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 $670- 其他跟進門診（物理/職業/言語/脊椎）：每次 $670
(l) Psychiatric treatments (l) 精神科治療	$39,600 per Policy Year Non-network: 每保單年度$36,000
Extra Benefits
Outpatient kidney dialysis 長期治療賠償 - 腎臟透析	$180,000 per Policy Year Non-network: 每保單年度$150,000
Daily post-surgery home nursing benefit 手術後家中每日看護費用賠償	$1,904 per visit, $37,200 per Policy Year Non-network: 每次$1,584 每保單年度$31,000
Emergency outpatient treatment for Accident 急症門診治療費用賠償（只限意外）	$19,000 maximum per Injury within 24 hours of the Accident Non-network: $15,840 每次受傷之最高賠償額
Hospital companion bed fee reimbursement 住院陪床惠益	$760 per day, maximum 90 days per Policy Year Non-network: 每日$380 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	$1,904 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital Non-network: 每次$1,584 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	$1,200 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 身故恩恤賠償	$35,200
Accidental Death benefit 意外死亡賠償	$35,200
Compassionate death benefit (blood donor) 捐血恩恤惠益(身故賠償)	$17,600
Medical accident and incident extension benefit 醫療意外事故惠益	$352,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$4,400 per day
Non-network: 每日$4,000 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
$30,000 per Policy Year
Non-network: 每保單年度$28,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$4,400 per day
Non-network: 每日$4,000 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
$10,700 per Policy Year
Non-network: 每保單年度$10,000
(e) Intensive care
(e) 深切治療
$11,600 per day
Non-network: 每日$9,680 每保單年度最多25日
Surgeon's fee — Minor
外科醫生費 — 小型
$12,000
Non-network: $10,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$36,000
Non-network: $30,000
Surgeon's fee — Major
外科醫生費 — 大型
$60,000
Non-network: $50,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$120,000
Non-network: $100,000
(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
$44,000 per Policy Year
Non-network: 每保單年度$40,000 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
$180,000 per Policy Year
Non-network: 每保單年度$150,000
(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 $4,000 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: $1,000 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: $1,000 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): $740 per visit
Non-network: 每保單年度最多 $3,500• 入院前/日間手術前急症診症：每次 $670，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 $670- 其他跟進門診（物理/職業/言語/脊椎）：每次 $670
(l) Psychiatric treatments
(l) 精神科治療
$39,600 per Policy Year
Non-network: 每保單年度$36,000

Extra Benefits

Outpatient kidney dialysis
長期治療賠償 - 腎臟透析
$180,000 per Policy Year
Non-network: 每保單年度$150,000
Daily post-surgery home nursing benefit
手術後家中每日看護費用賠償
$1,904 per visit, $37,200 per Policy Year
Non-network: 每次$1,584 每保單年度$31,000
Emergency outpatient treatment for Accident
急症門診治療費用賠償（只限意外）
$19,000 maximum per Injury within 24 hours of the Accident
Non-network: $15,840 每次受傷之最高賠償額
Hospital companion bed fee reimbursement
住院陪床惠益
$760 per day, maximum 90 days per Policy Year
Non-network: 每日$380 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
$1,904 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital
Non-network: 每次$1,584 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
$1,200 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
身故恩恤賠償
$35,200
Accidental Death benefit
意外死亡賠償
$35,200
Compassionate death benefit (blood donor)
捐血恩恤惠益(身故賠償)
$17,600
Medical accident and incident extension benefit
醫療意外事故惠益
$352,000

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$17,750	HK$12,398
1	HK$17,750	HK$12,398
2	HK$17,750	HK$12,398
3	HK$17,750	HK$12,398
4	HK$17,750	HK$12,398
5	HK$10,402	HK$9,598
6	HK$10,402	HK$9,598
7	HK$10,402	HK$9,598
8	HK$10,402	HK$9,598
9	HK$10,402	HK$9,598
10	HK$9,860	HK$9,182
11	HK$9,860	HK$9,182
12	HK$9,860	HK$9,182
13	HK$9,860	HK$9,182
14	HK$9,860	HK$9,182
15	HK$9,860	HK$9,185
16	HK$10,991	HK$10,360
17	HK$11,631	HK$11,067
18	HK$12,323	HK$11,726
19	HK$12,720	HK$11,830
20	HK$12,720	HK$12,107
21	HK$12,814	HK$12,792
22	HK$12,837	HK$13,354
23	HK$12,860	HK$13,874
24	HK$13,094	HK$14,381
25	HK$13,492	HK$15,099
26	HK$13,695	HK$15,300
27	HK$14,180	HK$15,640
28	HK$14,741	HK$16,272
29	HK$15,001	HK$16,478
30	HK$15,321	HK$16,963
31	HK$15,502	HK$17,378
32	HK$15,895	HK$17,953
33	HK$16,218	HK$18,536
34	HK$16,469	HK$19,126
35	HK$17,150	HK$20,431
36	HK$17,793	HK$21,350
37	HK$18,402	HK$22,311
38	HK$18,974	HK$22,871
39	HK$19,869	HK$23,954
40	HK$21,082	HK$24,920
41	HK$21,946	HK$26,449
42	HK$23,162	HK$27,980
43	HK$24,596	HK$29,443
44	HK$25,992	HK$30,941
45	HK$27,423	HK$32,218
46	HK$28,749	HK$33,127
47	HK$29,894	HK$34,096
48	HK$31,111	HK$34,605
49	HK$32,436	HK$34,978
50	HK$34,744	HK$37,422
51	HK$36,150	HK$38,307
52	HK$37,476	HK$38,838
53	HK$38,993	HK$39,472
54	HK$40,596	HK$39,750
55	HK$41,985	HK$40,797
56	HK$44,730	HK$42,786
57	HK$47,657	HK$44,191
58	HK$50,163	HK$46,124
59	HK$53,130	HK$48,265
60	HK$56,258	HK$51,002
61	HK$59,771	HK$54,065
62	HK$63,804	HK$58,035
63	HK$68,797	HK$63,144
64	HK$73,758	HK$67,563
65	HK$80,671	HK$73,536
66	HK$85,382	HK$77,930
67	HK$91,112	HK$83,202
68	HK$96,244	HK$87,842
69	HK$102,114	HK$93,045
70	HK$108,366	HK$98,899
71	HK$116,394	HK$105,897
72	HK$124,196	HK$112,954
73	HK$132,389	HK$120,438
74	HK$140,971	HK$128,239
75	HK$150,238	HK$136,603
76	HK$158,012	HK$143,863
77	HK$162,778	HK$148,149
78	HK$169,420	HK$154,226
79	HK$176,164	HK$160,548
80	HK$183,826	HK$165,103
81	HK$189,923	HK$170,266
82	HK$196,887	HK$175,462
83	HK$204,080	HK$182,542
84	HK$213,719	HK$188,022
85	HK$224,484	HK$199,570
86	HK$229,866	HK$204,222
87	HK$237,765	HK$211,395
88	HK$243,397	HK$216,443
89	HK$249,029	HK$221,454
90	HK$257,154	HK$228,830
91	HK$260,958	HK$232,006
92	HK$264,450	HK$235,185
93	HK$267,981	HK$238,402
94	HK$271,512	HK$241,697
95	HK$275,278	HK$244,835
96	HK$278,926	HK$248,249
97	HK$282,654	HK$251,465
98	HK$286,341	HK$254,838
99	HK$290,224	HK$258,173

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.