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VHIS Flexi · F00081-03-000-01

AIA Voluntary Health Insurance SelectWise Scheme - HKD18,000 Deductible

AIA自願醫保睿選計劃 - 18,000港元自付費

AIA International Limited

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Your premium

HK$5,112 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$18,000

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$3,560
1	HK$3,560
2	HK$3,560
3	HK$3,560
4	HK$3,560
5	HK$3,264
6	HK$3,168
7	HK$3,064
8	HK$2,968
9	HK$2,872
10	HK$2,768
11	HK$2,768
12	HK$2,768
13	HK$2,768
14	HK$2,768
15	HK$2,768
16	HK$2,768
17	HK$2,768
18	HK$2,768
19	HK$2,880
20	HK$2,880
21	HK$2,928
22	HK$3,192
23	HK$3,312
24	HK$3,704
25	HK$3,896
26	HK$4,080
27	HK$4,520
28	HK$4,712
29	HK$4,944
30	HK$5,112
31	HK$5,160
32	HK$5,232
33	HK$5,312
34	HK$5,456
35	HK$5,528
36	HK$5,824
37	HK$5,824
38	HK$5,984
39	HK$5,984
40	HK$6,064
41	HK$6,496
42	HK$6,776
43	HK$7,088
44	HK$7,392
45	HK$7,840
46	HK$8,160
47	HK$8,720
48	HK$9,104
49	HK$9,536
50	HK$10,016
51	HK$10,856
52	HK$11,440
53	HK$12,416
54	HK$13,320
55	HK$14,168
56	HK$15,112
57	HK$16,072
58	HK$17,016
59	HK$18,248
60	HK$19,288
61	HK$20,440
62	HK$21,896
63	HK$23,816
64	HK$26,008
65	HK$28,000
66	HK$30,512
67	HK$32,264
68	HK$33,712
69	HK$35,464
70	HK$37,264
71	HK$39,712
72	HK$42,016
73	HK$43,888
74	HK$46,536
75	HK$48,976
76	HK$51,080
77	HK$53,032
78	HK$54,640
79	HK$56,472
80	HK$58,024
81	HK$59,912
82	HK$61,280
83	HK$62,280
84	HK$63,584
85	HK$66,544
86	HK$67,680
87	HK$68,704
88	HK$69,848
89	HK$70,976
90	HK$72,112
91	HK$73,448
92	HK$74,584
93	HK$75,520
94	HK$76,856
95	HK$77,480
96	HK$79,032
97	HK$79,960
98	HK$81,192
99	HK$82,224

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10 deductibles — same benefit schedule, premium scales with deductible

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HK$18K

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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.