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.
01 · Plan options
10 options — premiums differ; deductible, ward class or cover may also differDeductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$12,888 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$1,611/yr
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Deductible
1,100 USD deductible
Entry premium (Age 30 any gender)
US$814/yr
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Deductible
8,800 HKD deductible
Entry premium (Age 30 any gender)
HK$6,512 /yr
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Deductible
2,250 USD deductible
Entry premium (Age 30 any gender)
US$639/yr
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Deductible
18,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,112 /yr
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Deductible
3,750 USD deductible
Entry premium (Age 30 any gender)
US$555/yr
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Deductible
30,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,440 /yr
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Deductible
6,875 USD deductible
Entry premium (Age 30 any gender)
US$407/yr
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Deductible
55,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,256 /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 | HK$9,352 | HK$7,336 | HK$7,576 | HK$12,888 | HK$15,496 | HK$24,440 | HK$47,152 | HK$90,504 | HK$137,656 |
| USD0 Deductible | US$1,169 | US$917 | US$947 | US$1,611 | US$1,937 | US$3,055 | US$5,894 | US$11,313 | US$17,207 |
| USD1,100 Deductible | US$566 | US$445 | US$461 | US$814 | US$966 | US$1,592 | US$3,057 | US$5,904 | US$9,086 |
| HKD8,800 Deductible | HK$4,528 | HK$3,560 | HK$3,688 | HK$6,512 | HK$7,728 | HK$12,736 | HK$24,456 | HK$47,232 | HK$72,688 |
| USD2,250 Deductible | US$445 | US$346 | US$360 | US$639 | US$758 | US$1,252 | US$2,411 | US$4,658 | US$7,253 |
| HKD18,000 Deductible | HK$3,560 | HK$2,768 | HK$2,880 | HK$5,112 | HK$6,064 | HK$10,016 | HK$19,288 | HK$37,264 | HK$58,024 |
| USD3,750 Deductible | US$382 | US$310 | US$317 | US$555 | US$679 | US$1,098 | US$2,143 | US$4,138 | US$6,437 |
| HKD30,000 Deductible | HK$3,056 | HK$2,480 | HK$2,536 | HK$4,440 | HK$5,432 | HK$8,784 | HK$17,144 | HK$33,104 | HK$51,496 |
| USD6,875 Deductible | US$284 | US$227 | US$233 | US$407 | US$498 | US$805 | US$1,571 | US$3,032 | US$4,717 |
| HKD55,000 Deductible | HK$2,272 | HK$1,816 | HK$1,864 | HK$3,256 | HK$3,984 | HK$6,440 | HK$12,568 | HK$24,256 | HK$37,736 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible | HK$9,352 | HK$7,336 | HK$7,576 | HK$12,888 | HK$15,496 | HK$24,440 | HK$47,152 | HK$90,504 | HK$137,656 |
| USD0 Deductible | US$1,169 | US$917 | US$947 | US$1,611 | US$1,937 | US$3,055 | US$5,894 | US$11,313 | US$17,207 |
| USD1,100 Deductible | US$566 | US$445 | US$461 | US$814 | US$966 | US$1,592 | US$3,057 | US$5,904 | US$9,086 |
| HKD8,800 Deductible | HK$4,528 | HK$3,560 | HK$3,688 | HK$6,512 | HK$7,728 | HK$12,736 | HK$24,456 | HK$47,232 | HK$72,688 |
| USD2,250 Deductible | US$445 | US$346 | US$360 | US$639 | US$758 | US$1,252 | US$2,411 | US$4,658 | US$7,253 |
| HKD18,000 Deductible | HK$3,560 | HK$2,768 | HK$2,880 | HK$5,112 | HK$6,064 | HK$10,016 | HK$19,288 | HK$37,264 | HK$58,024 |
| USD3,750 Deductible | US$382 | US$310 | US$317 | US$555 | US$679 | US$1,098 | US$2,143 | US$4,138 | US$6,437 |
| HKD30,000 Deductible | HK$3,056 | HK$2,480 | HK$2,536 | HK$4,440 | HK$5,432 | HK$8,784 | HK$17,144 | HK$33,104 | HK$51,496 |
| USD6,875 Deductible | US$284 | US$227 | US$233 | US$407 | US$498 | US$805 | US$1,571 | US$3,032 | US$4,717 |
| HKD55,000 Deductible | HK$2,272 | HK$1,816 | HK$1,864 | HK$3,256 | HK$3,984 | HK$6,440 | HK$12,568 | HK$24,256 | HK$37,736 |
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
- Oct 27, 2025
- Plan data updated
- 2026-04-25