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If you would like to proceed without appointed servicing Financial Planner, please visit AIA iShop at: https://aia.com.hk/en/buy-online

Lifetime protection for those who matter most

AIA Voluntary Health Insurance Flexi Scheme

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Do you have any AIA individual insurance policy?*

(Not applicable to Group Insurance, MPF, ORSO, Macau Pension and AIA Vitality Member account.)

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I confirm that I have read, understood and agreed to the Personal Information Collection Statement of AIA International Limited (Hong Kong Branch), AIA International Limited (Macau Branch), AIA Company Limited and/or AIA Company (Trustee) Limited, whichever is applicable (individually referred to as an "AIA Entity") (the "Statement").

I declare and agree that any personal data and other information relating to me or my policy(ies) or investment(s) contained in this application or collected, obtained, compiled or held by the relevant AIA Entity by any means from time to time may be collected and utilized in accordance with the Statement. I acknowledge and consent to the transfer of my personal data to parties within or outside Hong Kong for the purposes as set out in the Statement.

I agree to the relevant AIA Entity's use of my personal data for the above purposes in accordance with the Personal Information Collection Statement. I further consent to the relevant AIA Entity's use of my personal data provided above for the AIA Entity's financial planner to contact me.

AIA Voluntary Health Insurance Flexi Scheme

Enjoy quality medical cover, different plan options, network specialists service and more

Guaranteed renewal Whole life

Issue age 15 days to age 80

Brochure

Standard premium schedule

Policy contract

Learn more about smart bundled solutions

	Available for new application	Not available for new application
Ward Plan - USD	F00022-04-000-03	F00022-04-000-02
Ward Plan - HKD	F00022-01-000-03	F00022-01-000-02
Semi-Private Plan - USD	F00022-05-000-03	F00022-05-000-02
Semi-Private Plan - HKD	F00022-02-000-03	F00022-02-000-02
Standard Private Plan - USD	F00022-06-000-03	F00022-06-000-02
Standard Private Plan - HKD	F00022-03-000-03	F00022-03-000-02
Only available to "AIA Beyond Insurance" Promotion Campaign - Special Time-limited No Claim Discount Programme
Supplement – Special Time-limited No Claim Discount Endorsement (1 Special Claims Free Year)	-	Download
Supplement – Special Time-limited No Claim Discount Endorsement (2 Special Claims Free Years)	-	Download

Featured benefits

Lifetime guaranteed renewal

You can renew your cover every year for life with no annual or lifetime benefit limit

Supplemental major medical benefits (SMM)

Offers you extra support on top of the relevant maximum benefits for extra peace of mind

Cover on unknown pre-existing conditions

Provided from the 31^st day after your policy commences

No claim discount

If no claims are made for 3 consecutive policy years or more, you will be eligible for a premium discount on the next policy anniversary

Apply for a higher tax deduction

Enjoy tax deductions of up to HKD8,000 per insured person per year¹

Value-added service

Specialist Network

Multi-discipline specialist network to offer you high-quality medical services

For more detail

Medical Expense Pre-approval Service

To allow you to be in control of your day surgery or hospitalization expenses

For more detail

Cashless Hospitalisation

AIA will settle your medical expenses directly with the private hospital on your behalf

For more detail

Personal Medical Case Management Services with Rehabilitation Management

Provide online expert medical second opinionand rehabilitation recommendation with immediate support

For more detail

Telemedicine Service (only applicable to insured physically in Hong Kong)

Let you have a medical consultation and medication while staying at home

For more detail

Worldwide Emergency Assistance

24-hour worldwide assistance hotline

For more detail

Join AIA Vitality and enjoy an instant 10% premium discount

Once you join AIA Vitality*, you can enjoy an instant 10% premium discount for the first year. As long as you keep up a healthy lifestyle, you can even enjoy up to 15% lifelong premium discount**, while at the same time earning AIA Vitality Points and enjoying an array of rewards and offers to help you live a healthier lifestyle.

Please click here for further details.

The content of this website does not contain the full terms of the product and the full terms can be found in the policy contract. You have the right to request a sample of policy contract before committing to the purchase. Please note the relevant product risks. This product can be purchased as a basic plan or as an add-on plan.

Limited-time offers

Apply now to get up to 6 months premium refund.

Terms & conditions apply. Refer to the promotional leaflet for details.

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AIA Voluntary Health Insurance Privilege Ultra Scheme

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Benefit Term: Whole life
Issue Age: 15 days to age 80

OptimaCEO Medical Plan / OptimaCEO Medical Plan – First Gift

Benefit Term: Whole life
Issue Age: 15 days to age 70

AIA Voluntary Health Insurance Standard Scheme

Voluntary Health Insurance Scheme

Benefit Term: To age 100 of the insured
Issue Age: 15 days to age 80

CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5

Medical Protection

Benefit Term: Whole life
Issue Age: 15 days to age 70

Super Good Health Medical Plan 2

Medical Protection

For you

AIA Vitality

Benefit Term: Whole life
Issue Age: 15 days to age 70

Not initialised.

Certificate number and plan option

Certification Number and Plan Option	HKD	USD
Available for new application
Ward Plan:	F00022-01-000-03	F00022-04-000-03
Semi-Private Plan:	F00022-02-000-03	F00022-05-000-03
Standard Private Plan:	F00022-03-000-03	F00022-06-000-03
Not available for new application
Ward Plan:	F00022-01-000-02	F00022-04-000-02
Semi-Private Plan:	F00022-02-000-02	F00022-05-000-02
Standard Private Plan:	F00022-03-000-02	F00022-06-000-02
Product Nature	Medical protection insurance plan (Reimbursement)
Plan Type	Basic Plan and add-on plan

Notes

The above information is for Hong Kong only.
All information here is for reference only. The product information in this webpage does not contain the full terms of the product. For the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of the relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. 
You have the option to take up an AIA Voluntary Health Insurance Flexi Scheme as either a stand-alone insurance plan or as an add-on plan to specified basic plans.

Tax deductions is one of the allowable deductions from assessable income, it does not equate to a direct deduction from total tax payable. For details of tax deductions, please visit Inland Revenue Department (IRD) of HKSAR website and consult your tax and accounting advisors for tax advice.

* An annual membership fee will be charged for AIA Vitality and a member has to renew the AIA Vitality membership annually on time in order to maintain the membership and enjoy premium discount (if any) in the subsequent policy years. The membership fee of AIA Vitality may vary at any time without prior notice. Likewise, programme benefits may be added or removed without prior notice.

** Premium discount is only applicable to the standard premiums of selected AIA Vitality insurance products (including basic and add-on plans) and shall not apply to any extra premiums due to loading. In all circumstances, the premium discount will be calculated in accordance with the insured's AIA Vitality Status achieved on each policy anniversary. The policy anniversary of AIA Vitality selected insurance products and AIA Vitality membership anniversary may not be the same. For details and offers of AIA Vitality selected insurance products, please visit aia.com.hk/aiavitality.

Voluntary Health Insurance Scheme ("VHIS")

How can I enjoy tax deduction after applying for the AIA Voluntary Health Insurance Scheme

Does VHIS tax deduction apply to all AIA insurance products?

When can I apply for tax deduction after applying for AIA Voluntary Health Insurance Scheme?

What is the application process for VHIS tax deduction?

What documents do I need to submit to apply for VHIS tax deduction after applying for the AIA VHIS Plan?

Does the VHIS tax deduction overlap with other tax deductions?

If I have applied for multiple VHIS policies, can I enjoy the tax deduction of multiple policies at the same time?

Do you know what's VHIS?

Introduced by the Food and Health Bureau, Voluntary Health Insurance Scheme ("VHIS") is initiated mainly to enhance the protection level and premium transparency of hospital insurance plans. The first batch of VHIS Certified Plans will be fully launched on or after 1 April.

All VHIS Certified Plans must meet the following 10 Minimum Requirements, including (1) guaranteed renewal up to the age of 100; (2) no lifetime benefit limit*; (3) coverage extended to include hospitalisation and prescribed ambulatory procedures; (4) coverage of prescribed diagnostic imaging tests and non-surgical cancer treatments; (5) budget certainty, (6) adoption of standardised policy terms and conditions; (7) premium transparency, (8) minimum benefit limits; (9) cost-sharing restrictions; (10) coverage of pre-existing conditions.

There are two types of VHIS Certified Plans, namely the Standard Plan and the Flexi Plan: the Standard Plan provides a basic level of protection that meets but not exceed all VHIS Minimum Requirements; while the Flexi Plan provides enhanced hospital insurance benefits based on the Standard Plan product features – e.g. higher benefit limits and broader hospital benefit coverage. Certainly, premiums of the Flexi Plan will be higher than that of the Standard Plan.

Both the Standard Plan and the Flexi Plan are eligible to apply for tax deduction.

*Unless authorised by the Food and Health Bureau

Source: Voluntary Health Insurance Scheme official website and Legislative Council of the Hong Kong Special Administrative Region official website

Note:

The above information is provided for reference only. AIA HK is not liable for any damage or loss caused through use or misuse of any provided information in the above article.
AIA HK is not providing tax or accounting advice. Please consult your own tax and accounting advisors for any tax advice.

Do you know what's so special about VHIS?

Do you know what's the premium for VHIS Certified Plans?

Which should you choose, the Standard Plan or the Flexi Plan?

If you've purchased medical insurance, can you migrate your existing policy to a VHIS product?

Do you know how to calculate the tax-deductible amount of VHIS?

Can you claim for tax deduction on premiums paid for your family members?

Other related products

AIA Voluntary Health Insurance Privilege Ultra Scheme

Higher and wider protection against medical inflation

Cancer Guardian 3

A cancer reimbursement plan that combines innovative benefits – including financial support for cancer screening and experimental drugs – with one-stop personalised value-added services at affordable premiums

Health Journey Guardian

Comprehensive medical cover from prevention, prediction and diagnosis to treatment and recovery at affordable premiums

CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5

Provides prime protection to let you enjoy your lifestyle wherever you are in the world

GBA Health Connect Outpatient Plan

Local and cross-boundary outpatient cover for a worry-free health journey

Metro-Trio Medical & Critical Illness Protection Plan

The first in the market to offer individuals with “three high” conditions an all-round solution encompassing medical, critical illness and life protection

Lifetime protection for those who matter most

AIA Voluntary Health Insurance Flexi Scheme

Featured benefits

Value-added service

Specialist Network

Medical Expense Pre-approval Service

Cashless Hospitalisation

Personal Medical Case Management Services with Rehabilitation Management

Telemedicine Service (only applicable to insured physically in Hong Kong)

Worldwide Emergency Assistance

Join AIA Vitality and enjoy an instant 10% premium discount

Buy online

Limited-time offers

Compare similar products

AIA Voluntary Health Insurance Privilege Ultra Scheme

OptimaCEO Medical Plan / OptimaCEO Medical Plan – First Gift

AIA Voluntary Health Insurance Standard Scheme

CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5

Super Good Health Medical Plan 2

Certificate number and plan option

Voluntary Health Insurance Scheme ("VHIS")

How can I enjoy tax deduction after applying for the AIA Voluntary Health Insurance Scheme

Does VHIS tax deduction apply to all AIA insurance products?

When can I apply for tax deduction after applying for AIA Voluntary Health Insurance Scheme?

What is the application process for VHIS tax deduction?

What documents do I need to submit to apply for VHIS tax deduction after applying for the AIA VHIS Plan?

Does the VHIS tax deduction overlap with other tax deductions?

If I have applied for multiple VHIS policies, can I enjoy the tax deduction of multiple policies at the same time?

Do you know what's VHIS?

Do you know what's so special about VHIS?

Do you know what's the premium for VHIS Certified Plans?

Which should you choose, the Standard Plan or the Flexi Plan?

If you've purchased medical insurance, can you migrate your existing policy to a VHIS product?

Do you know how to calculate the tax-deductible amount of VHIS?

Can you claim for tax deduction on premiums paid for your family members?

Other related products

AIA Voluntary Health Insurance Privilege Ultra Scheme

Cancer Guardian 3

Health Journey Guardian

CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5

GBA Health Connect Outpatient Plan

Metro-Trio Medical & Critical Illness Protection Plan