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 Hong Kong / Macau / Mainland China: Semi-Private Room; Other covered locations: Standard Private Room, Asia incl. AU/NZ coverage and HK$12,000,000 annual benefit limit. Latest plan-document version: Jul 15, 2026.
01 · Plan options
16 options — premiums differ; deductible, ward class or cover may also differPlan option
HKD0 Deductible (Asia)
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$18,568 /yr
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Plan option
HKD0 Deductible (Worldwide except USA)
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$20,424 /yr
View details →
Plan option
USD0 Deductible (Asia)
Deductible USD 0 deductible
Entry premium (Age 30 any gender)
US$2,321/yr
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Plan option
USD0 Deductible (Worldwide except USA)
Deductible USD 0 deductible
Entry premium (Age 30 any gender)
US$2,553/yr
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Plan option
USD2,000 Deductible (Asia)
Deductible 2,000 USD deductible
Entry premium (Age 30 any gender)
US$997/yr
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Plan option
USD2,000 Deductible (Worldwide except USA)
Deductible 2,000 USD deductible
Entry premium (Age 30 any gender)
US$1,097/yr
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Plan option
HKD16,000 Deductible (Asia)
Deductible 16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,976 /yr
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Plan option
HKD16,000 Deductible (Worldwide except USA)
Deductible 16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,776 /yr
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Plan option
USD3,125 Deductible (Asia)
Deductible 3,125 USD deductible
Entry premium (Age 30 any gender)
US$922/yr
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Plan option
USD3,125 Deductible (Worldwide except USA)
Deductible 3,125 USD deductible
Entry premium (Age 30 any gender)
US$1,014/yr
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Plan option
HKD25,000 Deductible (Asia)
Deductible 25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,376 /yr
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Plan option
HKD25,000 Deductible (Worldwide except USA)
Deductible 25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,112 /yr
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Plan option
USD6,250 Deductible (Asia)
Deductible 6,250 USD deductible
Entry premium (Age 30 any gender)
US$719/yr
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Plan option
USD6,250 Deductible (Worldwide except USA)
Deductible 6,250 USD deductible
Entry premium (Age 30 any gender)
US$792/yr
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Plan option
HKD50,000 Deductible (Asia)
Deductible 50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,752 /yr
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Plan option
HKD50,000 Deductible (Worldwide except USA)
Deductible 50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,336 /yr
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02 · Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible (Asia)Deductible HKD 0 deductible | HK$12,336 | HK$12,336 | HK$12,728 | HK$18,568 | HK$22,328 | HK$35,208 | HK$58,576 | HK$112,416 | HK$170,992 |
| HKD0 Deductible (Worldwide except USA)Deductible HKD 0 deductible | HK$13,568 | HK$13,568 | HK$14,008 | HK$20,424 | HK$24,568 | HK$38,720 | HK$64,432 | HK$123,664 | HK$188,088 |
| USD0 Deductible (Asia)Deductible USD 0 deductible | US$1,542 | US$1,542 | US$1,591 | US$2,321 | US$2,791 | US$4,401 | US$7,322 | US$14,052 | US$21,374 |
| USD0 Deductible (Worldwide except USA)Deductible USD 0 deductible | US$1,696 | US$1,696 | US$1,751 | US$2,553 | US$3,071 | US$4,840 | US$8,054 | US$15,458 | US$23,511 |
| USD2,000 Deductible (Asia)Deductible 2,000 USD deductible | US$665 | US$628 | US$652 | US$997 | US$1,183 | US$1,953 | US$3,257 | US$6,291 | US$9,797 |
| USD2,000 Deductible (Worldwide except USA)Deductible 2,000 USD deductible | US$730 | US$689 | US$717 | US$1,097 | US$1,300 | US$2,151 | US$3,584 | US$6,922 | US$10,777 |
| HKD16,000 Deductible (Asia)Deductible 16,000 HKD deductible | HK$5,320 | HK$5,024 | HK$5,216 | HK$7,976 | HK$9,464 | HK$15,624 | HK$26,056 | HK$50,328 | HK$78,376 |
| HKD16,000 Deductible (Worldwide except USA)Deductible 16,000 HKD deductible | HK$5,840 | HK$5,512 | HK$5,736 | HK$8,776 | HK$10,400 | HK$17,208 | HK$28,672 | HK$55,376 | HK$86,216 |
| USD3,125 Deductible (Asia)Deductible 3,125 USD deductible | US$645 | US$597 | US$613 | US$922 | US$1,128 | US$1,826 | US$3,084 | US$5,955 | US$9,264 |
| USD3,125 Deductible (Worldwide except USA)Deductible 3,125 USD deductible | US$710 | US$655 | US$674 | US$1,014 | US$1,243 | US$2,009 | US$3,392 | US$6,551 | US$10,189 |
| HKD25,000 Deductible (Asia)Deductible 25,000 HKD deductible | HK$5,160 | HK$4,776 | HK$4,904 | HK$7,376 | HK$9,024 | HK$14,608 | HK$24,672 | HK$47,640 | HK$74,112 |
| HKD25,000 Deductible (Worldwide except USA)Deductible 25,000 HKD deductible | HK$5,680 | HK$5,240 | HK$5,392 | HK$8,112 | HK$9,944 | HK$16,072 | HK$27,136 | HK$52,408 | HK$81,512 |
| USD6,250 Deductible (Asia)Deductible 6,250 USD deductible | US$504 | US$467 | US$479 | US$719 | US$881 | US$1,425 | US$2,407 | US$4,644 | US$7,226 |
| USD6,250 Deductible (Worldwide except USA)Deductible 6,250 USD deductible | US$554 | US$511 | US$525 | US$792 | US$969 | US$1,567 | US$2,647 | US$5,110 | US$7,949 |
| HKD50,000 Deductible (Asia)Deductible 50,000 HKD deductible | HK$4,032 | HK$3,736 | HK$3,832 | HK$5,752 | HK$7,048 | HK$11,400 | HK$19,256 | HK$37,152 | HK$57,808 |
| HKD50,000 Deductible (Worldwide except USA)Deductible 50,000 HKD deductible | HK$4,432 | HK$4,088 | HK$4,200 | HK$6,336 | HK$7,752 | HK$12,536 | HK$21,176 | HK$40,880 | HK$63,592 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible (Asia)Deductible HKD 0 deductible | HK$12,336 | HK$12,336 | HK$12,728 | HK$18,568 | HK$22,328 | HK$35,208 | HK$58,576 | HK$112,416 | HK$170,992 |
| HKD0 Deductible (Worldwide except USA)Deductible HKD 0 deductible | HK$13,568 | HK$13,568 | HK$14,008 | HK$20,424 | HK$24,568 | HK$38,720 | HK$64,432 | HK$123,664 | HK$188,088 |
| USD0 Deductible (Asia)Deductible USD 0 deductible | US$1,542 | US$1,542 | US$1,591 | US$2,321 | US$2,791 | US$4,401 | US$7,322 | US$14,052 | US$21,374 |
| USD0 Deductible (Worldwide except USA)Deductible USD 0 deductible | US$1,696 | US$1,696 | US$1,751 | US$2,553 | US$3,071 | US$4,840 | US$8,054 | US$15,458 | US$23,511 |
| USD2,000 Deductible (Asia)Deductible 2,000 USD deductible | US$665 | US$628 | US$652 | US$997 | US$1,183 | US$1,953 | US$3,257 | US$6,291 | US$9,797 |
| USD2,000 Deductible (Worldwide except USA)Deductible 2,000 USD deductible | US$730 | US$689 | US$717 | US$1,097 | US$1,300 | US$2,151 | US$3,584 | US$6,922 | US$10,777 |
| HKD16,000 Deductible (Asia)Deductible 16,000 HKD deductible | HK$5,320 | HK$5,024 | HK$5,216 | HK$7,976 | HK$9,464 | HK$15,624 | HK$26,056 | HK$50,328 | HK$78,376 |
| HKD16,000 Deductible (Worldwide except USA)Deductible 16,000 HKD deductible | HK$5,840 | HK$5,512 | HK$5,736 | HK$8,776 | HK$10,400 | HK$17,208 | HK$28,672 | HK$55,376 | HK$86,216 |
| USD3,125 Deductible (Asia)Deductible 3,125 USD deductible | US$645 | US$597 | US$613 | US$922 | US$1,128 | US$1,826 | US$3,084 | US$5,955 | US$9,264 |
| USD3,125 Deductible (Worldwide except USA)Deductible 3,125 USD deductible | US$710 | US$655 | US$674 | US$1,014 | US$1,243 | US$2,009 | US$3,392 | US$6,551 | US$10,189 |
| HKD25,000 Deductible (Asia)Deductible 25,000 HKD deductible | HK$5,160 | HK$4,776 | HK$4,904 | HK$7,376 | HK$9,024 | HK$14,608 | HK$24,672 | HK$47,640 | HK$74,112 |
| HKD25,000 Deductible (Worldwide except USA)Deductible 25,000 HKD deductible | HK$5,680 | HK$5,240 | HK$5,392 | HK$8,112 | HK$9,944 | HK$16,072 | HK$27,136 | HK$52,408 | HK$81,512 |
| USD6,250 Deductible (Asia)Deductible 6,250 USD deductible | US$504 | US$467 | US$479 | US$719 | US$881 | US$1,425 | US$2,407 | US$4,644 | US$7,226 |
| USD6,250 Deductible (Worldwide except USA)Deductible 6,250 USD deductible | US$554 | US$511 | US$525 | US$792 | US$969 | US$1,567 | US$2,647 | US$5,110 | US$7,949 |
| HKD50,000 Deductible (Asia)Deductible 50,000 HKD deductible | HK$4,032 | HK$3,736 | HK$3,832 | HK$5,752 | HK$7,048 | HK$11,400 | HK$19,256 | HK$37,152 | HK$57,808 |
| HKD50,000 Deductible (Worldwide except USA)Deductible 50,000 HKD deductible | HK$4,432 | HK$4,088 | HK$4,200 | HK$6,336 | HK$7,752 | HK$12,536 | HK$21,176 | HK$40,880 | HK$63,592 |
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 →How to apply for this plan
This plan is offered by AIA International Limited. To apply, contact AIA International Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
This site's licensed insurance agent can only arrange FWD plans.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jul 15, 2026
- Plan data updated
- 2026-07-18