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VHIS Flexi · F00081-01-000-01

AIA Voluntary Health Insurance SelectWise Scheme - HKD0 Deductible

AIA自願醫保睿選計劃 - 0 港元自付費

AIA International Limited

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Your premium

HK$12,888 /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	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
Daily post-surgery home nursing benefit 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
Cancer / cardiac / stroke 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&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
Daily post-surgery home nursing benefit
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
Cancer / cardiac / stroke 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

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$9,352
1	HK$9,352
2	HK$9,352
3	HK$9,352
4	HK$9,352
5	HK$9,016
6	HK$8,680
7	HK$8,344
8	HK$8,008
9	HK$7,672
10	HK$7,336
11	HK$7,336
12	HK$7,336
13	HK$7,336
14	HK$7,336
15	HK$7,336
16	HK$7,336
17	HK$7,336
18	HK$7,336
19	HK$7,416
20	HK$7,576
21	HK$7,776
22	HK$8,144
23	HK$8,592
24	HK$8,984
25	HK$9,792
26	HK$10,536
27	HK$11,296
28	HK$11,992
29	HK$12,520
30	HK$12,888
31	HK$13,248
32	HK$13,432
33	HK$13,792
34	HK$14,328
35	HK$14,592
36	HK$14,600
37	HK$14,872
38	HK$15,240
39	HK$15,320
40	HK$15,496
41	HK$15,936
42	HK$16,616
43	HK$17,360
44	HK$18,568
45	HK$19,688
46	HK$20,616
47	HK$21,480
48	HK$22,328
49	HK$23,392
50	HK$24,440
51	HK$26,600
52	HK$28,592
53	HK$30,536
54	HK$32,880
55	HK$35,192
56	HK$37,264
57	HK$39,672
58	HK$41,512
59	HK$44,272
60	HK$47,152
61	HK$50,128
62	HK$53,528
63	HK$57,960
64	HK$63,568
65	HK$68,696
66	HK$74,544
67	HK$78,944
68	HK$82,232
69	HK$86,496
70	HK$90,504
71	HK$96,432
72	HK$101,768
73	HK$107,024
74	HK$112,480
75	HK$117,744
76	HK$124,056
77	HK$129,016
78	HK$133,864
79	HK$134,864
80	HK$137,656
81	HK$147,016
82	HK$149,856
83	HK$152,520
84	HK$154,936
85	HK$163,144
86	HK$166,144
87	HK$168,776
88	HK$171,384
89	HK$174,136
90	HK$176,888
91	HK$179,760
92	HK$182,384
93	HK$185,136
94	HK$188,136
95	HK$190,880
96	HK$193,752
97	HK$196,128
98	HK$198,992
99	HK$201,872

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

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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: Oct 27, 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.