VHIS Plan
AIA Voluntary Health Insurance SelectWise Scheme
AIA自願醫保睿選計劃
AIA International Limited·10 plan options
AIA Voluntary Health Insurance SelectWise 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: Oct 27, 2025.
Data version: Oct 27, 2025
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$12,888 /yr
View details →
Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$1,611/yr
View details →
Deductible
1,100 USD deductible
Entry premium (Age 30 any gender)
US$814/yr
View details →
Deductible
8,800 HKD deductible
Entry premium (Age 30 any gender)
HK$6,512 /yr
View details →
Deductible
2,250 USD deductible
Entry premium (Age 30 any gender)
US$639/yr
View details →
Deductible
18,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,112 /yr
View details →
Deductible
3,750 USD deductible
Entry premium (Age 30 any gender)
US$555/yr
View details →
Deductible
30,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,440 /yr
View details →
Deductible
6,875 USD deductible
Entry premium (Age 30 any gender)
US$407/yr
View details →
Deductible
55,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,256 /yr
View details →
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
- Oct 27, 2025
- Last verified
- 2026-04-25