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VHIS Flexi · F00081-06-000-01

AIA Voluntary Health Insurance SelectWise Scheme - USD0 Deductible

AIA自願醫保睿選計劃 - 0美元自付費

AIA International Limited

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Your premium

US$1,611 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

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	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US$80• 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 $5,000
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 $20,000 (ii) 每次乳房切除術 $20,000
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 $12,000
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US$125 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US$75
Cancer / cardiac / stroke rehabilitation benefit 康復惠益	每保單年度 $10,000 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 $10,000
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	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$300 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US$150 Non-network: 每項手術US$100 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$75 每保單年度最多90日
Hospital transport cash allowance 交通費用津貼惠益	每日$63 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	$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
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US$80• 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 $5,000

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 $20,000 (ii) 每次乳房切除術 $20,000
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 $12,000
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US$125
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US$75
Cancer / cardiac / stroke rehabilitation benefit
康復惠益
每保單年度 $10,000 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 $10,000
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
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$300 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US$150
Non-network: 每項手術US$100 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$75 每保單年度最多90日
Hospital transport cash allowance
交通費用津貼惠益
每日$63 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
$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

Age	Premium
0	US$1,169
1	US$1,169
2	US$1,169
3	US$1,169
4	US$1,169
5	US$1,127
6	US$1,085
7	US$1,043
8	US$1,001
9	US$959
10	US$917
11	US$917
12	US$917
13	US$917
14	US$917
15	US$917
16	US$917
17	US$917
18	US$917
19	US$927
20	US$947
21	US$972
22	US$1,018
23	US$1,074
24	US$1,123
25	US$1,224
26	US$1,317
27	US$1,412
28	US$1,499
29	US$1,565
30	US$1,611
31	US$1,656
32	US$1,679
33	US$1,724
34	US$1,791
35	US$1,824
36	US$1,825
37	US$1,859
38	US$1,905
39	US$1,915
40	US$1,937
41	US$1,992
42	US$2,077
43	US$2,170
44	US$2,321
45	US$2,461
46	US$2,577
47	US$2,685
48	US$2,791
49	US$2,924
50	US$3,055
51	US$3,325
52	US$3,574
53	US$3,817
54	US$4,110
55	US$4,399
56	US$4,658
57	US$4,959
58	US$5,189
59	US$5,534
60	US$5,894
61	US$6,266
62	US$6,691
63	US$7,245
64	US$7,946
65	US$8,587
66	US$9,318
67	US$9,868
68	US$10,279
69	US$10,812
70	US$11,313
71	US$12,054
72	US$12,721
73	US$13,378
74	US$14,060
75	US$14,718
76	US$15,507
77	US$16,127
78	US$16,733
79	US$16,858
80	US$17,207
81	US$18,377
82	US$18,732
83	US$19,065
84	US$19,367
85	US$20,393
86	US$20,768
87	US$21,097
88	US$21,423
89	US$21,767
90	US$22,111
91	US$22,470
92	US$22,798
93	US$23,142
94	US$23,517
95	US$23,860
96	US$24,219
97	US$24,516
98	US$24,874
99	US$25,234

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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.