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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 Voluntary Health Insurance Flexi Scheme - Standard Private (USD) 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

US$1,992 /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：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$2,308	US$1,612
1	US$2,308	US$1,612
2	US$2,308	US$1,612
3	US$2,308	US$1,612
4	US$2,308	US$1,612
5	US$1,352	US$1,248
6	US$1,352	US$1,248
7	US$1,352	US$1,248
8	US$1,352	US$1,248
9	US$1,352	US$1,248
10	US$1,282	US$1,194
11	US$1,282	US$1,194
12	US$1,282	US$1,194
13	US$1,282	US$1,194
14	US$1,282	US$1,194
15	US$1,282	US$1,194
16	US$1,429	US$1,347
17	US$1,512	US$1,439
18	US$1,602	US$1,524
19	US$1,654	US$1,538
20	US$1,654	US$1,574
21	US$1,654	US$1,663
22	US$1,657	US$1,736
23	US$1,660	US$1,804
24	US$1,702	US$1,870
25	US$1,754	US$1,963
26	US$1,780	US$1,989
27	US$1,843	US$2,033
28	US$1,916	US$2,115
29	US$1,950	US$2,142
30	US$1,992	US$2,205
31	US$2,015	US$2,259
32	US$2,066	US$2,334
33	US$2,108	US$2,410
34	US$2,141	US$2,486
35	US$2,229	US$2,656
36	US$2,313	US$2,775
37	US$2,392	US$2,900
38	US$2,467	US$2,973
39	US$2,583	US$3,114
40	US$2,741	US$3,240
41	US$2,853	US$3,438
42	US$3,011	US$3,637
43	US$3,198	US$3,828
44	US$3,379	US$4,022
45	US$3,565	US$4,188
46	US$3,737	US$4,306
47	US$3,886	US$4,432
48	US$4,044	US$4,499
49	US$4,217	US$4,547
50	US$4,517	US$4,865
51	US$4,699	US$4,980
52	US$4,872	US$5,049
53	US$5,069	US$5,131
54	US$5,278	US$5,168
55	US$5,458	US$5,304
56	US$5,815	US$5,562
57	US$6,195	US$5,745
58	US$6,521	US$5,996
59	US$6,907	US$6,274
60	US$7,314	US$6,630
61	US$7,770	US$7,028
62	US$8,294	US$7,545
63	US$8,944	US$8,209
64	US$9,588	US$8,783
65	US$10,487	US$9,560
66	US$11,100	US$10,131
67	US$11,845	US$10,816
68	US$12,512	US$11,420
69	US$13,275	US$12,096
70	US$14,088	US$12,857
71	US$15,131	US$13,767
72	US$16,146	US$14,684
73	US$17,210	US$15,657
74	US$18,326	US$16,671
75	US$19,531	US$17,758
76	US$20,542	US$18,702
77	US$21,161	US$19,259
78	US$22,025	US$20,049
79	US$22,901	US$20,871
80	US$23,897	US$21,463
81	US$24,690	US$22,134
82	US$25,595	US$22,810
83	US$26,530	US$23,730
84	US$27,784	US$24,443
85	US$29,183	US$25,944
86	US$29,882	US$26,549
87	US$30,909	US$27,481
88	US$31,642	US$28,138
89	US$32,374	US$28,789
90	US$33,430	US$29,748
91	US$33,925	US$30,161
92	US$34,379	US$30,574
93	US$34,838	US$30,992
94	US$35,297	US$31,421
95	US$35,786	US$31,829
96	US$36,260	US$32,272
97	US$36,745	US$32,690
98	US$37,224	US$33,129
99	US$37,729	US$33,562

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)

View details →

Semi-private (USD)

View details →

Standard Private (USD)

Current page

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