← Back to AIA Voluntary Health Insurance Privilege Ultra Scheme series
VHIS Flexi · F00074-15-000-01
AIA Voluntary Health Insurance Privilege Ultra Scheme - USD3,125 Deductible (Worldwide except USA)
AIA自願醫保尊耀計劃 - 3,125 美元自付費 (全球(美國除外))
Your premium
US$930 /yr
age
US$Ward class
Semi-Private Room
Coverage region
Worldwide (excluding United States)
Deductible
US$3,125
Annual benefit limit
US$1,500,000
Per-illness annual limit
—
Lifetime benefit limit
US$7,500,000
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, $85 per visitR&C |
(l) Psychiatric treatments (l) 精神科治療 | $5,000 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) $20,000 per Accident (ii) $20,000 per mastectomy |
Reconstructive surgery medical device benefit 重建手術的醫療裝置費用惠益 | $12,000 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 | $75 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 | $10,000 per Policy Year, maximum 60 days per Policy Year |
Hospice and palliative care benefit 善終關懷服務惠益 | $10,000 per Policy Year |
Post-stroke home equipment upgrade 中風康復惠益 (i) 家中設備提升惠益 | $6,250 per Accident |
Post-stroke rehabilitation visits 中風康復惠益 (ii) 中風輔助惠益 | $125 per visit, max 30 visits per Policy Year, aggregate max $12,500 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 | $62,500 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 | $150 per day, maximum 60 days per Policy Year |
Day surgery cash benefit 日間手術現金惠益 | $200 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 | $625 per month, max 24 months per Accident |
Compassionate death benefit 身故恩恤賠償 | $1,250 |
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, $85 per visitR&C
- (l) Psychiatric treatments(l) 精神科治療$5,000 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) $20,000 per Accident (ii) $20,000 per mastectomy
- Reconstructive surgery medical device benefit重建手術的醫療裝置費用惠益$12,000 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$75 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$10,000 per Policy Year, maximum 60 days per Policy Year
- Hospice and palliative care benefit善終關懷服務惠益$10,000 per Policy Year
- Post-stroke home equipment upgrade中風康復惠益 (i) 家中設備提升惠益$6,250 per Accident
- Post-stroke rehabilitation visits中風康復惠益 (ii) 中風輔助惠益$125 per visit, max 30 visits per Policy Year, aggregate max $12,500 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$62,500 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$150 per day, maximum 60 days per Policy Year
- Day surgery cash benefit日間手術現金惠益$200 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$625 per month, max 24 months per Accident
- Compassionate death benefit身故恩恤賠償$1,250
Premium Schedule
Annual premium · Single rate (gender / smoking agnostic) · USD
Other deductible options in this series
16 deductibles — same benefit schedule, premium scales with deductible
HK$0
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HK$0
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US$0
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US$0
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US$2K
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US$2K
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HK$16K
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HK$16K
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US$3K
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US$3K
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HK$25K
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HK$25K
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US$6K
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US$6K
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HK$50K
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HK$50K
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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.