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AIA Voluntary Health Insurance SelectWise Scheme - HKD0 Deductible
AIA自願醫保睿選計劃 - 0 港元自付費
AIA Voluntary Health Insurance SelectWise Scheme - HKD0 Deductible 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: Oct 27, 2025.
Your premium
HK$12,888 /yr
age
HK$Plan at a glance
- Ward class
- At designated (network) provider：Semi-Private Room
- At non-network provider：Ward
- Coverage region
- Asia incl. AU/NZ
- Deductible
- $0
- 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 | 全數賠償R&C |
(b) Miscellaneous charges (b) 雜項開支 | 全數賠償R&C |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | 全數賠償R&C |
(d) Specialist's fee (d) 專科醫生費 | 全數賠償R&C |
(e) Intensive care (e) 深切治療 | 全數賠償R&C |
(f) Surgeon's fee (f) 外科醫生費 | 不論手術的分類全數賠償R&C |
(g) Anaesthetist's fee (g) 麻醉科醫生費 | 全數賠償R&C |
(h) Operating theatre charges (h) 手術室費 | 全數賠償R&C |
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測 | 全數賠償R&C |
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療 | 全數賠償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 coverage• All consultations / A&E within 30 days pre-admission (or 1 visit beyond 30 days)• All follow-up consultations within 90 days post-discharge (intermediate / minor / non-surgical), or within 365 days (complex / major)R&C Non-network: 每次$640• 入院前1次門診或急症診症• 出院後90日內或365日內共3次跟進門診 |
(l) Psychiatric treatments (l) 精神科治療 | 每保單年度 $40,000 |
| Extra Benefits | |
Private nursing fee (during Confinement) 私家看護費用 | 全數賠償 每保單年度最多30日R&C |
Outpatient kidney dialysis 透析費用惠益 | 全數賠償R&C |
Home nursing 出院後家中看護惠益 | 全數賠償 每保單年度最多196日（手術後或入住深切治療部後而出院之196日內）R&C |
Reconstructive surgery for specified conditions 重建手術惠益 | (i) 每次意外 $160,000 (ii) 每次乳房切除術 $160,000 |
Reconstructive surgery medical device benefit 重建手術的醫療裝置費用惠益 | 每保單年度每項 $96,000 |
Emergency outpatient treatment for Accident 意外急症門診治療費用賠償 | 全數賠償 意外發生後24小時內R&C |
Organ transplant donor benefit 捐贈者費用 | 器官移植手術費用總和的30% |
Hospital companion bed fee reimbursement 住院陪床惠益 | 全數賠償R&C |
Chinese Medicine Practitioner outpatient care 中醫的門診護理 | 每次$1,000 Non-network: 每日一次跟進門診，每次出院／完成日間手術後90日內最多20次跟進門診，非網絡保障：每次$600 |
Rehabilitation benefit 康復惠益 | 每保單年度 $80,000 每保單年度最多60日 |
Hospice and palliative care benefit 善終關懷服務惠益 | 每保單年度 $80,000 |
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 | 全數賠償 意外發生後3個月內R&C |
Personal medical case management services 個人療程管理服務 | 可提供R&C |
Complications of pregnancy 妊娠併發症惠益 | 根據保障項目 I (a) – (i)、(k)、(m)、(o) 及／或 II (b) 的相關賠償限額支付 |
| Cash Benefits | |
Lower ward class cash benefit 次級病房級別現金惠益 | 每日$2,400 每保單年度最多60日 |
Day surgery cash benefit 日間手術現金惠益 | 每項手術$1,200 Non-network: 每項手術$800 每保單年度最多一項手術 |
Second-claim cash allowanceAfter other pays 優化賠償津貼惠益 | 每日$600 每保單年度最多90日 |
Hospital transport cash allowance 交通費用津貼惠益 | 每日$500 每保單年度最多4日 |
| 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) 病房及膳食全數賠償R&C
- (b) Miscellaneous charges(b) 雜項開支全數賠償R&C
- (c) Attending doctor's visit fee(c) 主診醫生巡房費全數賠償R&C
- (d) Specialist's fee(d) 專科醫生費全數賠償R&C
- (e) Intensive care(e) 深切治療全數賠償R&C
- (f) Surgeon's fee(f) 外科醫生費不論手術的分類全數賠償R&C
- (g) Anaesthetist's fee(g) 麻醉科醫生費全數賠償R&C
- (h) Operating theatre charges(h) 手術室費全數賠償R&C
- (i) Prescribed Diagnostic Imaging Tests(i) 訂明診斷成像檢測全數賠償R&C
- (j) Prescribed Non-surgical Cancer Treatments(j) 訂明非手術癌症治療全數賠償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 coverage• All consultations / A&E within 30 days pre-admission (or 1 visit beyond 30 days)• All follow-up consultations within 90 days post-discharge (intermediate / minor / non-surgical), or within 365 days (complex / major)R&CNon-network: 每次$640• 入院前1次門診或急症診症• 出院後90日內或365日內共3次跟進門診
- (l) Psychiatric treatments(l) 精神科治療每保單年度 $40,000
Extra Benefits
- Private nursing fee (during Confinement)私家看護費用全數賠償 每保單年度最多30日R&C
- Outpatient kidney dialysis透析費用惠益全數賠償R&C
- Home nursing出院後家中看護惠益全數賠償 每保單年度最多196日（手術後或入住深切治療部後而出院之196日內）R&C
- Reconstructive surgery for specified conditions重建手術惠益(i) 每次意外 $160,000 (ii) 每次乳房切除術 $160,000
- Reconstructive surgery medical device benefit重建手術的醫療裝置費用惠益每保單年度每項 $96,000
- Emergency outpatient treatment for Accident意外急症門診治療費用賠償全數賠償 意外發生後24小時內R&C
- Organ transplant donor benefit捐贈者費用器官移植手術費用總和的30%
- Hospital companion bed fee reimbursement住院陪床惠益全數賠償R&C
- Chinese Medicine Practitioner outpatient care中醫的門診護理每次$1,000Non-network: 每日一次跟進門診，每次出院／完成日間手術後90日內最多20次跟進門診，非網絡保障：每次$600
- Rehabilitation benefit康復惠益每保單年度 $80,000 每保單年度最多60日
- Hospice and palliative care benefit善終關懷服務惠益每保單年度 $80,000
- 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全數賠償 意外發生後3個月內R&C
- Personal medical case management services個人療程管理服務可提供R&C
- Complications of pregnancy妊娠併發症惠益根據保障項目 I (a) – (i)、(k)、(m)、(o) 及／或 II (b) 的相關賠償限額支付
Cash Benefits
- Lower ward class cash benefit次級病房級別現金惠益每日$2,400 每保單年度最多60日
- Day surgery cash benefit日間手術現金惠益每項手術$1,200Non-network: 每項手術$800 每保單年度最多一項手術
- Second-claim cash allowanceAfter other pays優化賠償津貼惠益每日$600 每保單年度最多90日
- Hospital transport cash allowance交通費用津貼惠益每日$500 每保單年度最多4日
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$9,352 |
| 5 | HK$9,016 |
| 10 | HK$7,336 |
| 15 | HK$7,336 |
| 20 | HK$7,576 |
| 25 | HK$9,792 |
| 30 | HK$12,888 |
| 35 | HK$14,592 |
| 40 | HK$15,496 |
| 45 | HK$19,688 |
| 50 | HK$24,440 |
| 55 | HK$35,192 |
| 60 | HK$47,152 |
| 65 | HK$68,696 |
| 70 | HK$90,504 |
| 75 | HK$117,744 |
| 80 | HK$137,656 |
| 85 | HK$163,144 |
| 90 | HK$176,888 |
| 95 | HK$190,880 |
| 99 | HK$201,872 |
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.
Other deductible options in this series
10 deductibles — same benefit schedule, premium scales with deductible
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
- Oct 27, 2025
- Plan data updated
- 2026-04-25