AIA Voluntary Health Insurance Standard Scheme

AIA自願醫保標準計劃

AIA Voluntary Health Insurance Standard Scheme is a VHIS Standard plan offered by AIA International Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Jul 15, 2026.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$2,325 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	每日 $750 每保單年度最多 180 日
(b) Miscellaneous charges (b) 雜項開支	每保單年度 $14,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日 $750 每保單年度最多 180 日
(d) Specialist's fee (d) 專科醫生費	每保單年度 $4,300
(e) Intensive care (e) 深切治療	每日 $3,500 每保單年度最多 25 日
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	外科醫生費的 35%
(h) Operating theatre charges (h) 手術室費	外科醫生費的 35%
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	每保單年度 $20,000 設 30% 共同保險
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	每保單年度 $80,000
(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	每次 $580，每保單年度 $3,000  住院 / 日間手術前最多 1 次門診或急症診症  出院 / 日間手術後 90 日內最多 3 次跟進門診
(l) Psychiatric treatments (l) 精神科治療	每保單年度 $30,000
Event Benefits
Compassionate death benefit 身故恩恤賠償	$8,800

Basic Benefits

(a) Room and board
(a) 病房及膳食
每日 $750 每保單年度最多 180 日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度 $14,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日 $750 每保單年度最多 180 日
(d) Specialist's fee
(d) 專科醫生費
每保單年度 $4,300
(e) Intensive care
(e) 深切治療
每日 $3,500 每保單年度最多 25 日
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
外科醫生費的 35%
(h) Operating theatre charges
(h) 手術室費
外科醫生費的 35%
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
每保單年度 $20,000 設 30% 共同保險
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
每保單年度 $80,000
(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
每次 $580，每保單年度 $3,000  住院 / 日間手術前最多 1 次門診或急症診症  出院 / 日間手術後 90 日內最多 3 次跟進門診
(l) Psychiatric treatments
(l) 精神科治療
每保單年度 $30,000

Event Benefits

Compassionate death benefit
身故恩恤賠償
$8,800

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$3,132	HK$2,508
1	HK$3,132	HK$2,508
2	HK$3,132	HK$2,508
3	HK$3,132	HK$2,508
4	HK$3,132	HK$2,508
5	HK$1,781	HK$1,940
6	HK$1,781	HK$1,940
7	HK$1,781	HK$1,940
8	HK$1,781	HK$1,940
9	HK$1,781	HK$1,940
10	HK$1,781	HK$1,940
11	HK$1,781	HK$1,940
12	HK$1,781	HK$1,940
13	HK$1,781	HK$1,940
14	HK$1,781	HK$1,940
15	HK$1,781	HK$1,940
16	HK$1,934	HK$2,020
17	HK$1,940	HK$2,050
18	HK$1,970	HK$2,093
19	HK$1,970	HK$2,158
20	HK$1,970	HK$2,232
21	HK$2,042	HK$2,452
22	HK$2,050	HK$2,570
23	HK$2,058	HK$2,690
24	HK$2,102	HK$2,802
25	HK$2,117	HK$2,916
26	HK$2,162	HK$3,067
27	HK$2,191	HK$3,211
28	HK$2,234	HK$3,333
29	HK$2,271	HK$3,453
30	HK$2,325	HK$3,586
31	HK$2,369	HK$3,677
32	HK$2,406	HK$3,766
33	HK$2,442	HK$3,870
34	HK$2,481	HK$3,938
35	HK$2,541	HK$4,042
36	HK$2,601	HK$4,133
37	HK$2,676	HK$4,222
38	HK$2,742	HK$4,304
39	HK$2,840	HK$4,416
40	HK$2,959	HK$4,626
41	HK$3,132	HK$5,037
42	HK$3,386	HK$5,462
43	HK$3,610	HK$5,754
44	HK$3,841	HK$5,986
45	HK$4,042	HK$6,187
46	HK$4,170	HK$6,239
47	HK$4,304	HK$6,285
48	HK$4,439	HK$6,315
49	HK$4,588	HK$6,338
50	HK$4,805	HK$6,338
51	HK$5,134	HK$6,456
52	HK$5,448	HK$6,561
53	HK$5,784	HK$6,689
54	HK$6,135	HK$6,875
55	HK$6,524	HK$7,070
56	HK$6,830	HK$7,212
57	HK$7,174	HK$7,398
58	HK$7,533	HK$7,607
59	HK$7,929	HK$7,906
60	HK$8,466	HK$8,354
61	HK$9,102	HK$8,915
62	HK$9,647	HK$9,423
63	HK$10,170	HK$9,968
64	HK$10,626	HK$10,432
65	HK$11,403	HK$11,216
66	HK$11,830	HK$11,717
67	HK$12,374	HK$12,240
68	HK$12,973	HK$12,816
69	HK$13,594	HK$13,414
70	HK$14,228	HK$14,048
71	HK$15,109	HK$14,938
72	HK$16,074	HK$15,850
73	HK$17,053	HK$16,836
74	HK$18,084	HK$17,838
75	HK$18,869	HK$18,644
76	HK$19,676	HK$19,459
77	HK$20,527	HK$20,310
78	HK$21,440	HK$21,193
79	HK$22,366	HK$22,127
80	HK$23,315	HK$23,091
81	HK$24,331	HK$24,070
82	HK$25,354	HK$25,101
83	HK$26,431	HK$26,162
84	HK$27,559	HK$27,268
85	HK$28,726	HK$28,404
86	HK$29,203	HK$28,919
87	HK$29,697	HK$29,383
88	HK$30,167	HK$29,868
89	HK$30,675	HK$30,354
90	HK$31,176	HK$30,840
91	HK$31,677	HK$31,333
92	HK$32,162	HK$31,833
93	HK$32,663	HK$32,357
94	HK$33,186	HK$32,842
95	HK$33,694	HK$33,336
96	HK$34,218	HK$33,858
97	HK$34,762	HK$34,344
98	HK$35,316	HK$34,861
99	HK$35,839	HK$35,406

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: Jul 15, 2026
Last verified: 2026-07-18