VHIS Plan
AIA Voluntary Health Insurance Privilege Ultra Scheme
AIA自願醫保尊耀計劃
AIA International Limited·16 plan options
AIA Voluntary Health Insurance Privilege Ultra Scheme is a VHIS Flexi plan offered by AIA International Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage and HK$12,000,000 annual benefit limit. Latest plan-document version: Jul 15, 2026.
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$18,568 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$20,424 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$2,321/yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$2,553/yr
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Deductible
2,000 USD deductible
Entry premium (Age 30 any gender)
US$997/yr
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Deductible
2,000 USD deductible
Entry premium (Age 30 any gender)
US$1,097/yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,976 /yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,776 /yr
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Deductible
3,125 USD deductible
Entry premium (Age 30 any gender)
US$922/yr
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Deductible
3,125 USD deductible
Entry premium (Age 30 any gender)
US$1,014/yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,376 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,112 /yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$719/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$792/yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,752 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,336 /yr
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Why so many deductible options?
The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.
Deductibles FAQ →- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jul 15, 2026
- Last verified
- 2026-07-18