AIA Voluntary Health Insurance Privilege Scheme - HKD0 Deductible

AIA自願醫保尊顯計劃 - 0 港元自付費

AIA International Limited

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Your premium

HK$13,632 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia

Deductible

Annual benefit limit

HK$10,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$50,000,000

SMM Supplemental Major Medical

—

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	Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible ExpensesR&C
(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	Full reimbursement of Eligible ExpensesAll outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior periodAll follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, $680 per visitR&C
(l) Psychiatric treatments (l) 精神科治療	$40,000 per Policy Year
Extra Benefits
Private nursing fee (during Confinement) 私家看護費用	Full reimbursement of Eligible Expenses, maximum 30 days per Policy YearR&C
Outpatient kidney dialysis 透析費用惠益	Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit 手術後家中看護惠益	Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)R&C
Reconstructive surgery for specified conditions 重建手術惠益	(i) $160,000 per Accident (ii) $160,000 per mastectomy
Reconstructive surgery medical device benefit 重建手術的醫療裝置費用惠益	$96,000 per item per Policy Year
Emergency outpatient treatment for Accident 意外急症門診治療費用賠償	Full reimbursement of Eligible Expenses, within 24 hours of the AccidentR&C
Organ transplant donor benefit 捐贈者費用	30% of the sum of surgical expenses for organ transplantation
Hospital companion bed fee reimbursement 住院陪床惠益	Full reimbursement of Eligible ExpensesR&C
Chinese Medicine Practitioner outpatient care 中醫的門診護理	$600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Cancer / cardiac / stroke rehabilitation benefit 康復惠益	$80,000 per Policy Year, maximum 60 days per Policy Year
Hospice and palliative care benefit 善終關懷服務惠益	$80,000 per Policy Year
Post-stroke home equipment upgrade 中風康復惠益 (i) 家中設備提升惠益	$50,000 per Accident
Post-stroke rehabilitation visits 中風康復惠益 (ii) 中風輔助惠益	$1,000 per visit, max 30 visits per Policy Year, aggregate max $100,000 per Accident
Emergency dental benefit (Accident only) 緊急牙齒治療費用賠償	Full reimbursement of Eligible Expenses, within 3 months of the AccidentR&C
Health check-up benefit 無索償醫療檢查服務	Applicable
Personal medical case management services 個人療程管理服務	Applicable
Cash Benefits
Lower ward class cash benefit 次級病房級別現金惠益	$1,200 per day, maximum 60 days per Policy Year
Day surgery cash benefit 日間手術現金惠益	$1,600 per surgery, maximum 1 surgery per Policy Year
Event Benefits
Stroke disability allowance benefit 中風康復惠益 (iii) 傷殘津貼惠益	$5,000 per month, max 24 months per Accident
Compassionate death benefit 身故恩恤賠償	$10,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible ExpensesR&C
(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
Full reimbursement of Eligible ExpensesAll outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior periodAll follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)4 dietitian follow-up consultations within 90 days after discharge from Hospital or completion of Day Case Procedure, $680 per visitR&C
(l) Psychiatric treatments
(l) 精神科治療
$40,000 per Policy Year

Extra Benefits

Private nursing fee (during Confinement)
私家看護費用
Full reimbursement of Eligible Expenses, maximum 30 days per Policy YearR&C
Outpatient kidney dialysis
透析費用惠益
Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit
手術後家中看護惠益
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)R&C
Reconstructive surgery for specified conditions
重建手術惠益
(i) $160,000 per Accident (ii) $160,000 per mastectomy
Reconstructive surgery medical device benefit
重建手術的醫療裝置費用惠益
$96,000 per item per Policy Year
Emergency outpatient treatment for Accident
意外急症門診治療費用賠償
Full reimbursement of Eligible Expenses, within 24 hours of the AccidentR&C
Organ transplant donor benefit
捐贈者費用
30% of the sum of surgical expenses for organ transplantation
Hospital companion bed fee reimbursement
住院陪床惠益
Full reimbursement of Eligible ExpensesR&C
Chinese Medicine Practitioner outpatient care
中醫的門診護理
$600 per visit. 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Cancer / cardiac / stroke rehabilitation benefit
康復惠益
$80,000 per Policy Year, maximum 60 days per Policy Year
Hospice and palliative care benefit
善終關懷服務惠益
$80,000 per Policy Year
Post-stroke home equipment upgrade
中風康復惠益 (i) 家中設備提升惠益
$50,000 per Accident
Post-stroke rehabilitation visits
中風康復惠益 (ii) 中風輔助惠益
$1,000 per visit, max 30 visits per Policy Year, aggregate max $100,000 per Accident
Emergency dental benefit (Accident only)
緊急牙齒治療費用賠償
Full reimbursement of Eligible Expenses, within 3 months of the AccidentR&C
Health check-up benefit
無索償醫療檢查服務
Applicable
Personal medical case management services
個人療程管理服務
Applicable

Cash Benefits

Lower ward class cash benefit
次級病房級別現金惠益
$1,200 per day, maximum 60 days per Policy Year
Day surgery cash benefit
日間手術現金惠益
$1,600 per surgery, maximum 1 surgery per Policy Year

Event Benefits

Stroke disability allowance benefit
中風康復惠益 (iii) 傷殘津貼惠益
$5,000 per month, max 24 months per Accident
Compassionate death benefit
身故恩恤賠償
$10,000

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$9,048
1	HK$9,048
2	HK$9,048
3	HK$9,048
4	HK$9,048
5	HK$9,048
6	HK$9,048
7	HK$9,048
8	HK$9,048
9	HK$9,048
10	HK$9,048
11	HK$9,048
12	HK$9,048
13	HK$9,048
14	HK$9,048
15	HK$9,048
16	HK$9,048
17	HK$9,048
18	HK$9,048
19	HK$9,144
20	HK$9,328
21	HK$9,432
22	HK$9,728
23	HK$10,112
24	HK$10,392
25	HK$11,144
26	HK$11,824
27	HK$12,488
28	HK$13,056
29	HK$13,440
30	HK$13,632
31	HK$14,008
32	HK$14,200
33	HK$14,584
34	HK$15,152
35	HK$15,448
36	HK$15,448
37	HK$15,728
38	HK$16,112
39	HK$16,200
40	HK$16,400
41	HK$16,688
42	HK$17,064
43	HK$17,832
44	HK$18,872
45	HK$19,832
46	HK$20,976
47	HK$21,640
48	HK$22,496
49	HK$23,448
50	HK$23,928
51	HK$24,784
52	HK$25,832
53	HK$26,792
54	HK$28,024
55	HK$29,176
56	HK$30,888
57	HK$32,888
58	HK$34,416
59	HK$36,712
60	HK$39,088
61	HK$42,328
62	HK$46,048
63	HK$50,816
64	HK$56,816
65	HK$62,640
66	HK$67,976
67	HK$69,216
68	HK$70,736
69	HK$73,024
70	HK$77,136
71	HK$85,280
72	HK$90,008
73	HK$94,648
74	HK$98,552
75	HK$101,256
76	HK$107,672
77	HK$115,144
78	HK$118,344
79	HK$122,088
80	HK$125,136
81	HK$132,376
82	HK$136,224
83	HK$138,648
84	HK$140,840
85	HK$143,368
86	HK$146,000
87	HK$148,312
88	HK$150,608
89	HK$153,024
90	HK$155,440
91	HK$157,968
92	HK$160,280
93	HK$162,688
94	HK$165,320
95	HK$167,744
96	HK$170,264
97	HK$172,352
98	HK$174,872
99	HK$177,400

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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.