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

Your premium

HK$15,934 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

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$18,461	HK$12,894
1	HK$18,461	HK$12,894
2	HK$18,461	HK$12,894
3	HK$18,461	HK$12,894
4	HK$18,461	HK$12,894
5	HK$10,818	HK$9,982
6	HK$10,818	HK$9,982
7	HK$10,818	HK$9,982
8	HK$10,818	HK$9,982
9	HK$10,818	HK$9,982
10	HK$10,254	HK$9,549
11	HK$10,254	HK$9,549
12	HK$10,254	HK$9,549
13	HK$10,254	HK$9,549
14	HK$10,254	HK$9,549
15	HK$10,254	HK$9,552
16	HK$11,431	HK$10,774
17	HK$12,097	HK$11,510
18	HK$12,816	HK$12,195
19	HK$13,229	HK$12,302
20	HK$13,229	HK$12,591
21	HK$13,326	HK$13,304
22	HK$13,350	HK$13,889
23	HK$13,374	HK$14,430
24	HK$13,618	HK$14,956
25	HK$14,032	HK$15,703
26	HK$14,243	HK$15,912
27	HK$14,747	HK$16,266
28	HK$15,330	HK$16,923
29	HK$15,601	HK$17,138
30	HK$15,934	HK$17,642
31	HK$16,122	HK$18,074
32	HK$16,531	HK$18,671
33	HK$16,867	HK$19,278
34	HK$17,127	HK$19,891
35	HK$17,835	HK$21,249
36	HK$18,505	HK$22,203
37	HK$19,138	HK$23,204
38	HK$19,734	HK$23,786
39	HK$20,663	HK$24,912
40	HK$21,925	HK$25,917
41	HK$22,823	HK$27,506
42	HK$24,089	HK$29,099
43	HK$25,580	HK$30,621
44	HK$27,032	HK$32,178
45	HK$28,520	HK$33,507
46	HK$29,898	HK$34,452
47	HK$31,090	HK$35,460
48	HK$32,356	HK$35,989
49	HK$33,734	HK$36,378
50	HK$36,134	HK$38,919
51	HK$37,595	HK$39,839
52	HK$38,975	HK$40,391
53	HK$40,553	HK$41,051
54	HK$42,220	HK$41,341
55	HK$43,664	HK$42,429
56	HK$46,518	HK$44,497
57	HK$49,563	HK$45,959
58	HK$52,170	HK$47,969
59	HK$55,254	HK$50,195
60	HK$58,508	HK$53,042
61	HK$62,162	HK$56,227
62	HK$66,356	HK$60,357
63	HK$71,549	HK$65,670
64	HK$76,708	HK$70,266
65	HK$83,898	HK$76,478
66	HK$88,797	HK$81,046
67	HK$94,757	HK$86,530
68	HK$100,094	HK$91,356
69	HK$106,199	HK$96,766
70	HK$112,701	HK$102,855
71	HK$121,050	HK$110,133
72	HK$129,164	HK$117,473
73	HK$137,684	HK$125,255
74	HK$146,610	HK$133,369
75	HK$156,247	HK$142,067
76	HK$164,333	HK$149,618
77	HK$169,290	HK$154,074
78	HK$176,197	HK$160,394
79	HK$183,210	HK$166,970
80	HK$191,179	HK$171,707
81	HK$197,520	HK$177,076
82	HK$204,762	HK$182,481
83	HK$212,243	HK$189,843
84	HK$222,268	HK$195,542
85	HK$233,463	HK$207,554
86	HK$239,060	HK$212,391
87	HK$247,275	HK$219,851
88	HK$253,133	HK$225,101
89	HK$258,990	HK$230,312
90	HK$267,440	HK$237,982
91	HK$271,397	HK$241,286
92	HK$275,029	HK$244,592
93	HK$278,700	HK$247,938
94	HK$282,373	HK$251,365
95	HK$286,290	HK$254,629
96	HK$290,083	HK$258,178
97	HK$293,960	HK$261,523
98	HK$297,794	HK$265,032
99	HK$301,833	HK$268,500

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)

Current page

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