VHIS Plan
AIA Voluntary Health Insurance Privilege Ultra Scheme
AIA自願醫保尊耀計劃
AIA International Limited·16 plan options
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$17,032 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$18,736 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$2,129/yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$2,342/yr
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Deductible
2,000 USD deductible
Entry premium (Age 30 any gender)
US$915/yr
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Deductible
2,000 USD deductible
Entry premium (Age 30 any gender)
US$1,006/yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,320 /yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,048 /yr
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Deductible
3,125 USD deductible
Entry premium (Age 30 any gender)
US$846/yr
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Deductible
3,125 USD deductible
Entry premium (Age 30 any gender)
US$930/yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,768 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,440 /yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$660/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$727/yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,280 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,816 /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, 2025
- Last verified
- 2026-04-25