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VHIS Flexi · F00022-06-000-03

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

AIA自願醫保靈活計劃 - 標準私家房 (美元)

AIA International Limited

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Your premium

US$1,915 /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：US$471,000／per policy year / per disability, 15% coinsurance
Non-network：US$392,500／per policy year / per disability, 20% coinsurance

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

SMM

Network：US$471,000／per policy year / per disability, 15% coinsurance
Non-network：US$392,500／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	$550 per day Non-network: 每日$500 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	$3,750 per Policy Year Non-network: 每保單年度$3,500
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$550 per day Non-network: 每日$500 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	$1,338 per Policy Year Non-network: 每保單年度$1,250
(e) Intensive care (e) 深切治療	$1,450 per day Non-network: 每日$1,210 每保單年度最多25日
Surgeon's fee — Minor 外科醫生費 — 小型	$1,500 Non-network: $1,250
Surgeon's fee — Intermediate 外科醫生費 — 中型	$4,500 Non-network: $3,750
Surgeon's fee — Major 外科醫生費 — 大型	$7,500 Non-network: $6,250
Surgeon's fee — Complex 外科醫生費 — 複雜	$15,000 Non-network: $12,500
(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	$5,500 per Policy Year Non-network: 每保單年度$5,000 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	$22,500 per Policy Year Non-network: 每保單年度$18,750
(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$500 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: US$125 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$125 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): US$93 per visit Non-network: 每保單年度最多 US$438• 入院前/日間手術前急症診症：每次 US$84，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$84- 其他跟進門診（物理/職業/言語/脊椎）：每次 US$84
(l) Psychiatric treatments (l) 精神科治療	$4,950 per Policy Year Non-network: 每保單年度$4,500
Extra Benefits
Outpatient kidney dialysis 長期治療賠償 - 腎臟透析	$22,500 per Policy Year Non-network: 每保單年度$18,750
Daily post-surgery home nursing benefit 手術後家中每日看護費用賠償	$238 per visit, $4,650 per Policy Year Non-network: 每次$198 每保單年度$3,875
Emergency outpatient treatment for Accident 急症門診治療費用賠償（只限意外）	$2,375 maximum per Injury within 24 hours of the Accident Non-network: $1,980 每次受傷之最高賠償額
Hospital companion bed fee reimbursement 住院陪床惠益	$95 per day, maximum 90 days per Policy Year Non-network: 每日$48 每保單年度最多90日
Supplementary Major Medical Benefit 額外醫療保障	$60,000 per Disability per Policy Year Non-network: 每保單年度每傷病$50,000 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	$238 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital Non-network: 每次$198 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	$150 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 身故恩恤賠償	$4,400
Accidental Death benefit 意外死亡賠償	$4,400
Compassionate death benefit (blood donor) 捐血恩恤惠益(身故賠償)	$2,200
Medical accident and incident extension benefit 醫療意外事故惠益	$44,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$550 per day
Non-network: 每日$500 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
$3,750 per Policy Year
Non-network: 每保單年度$3,500
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$550 per day
Non-network: 每日$500 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
$1,338 per Policy Year
Non-network: 每保單年度$1,250
(e) Intensive care
(e) 深切治療
$1,450 per day
Non-network: 每日$1,210 每保單年度最多25日
Surgeon's fee — Minor
外科醫生費 — 小型
$1,500
Non-network: $1,250
Surgeon's fee — Intermediate
外科醫生費 — 中型
$4,500
Non-network: $3,750
Surgeon's fee — Major
外科醫生費 — 大型
$7,500
Non-network: $6,250
Surgeon's fee — Complex
外科醫生費 — 複雜
$15,000
Non-network: $12,500
(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
$5,500 per Policy Year
Non-network: 每保單年度$5,000 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
$22,500 per Policy Year
Non-network: 每保單年度$18,750
(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$500 per Policy Year (network)• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure: US$125 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$125 per visit- other follow-up outpatient visits (physiotherapy, occupational therapy, speech therapy, chiropractic treatment): US$93 per visit
Non-network: 每保單年度最多 US$438• 入院前/日間手術前急症診症：每次 US$84，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$84- 其他跟進門診（物理/職業/言語/脊椎）：每次 US$84
(l) Psychiatric treatments
(l) 精神科治療
$4,950 per Policy Year
Non-network: 每保單年度$4,500

Extra Benefits

Outpatient kidney dialysis
長期治療賠償 - 腎臟透析
$22,500 per Policy Year
Non-network: 每保單年度$18,750
Daily post-surgery home nursing benefit
手術後家中每日看護費用賠償
$238 per visit, $4,650 per Policy Year
Non-network: 每次$198 每保單年度$3,875
Emergency outpatient treatment for Accident
急症門診治療費用賠償（只限意外）
$2,375 maximum per Injury within 24 hours of the Accident
Non-network: $1,980 每次受傷之最高賠償額
Hospital companion bed fee reimbursement
住院陪床惠益
$95 per day, maximum 90 days per Policy Year
Non-network: 每日$48 每保單年度最多90日
Supplementary Major Medical Benefit
額外醫療保障
$60,000 per Disability per Policy Year
Non-network: 每保單年度每傷病$50,000 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
$238 per visit. 1 visit per day from the 16th to the 31st visit within 31 days after discharge from Hospital
Non-network: 每次$198 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
$150 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
身故恩恤賠償
$4,400
Accidental Death benefit
意外死亡賠償
$4,400
Compassionate death benefit (blood donor)
捐血恩恤惠益(身故賠償)
$2,200
Medical accident and incident extension benefit
醫療意外事故惠益
$44,000

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$2,219	US$1,550
1	US$2,219	US$1,550
2	US$2,219	US$1,550
3	US$2,219	US$1,550
4	US$2,219	US$1,550
5	US$1,300	US$1,200
6	US$1,300	US$1,200
7	US$1,300	US$1,200
8	US$1,300	US$1,200
9	US$1,300	US$1,200
10	US$1,232	US$1,148
11	US$1,232	US$1,148
12	US$1,232	US$1,148
13	US$1,232	US$1,148
14	US$1,232	US$1,148
15	US$1,232	US$1,148
16	US$1,374	US$1,295
17	US$1,454	US$1,383
18	US$1,540	US$1,466
19	US$1,590	US$1,479
20	US$1,590	US$1,513
21	US$1,590	US$1,599
22	US$1,593	US$1,669
23	US$1,596	US$1,734
24	US$1,637	US$1,798
25	US$1,686	US$1,887
26	US$1,712	US$1,912
27	US$1,772	US$1,955
28	US$1,843	US$2,034
29	US$1,875	US$2,060
30	US$1,915	US$2,120
31	US$1,938	US$2,172
32	US$1,987	US$2,244
33	US$2,027	US$2,317
34	US$2,059	US$2,391
35	US$2,144	US$2,554
36	US$2,224	US$2,669
37	US$2,300	US$2,789
38	US$2,372	US$2,859
39	US$2,484	US$2,994
40	US$2,635	US$3,115
41	US$2,743	US$3,306
42	US$2,895	US$3,498
43	US$3,074	US$3,680
44	US$3,249	US$3,868
45	US$3,428	US$4,027
46	US$3,594	US$4,141
47	US$3,737	US$4,262
48	US$3,889	US$4,326
49	US$4,054	US$4,372
50	US$4,343	US$4,678
51	US$4,519	US$4,788
52	US$4,684	US$4,855
53	US$4,874	US$4,934
54	US$5,074	US$4,969
55	US$5,248	US$5,100
56	US$5,591	US$5,348
57	US$5,957	US$5,524
58	US$6,270	US$5,766
59	US$6,641	US$6,033
60	US$7,032	US$6,375
61	US$7,471	US$6,758
62	US$7,976	US$7,254
63	US$8,600	US$7,893
64	US$9,220	US$8,445
65	US$10,084	US$9,192
66	US$10,673	US$9,741
67	US$11,389	US$10,400
68	US$12,030	US$10,980
69	US$12,764	US$11,631
70	US$13,546	US$12,362
71	US$14,549	US$13,237
72	US$15,524	US$14,119
73	US$16,549	US$15,055
74	US$17,621	US$16,030
75	US$18,780	US$17,075
76	US$19,752	US$17,983
77	US$20,347	US$18,519
78	US$21,178	US$19,278
79	US$22,020	US$20,068
80	US$22,978	US$20,638
81	US$23,740	US$21,283
82	US$24,611	US$21,933
83	US$25,510	US$22,818
84	US$26,715	US$23,503
85	US$28,060	US$24,946
86	US$28,733	US$25,528
87	US$29,721	US$26,424
88	US$30,425	US$27,055
89	US$31,129	US$27,682
90	US$32,144	US$28,604
91	US$32,620	US$29,001
92	US$33,056	US$29,398
93	US$33,498	US$29,800
94	US$33,939	US$30,212
95	US$34,410	US$30,604
96	US$34,866	US$31,031
97	US$35,332	US$31,433
98	US$35,793	US$31,855
99	US$36,278	US$32,272

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)

Current page

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.