Hong Kong

Complete control for total peace of mind

Our worldwide medical protection with guaranteed renewal lifetime coverage of up to
HK$/MOP50,000,000 allows you to live each moment fully.

Your career and family all require attention and dedication, leaving you with little time for yourself. To allow you to focus on the most important aspects of your life, you need a comprehensive and flexible medical plan that will take care of your health and give you real peace of mind.

Because life is uncertain, AIA strives to offer you protection for your medical needs, letting you build a secure and successful future with confidence. Our CEO Medical Plan (Worldwide) 2 is tailor-made to fit your lifestyle. It offers comprehensive coverage for hospitalization and surgeries, outpatient consultations and dental treatment, with full cover for many major benefit items1. Wherever you are, you can rest assured that you are well covered.

1 Subject to a maximum Annual Limit of HK$/MOP20,000,000, an Overall Lifetime Limit of HK$/MOP50,000,000, and the terms, conditions and exclusions of the Policy. Certain other benefit items are subject to respective coverage / maximum limits set out in the Schedule of Benefits attached to the Policy.


Important Notes

• This webpage is for general information purposes only. It is not a contract of insurance nor does it form any part of the Policy contract. Details are subject to the terms, conditions, provisions and exclusions of the Policy contract.

• Benefits are only payable with respect to illness that commences 30 days after the later of the Issue Date or the latest Commencement Date of this cover, whereas immediate coverage is provided for any injury caused by accident which occurs after the later of the Issue Date or the latest Commencement Date of this cover.

• Investigation, treatment or surgery for tonsils, adenoids, hernia and disease peculiar to the female generative organs are covered if this cover has continuously been in-force for 120 days before such investigation, treatment or surgery.

• “Reasonable and Customary” charges are the expense which (a) is charged for treatment, supplies (inclusive of medication) or medical services that are Medically Necessary and in accordance with standards of good medical practice for the care of an injured or ill person under the care, supervision or order of a Registered Medical Practitioner; (b) does not exceed the usual level of charges for similar treatment, supplies (inclusive of medication) or medical services in the locality where the expense is incurred, which for the avoidance of doubt, shall not exceed the level of such charges applicable to a Standard Private Room for treatment, supplies (inclusive of medication) or medical services provided during a covered Confinement; and (c) does not include charges that would not have been made if no insurance existed. AIA may determine whether any particular Hospital / medical charge is a Reasonable and Customary charge with reference but not limited to any relevant publication or information made available, such as schedule of fees, by the government, relevant authorities and recognized medical association in the locality. AIA may also adjust any and all benefits payable in relation to any Hospital / medical charges which is not a Reasonable and Customary charge.

• “Reasonable and customary Hospital Confinement” means a Confinement in Hospital for Injury or illness is Medically Necessary, where the admission of the Insured, length of Confinement, and medical services and treatment received during Confinement (a) are all in accordance with standards of good medical practice and (b) do not exceed the usual standard for the treatment if similar Injury or illness at the location where such Confinement takes place. For the avoidance of doubt, a Confinement is not a Reasonable and Customary Hospital Confinement if it is in respect of a medical procedure or treatment which, having regard to standards of good medical practice is routinely performed on other patients on an outpatient basis and (ii) could reasonable have been performed on the Insured as an Outpatient.

• The Insured is regarded to have taken up residence in North America or Western Europe if s/he has been present in North America or Western Europe for a period of 365 or more consecutive days, including the days of arrival and departure. If the Insured takes up residence in North America or Western Europe, commencing from the date of such taking up of residence, with respect to any covered Confinement, surgery and / or medical treatment which takes place in North America or Western Europe (as the case may be), any benefits payable under Parts I-V of the core benefits and any optional benefits payable under any supplementary contracts attached to the core benefits shall be permanently reduced to sixty percent (60%) of the relevant reimbursable charges. However, the Annual Limit and Overall Lifetime Limit shown on the Schedule of Benefits as well as any selected deductible amount will remain unchanged. “North America” means the United States and Canada. “Western Europe” means Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City.

• The benefits payable is cap at the charge level of Standard Private Room. If the Insured is confined in a room of a class higher than Standard Private Room, the benefits payable will be adjusted. Adjustment Factor is calculated by dividing the daily room charge of a Standard Private Room in the Hospital admitted by the Insured by the daily actual room charge of each such days of Confinement. "Standard Private Room" means a basic single occupancy room with adjoining bathroom in a Hospital. For the avoidance of doubt, Standard Private Room does not include any room with amenities upgraded beyond a basic single occupancy room with adjoining bathroom, in a Hospital.

Worry-free Worldwide Cover
Subject to an Overall Lifetime Limit of HK$/MOP50,000,000, we will cover medical costs incurred in any coverage year up to the maximum Annual Limit of HK$/MOP20,000,000. These include hospital daily room and board charges, surgical charges, physicians’ and specialists’ fees, intensive care unit charges, chemotherapy and radiotherapy treatment.

Lifetime Guaranteed Renewable Cover1
A truly rewarding life should be free from worries, particularly after your retirement. Our CEO Medical Plan (Worldwide) 2 coverage is guaranteed to be renewable every year1, to provide you with whole life protection.

Outpatient Surgical Benefits
Thanks to advances in medical technology, many clinics or day surgery centres are now equipped with appropriate medical facilities for outpatient surgeries. Minor surgeries carried out in clinics or day surgery centres are generally as safe as those carried out in hospitals as an inpatient. Minor surgeries done in clinics or in day surgery centres can save time and are convenient, reducing unnecessary hospitalization and tedious hospital admission procedures. We will cover the costs of outpatient surgeries and related consultation fees, providing a comprehensive coverage for your needs.

Specialist Network2
AIA has specially selected a medical network made up of independent, multi-disciplinary specialists who are committed to delivering high quality, efficient and professional services. This value added service is aimed at giving you a greater peace of mind whenever you need further information or medical assistance and provides:

  • a dedicated 24-hour medical service hotline to provide you with support at any time of the day or night
  • priority appointment booking at our network of clinics when seeking a medical consultation
  • a highly equipped day surgery centre – an alternative to hospitals
  • help with your hospital admission if required and provide assistance for the credit facility arrangement

Credit Facility Arrangement for Hospitalization3
In the event that you are hospitalized, we offer credit facility arrangement for your complete peace of mind.

Once this credit facility service has been successfully arranged, we will settle payment directly with the hospital for medical expenses incurred during hospitalization on your behalf – saving you the hassle of having to settle hospital bills and make a subsequent claim.

Post-Hospitalization Benefits
Post-Hospitalization care is critical to recovery. We provide the following benefits to help you obtain the very best care available:

  • Post-Hospitalization / Outpatient Surgery Outpatient Consultation
  • Post-Surgery Home Nursing Benefit
  • Rehabilitation Benefit
  • Hospice Care Benefit

Extended Benefit Cover
With AIA, you will always get the right protection when you need it most. We offer the following extended benefits to help cover you under more circumstances:

  • Pre-Hospitalization / Outpatient Surgery Outpatient Consultation
  • Chemotherapy and Radiotherapy Benefit
  • Dialysis Benefit
  • HIV / AIDS Treatment Benefit (available after five years of continuous cover)
  • Mental or Nervous Disorder Benefit

Reconstructive Surgery Benefit
To provide you with better protection, we will also reimburse the surgical expenses incurred in the unfortunate event that Reconstructive Surgery is required due to a Covered Injury caused by an Accident or after mastectomy to restore the function of a body part or the appearance. The cost of external or prosthetic device or reconstructive materials implanted as part of the surgery is also covered.

Optional Benefits
We understand that you look for flexibility when addressing your medical needs. We offer riders (optional benefits) for outpatient and dental coverage4 that you can choose according to your individual needs. Under our outpatient rider, you will be fully reimbursed for up to 45 outpatient consultation visits per year, and can be fully reimbursed for diagnostic procedures and laboratory tests. We also cover your medical checkup and vaccination costs up to HK$/MOP2,400 per year. Under our dental rider, your dental treatment is fully covered up to a limit of HK$/MOP12,000 per year.

Compassionate Death Benefit
Unpredictable events can put enormous financial strain on your family. In the unfortunate event of death while you are protected by this plan, we will provide a Compassionate Death Benefit to your nominated beneficiary, regardless of the cause of death.

Worldwide Emergency Assistance Services
You are covered for up to HK$/MOP1,000,000 of emergency assistance services under this plan. If you suffer serious injury or sickness while travelling outside Hong Kong or Macau, our service provider, AIA International Assistance Services (“AIAS”), can arrange for emergency medical evacuation to the nearest appropriate medical facility, if necessary.

If you are hospitalized for more than five consecutive days, we will arrange for an immediate family member to look after you (if you are not already accompanied by a family member) and / or arrange for the return of any minor children to Hong Kong or Macau (if they are travelling with you on the trip). In the event of death while the Insured is outside Hong Kong or Macau, AIAS will arrange for the repatriation of the remains.

Different plans to fit different needs
We offer three plans with different levels of deductibles to best suit your lifestyle and needs. Whether you are looking for full protection or need top-up cover to supplement your current medical plan, you can rest assured that you will be well cared for with the CEO Medical Plan (Worldwide) 2.

Inaddition, if you are not planning to seek medical care in the United States, you can select our CEO Medical Plan 2, which excludes coverage from the United States. You will still enjoy the same benefits in other countries as you do under the worldwide plan, but at a more attractive premium.

Flexible versions available to suit your needs
AIA understands your need to obtain high-quality medical coverage. We also understand, however, that you may worry about the financial burden of medical costs. To provide you with more flexibility on your medical protection, you can take up the CEO Medical Plan (Worldwide) 2 either as a standalone insurance policy, or as a rider5 on specified basic life insurance plans.

1 This cover may be renewed annually during the lifetime of the Insured provided this plan continues to be available. The renewal premium will be based on the attained age of the Insured and the applicable premium table upon renewal. Such premium table is not guaranteed and is subject to change. The Company reserves the right to revise it from time to time. The Company also reserves the right to revise the benefit structure and / or any other product features as determined by us, on any Policy Anniversary Date or renewal by giving a 30-day prior written notice. You may renew this cover by advance payment of the appropriate annual premiums on each Policy Anniversary. We reserve the right to determine the terms and conditions for renewal.

2 This medical network service is not a contractual service. It is subject to termination at any time without prior notice.

3 The “Credit Facility Service for Hospitalization” is not a contractual service but an administrative arrangement offered in our absolute discretion with respect of covered expenses incurred during the Insured’s Confinement in Hospital. It is subject to termination at any time without prior notice. Besides, if the hospital expenses incurred have exceeded the eligible claim amount, the shortfall will be borne by the Policy Owner.

4 Outpatient rider shall be attached at the same time.

5 This supplementary contract may be renewed annually subject to the terms and conditions of the Company and shall be ended upon basic plan termination. The renewal premium will be based on the attained age of the Insured and the applicable premium table upon renewal. Such premium table is not guaranteed and is subject to change. The Company reserves the right to revise it from time to time. The Company also reserves the right to revise the cover area, premium and / or any other product features as determined by us, by giving a 30-day prior written notice.


Important Notes

• This webpage is for general information purposes only. It is not a contract of insurance nor does it form any part of the Policy contract. Details are subject to the terms, conditions, provisions and exclusions of the Policy contract.

• Benefits are only payable with respect to illness that commences 30 days after the later of the Issue Date or the latest Commencement Date of this cover, whereas immediate coverage is provided for any injury caused by accident which occurs after the later of the Issue Date or the latest Commencement Date of this cover.

• Investigation, treatment or surgery for tonsils, adenoids, hernia and disease peculiar to the female generative organs are covered if this cover has continuously been in-force for 120 days before such investigation, treatment or surgery.

• “Reasonable and Customary” charges are the expense which (a) is charged for treatment, supplies (inclusive of medication) or medical services that are Medically Necessary and in accordance with standards of good medical practice for the care of an injured or ill person under the care, supervision or order of a Registered Medical Practitioner; (b) does not exceed the usual level of charges for similar treatment, supplies (inclusive of medication) or medical services in the locality where the expense is incurred, which for the avoidance of doubt, shall not exceed the level of such charges applicable to a Standard Private Room for treatment, supplies (inclusive of medication) or medical services provided during a covered Confinement; and (c) does not include charges that would not have been made if no insurance existed. AIA may determine whether any particular Hospital / medical charge is a Reasonable and Customary charge with reference but not limited to any relevant publication or information made available, such as schedule of fees, by the government, relevant authorities and recognized medical association in the locality. AIA may also adjust any and all benefits payable in relation to any Hospital / medical charges which is not a Reasonable and Customary charge.

• “Reasonable and customary Hospital Confinement” means a Confinement in Hospital for Injury or illness is Medically Necessary, where the admission of the Insured, length of Confinement, and medical services and treatment received during Confinement (a) are all in accordance with standards of good medical practice and (b) do not exceed the usual standard for the treatment if similar Injury or illness at the location where such Confinement takes place. For the avoidance of doubt, a Confinement is not a Reasonable and Customary Hospital Confinement if it is in respect of a medical procedure or treatment which, having regard to standards of good medical practice is routinely performed on other patients on an outpatient basis and (ii) could reasonable have been performed on the Insured as an Outpatient.

• The Insured is regarded to have taken up residence in North America or Western Europe if s/he has been present in North America or Western Europe for a period of 365 or more consecutive days, including the days of arrival and departure. If the Insured takes up residence in North America or Western Europe, commencing from the date of such taking up of residence, with respect to any covered Confinement, surgery and / or medical treatment which takes place in North America or Western Europe (as the case may be), any benefits payable under Parts I-V of the core benefits and any optional benefits payable under any supplementary contracts attached to the core benefits shall be permanently reduced to sixty percent (60%) of the relevant reimbursable charges. However, the Annual Limit and Overall Lifetime Limit shown on the Schedule of Benefits as well as any selected deductible amount will remain unchanged. “North America” means the United States and Canada. “Western Europe” means Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City.

• The benefits payable is cap at the charge level of Standard Private Room. If the Insured is confined in a room of a class higher than Standard Private Room, the benefits payable will be adjusted. Adjustment Factor is calculated by dividing the daily room charge of a Standard Private Room in the Hospital admitted by the Insured by the daily actual room charge of each such days of Confinement. "Standard Private Room" means a basic single occupancy room with adjoining bathroom in a Hospital. For the avoidance of doubt, Standard Private Room does not include any room with amenities upgraded beyond a basic single occupancy room with adjoining bathroom, in a Hospital.