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VHIS Flexi · F00074-01-000-01

AIA Voluntary Health Insurance Privilege Ultra Scheme - HKD0 Deductible (Asia)

AIA自願醫保尊耀計劃 - 0 港元自付費 (亞洲)

AIA Voluntary Health Insurance Privilege Ultra Scheme - HKD0 Deductible (Asia) is a VHIS Flexi plan offered by AIA International Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage, HK$12,000,000 annual benefit limit and no deductible (HK$0). Latest plan-document version: Jul 15, 2026.

Your premium

HK$18,568 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

Annual benefit limit

HK$12,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$60,000,000

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	Fully covered* (where * means 'no itemised benefit sublimit')R&C
(b) Miscellaneous charges (b) 雜項開支	Fully covered* (where * means 'no itemised benefit sublimit')R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Fully covered* (where * means 'no itemised benefit sublimit')R&C
(d) Specialist's fee (d) 專科醫生費	Fully covered* (where * means 'no itemised benefit sublimit')R&C
(e) Intensive care (e) 深切治療	Fully covered* (where * means 'no itemised benefit sublimit')R&C
(f) Surgeon's fee (f) 外科醫生費	Fully covered* regardless of the surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Fully covered* (where * means 'no itemised benefit sublimit')R&C
(h) Operating theatre charges (h) 手術室費	Fully covered* (where * means 'no itemised benefit sublimit')R&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Fully covered* (where * means 'no itemised benefit sublimit')R&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Fully covered* (where * means 'no itemised benefit sublimit')R&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 Expenses• All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major under Section 3(f) of Part 6 of the Terms and Benefits (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	Fully covered* (where * means 'no itemised benefit sublimit')R&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	Fully covered* (where * means 'no itemised benefit sublimit')R&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
Personal medical case management services 個人療程管理服務	Applicable
Phase III clinical trial drug benefit 第三期及第四期指定癌症及無法治癒的血液系統惡性腫瘤之第三期臨床試驗藥物賠償	$500,000 per Policy Year (For any Reasonable and Customary charges incurred and reimbursable under this benefit item outside Hong Kong, Macau and Mainland China, such Reasonable and Customary charges shall be reduced to sixty per cent (60%) when calculating the total amount payable) Outside the above regions: R&C reduced to 60%
Life-stage health check benefit 人生階段檢查保障	One check-up in the Policy Year immediately following every third consecutive Policy Renewal
Complications of pregnancy 妊娠併發症惠益	Up to the relevant benefit limit under benefit items I (a) – (i), (k), (m), (o) and/or II (b)
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
Fully covered* (where * means 'no itemised benefit sublimit')R&C
(b) Miscellaneous charges
(b) 雜項開支
Fully covered* (where * means 'no itemised benefit sublimit')R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Fully covered* (where * means 'no itemised benefit sublimit')R&C
(d) Specialist's fee
(d) 專科醫生費
Fully covered* (where * means 'no itemised benefit sublimit')R&C
(e) Intensive care
(e) 深切治療
Fully covered* (where * means 'no itemised benefit sublimit')R&C
(f) Surgeon's fee
(f) 外科醫生費
Fully covered* regardless of the surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Fully covered* (where * means 'no itemised benefit sublimit')R&C
(h) Operating theatre charges
(h) 手術室費
Fully covered* (where * means 'no itemised benefit sublimit')R&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Fully covered* (where * means 'no itemised benefit sublimit')R&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Fully covered* (where * means 'no itemised benefit sublimit')R&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 Expenses• All outpatient visits or Emergency consultations within 30 days prior to each Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation per Confinement/Day Case Procedure beyond the 30-day prior period• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (excluding dietitian consultations)• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major under Section 3(f) of Part 6 of the Terms and Benefits (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
Fully covered* (where * means 'no itemised benefit sublimit')R&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
Fully covered* (where * means 'no itemised benefit sublimit')R&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
Personal medical case management services
個人療程管理服務
Applicable
Phase III clinical trial drug benefit
第三期及第四期指定癌症及無法治癒的血液系統惡性腫瘤之第三期臨床試驗藥物賠償
$500,000 per Policy Year (For any Reasonable and Customary charges incurred and reimbursable under this benefit item outside Hong Kong, Macau and Mainland China, such Reasonable and Customary charges shall be reduced to sixty per cent (60%) when calculating the total amount payable)
Outside the above regions: R&C reduced to 60%
Life-stage health check benefit
人生階段檢查保障
One check-up in the Policy Year immediately following every third consecutive Policy Renewal
Complications of pregnancy
妊娠併發症惠益
Up to the relevant benefit limit under benefit items I (a) – (i), (k), (m), (o) and/or II (b)

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$12,336
1	HK$12,336
2	HK$12,336
3	HK$12,336
4	HK$12,336
5	HK$12,336
6	HK$12,336
7	HK$12,336
8	HK$12,336
9	HK$12,336
10	HK$12,336
11	HK$12,336
12	HK$12,336
13	HK$12,336
14	HK$12,336
15	HK$12,336
16	HK$12,336
17	HK$12,336
18	HK$12,336
19	HK$12,472
20	HK$12,728
21	HK$12,856
22	HK$13,248
23	HK$13,760
24	HK$14,160
25	HK$15,192
26	HK$16,104
27	HK$17,008
28	HK$17,792
29	HK$18,304
30	HK$18,568
31	HK$19,088
32	HK$19,352
33	HK$19,872
34	HK$20,648
35	HK$21,024
36	HK$21,040
37	HK$21,424
38	HK$21,960
39	HK$22,080
40	HK$22,328
41	HK$22,960
42	HK$23,944
43	HK$25,008
44	HK$26,752
45	HK$28,368
46	HK$29,712
47	HK$30,960
48	HK$32,176
49	HK$33,704
50	HK$35,208
51	HK$37,136
52	HK$38,720
53	HK$40,144
54	HK$42,008
55	HK$43,712
56	HK$46,288
57	HK$49,280
58	HK$51,560
59	HK$55,000
60	HK$58,576
61	HK$62,272
62	HK$66,488
63	HK$71,992
64	HK$78,960
65	HK$85,336
66	HK$92,600
67	HK$98,056
68	HK$102,144
69	HK$107,440
70	HK$112,416
71	HK$119,776
72	HK$126,416
73	HK$132,936
74	HK$139,720
75	HK$146,248
76	HK$154,096
77	HK$160,256
78	HK$166,280
79	HK$167,520
80	HK$170,992
81	HK$182,616
82	HK$186,144
83	HK$189,448
84	HK$192,448
85	HK$195,896
86	HK$199,496
87	HK$202,656
88	HK$205,792
89	HK$209,096
90	HK$212,400
91	HK$215,848
92	HK$218,992
93	HK$222,296
94	HK$225,904
95	HK$229,200
96	HK$232,648
97	HK$235,504
98	HK$238,936
99	HK$242,400

Other deductible options in this series

16 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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