AIA Voluntary Health Insurance Privilege Scheme

Apply now to enjoy up to 7 months premium refund1

AIA continues to be the most preferred brand^ for the Voluntary Health Insurance Scheme in Hong Kong. Terms & conditions apply. Details please refer to the promotion leaflet.

Tax deduction tips

VHIS

Medical coverage for you and your family with tax deduction ceiling of HK$8,000 per insured person.

MPF TVC & Deferred Annuity

Tax deduction up to HK$60,000 per taxpayer each year.

Voluntary Health Insurance Scheme ("VHIS")

Do you know what's VHIS?

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Do you know what's so special about VHIS?

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

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

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

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

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

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MPF Tax Deductible Voluntary Contributions ("MPF TVC") & Deferred Annuity ("DA")

Do you know what's MPF TVC?

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Do you know what sets the existing Special Voluntary Contributions and the Employee Voluntary Contributions in Current Employment apart?

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Do I need to set up another MPF account for Tax Deductible Voluntary Contributions?

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Can I claim for tax deduction for annuity premiums?

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Do you know what's the aggregate tax deduction limit for Tax Deductible Voluntary Contributions and Deferred Annuity?

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Do you know when will the Tax Deductible Voluntary Contributions come into effect?

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Can I set up a Tax Deductible Voluntary Contributions account?

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When can I withdraw the accrued benefits from my Tax Deductible Voluntary Contributions account?

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    VHIS

    MPF TVC

    Deferred Annuity

This plan can only be purchased as a rider
Your good health is your greatest wealth. When you live a life of success, you need medical protection that can match your pace. AIA Voluntary Health Insurance Privilege Scheme offers advanced medical protection throughout Asia with lifetime guaranteed renewal, offering you the privileged support you need to achieve more in life. With AIA Voluntary Health Insurance Privilege Scheme, you can enjoy full reimbursement with no itemised benefit sublimit for major medical expenses, hospital stays in a semi-private room or standard private room (depending on confinement location), full cover for non-surgical cancer treatment and extended support in the hospital and beyond. Embark on a journey of healthy living with no claim medical check-up services if no claims is paid, plus an instant 10% premium discount for the first year for AIA Vitality members.
 
AIA Voluntary Health Insurance Privilege Scheme is a Certified Plan under Voluntary Health Insurance Scheme (VHIS) with premiums that are eligible to be deducted from your annual taxable income. Taxpayer who is the policyholder can apply for a tax deduction# of up to HKD8,000 per insured person, which the insured person of the Certified Plan should be the taxpayer himself or any specified relatives*, in each assessment year, and there is no cap on the number of specified relatives*. This way, you can enjoy superb medical cover that meets your needs, with tax deduction benefits.
# 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.
* Specified relatives are defined under Inland Revenue Ordinance (Chapter 112).
Limited time offer
Apply now to enjoy up to 6 months premium refund.
Terms & conditions apply. Details please download and refer to the promotion leaflet.
The product information in this material 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 relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. For complete product information of Voluntary Health Insurance Scheme, please refer to "Download Policy Contract" in related products webpage.
Please contact your financial planner or call AIA Customer Hotline for details.

This plan can only be purchased as a basic plan
When you live a life of success, you need medical protection that can match your pace. AIA Voluntary Health Insurance Privilege Plus Scheme offers advanced medical protection throughout Asia with lifetime guaranteed renewal, offering you the privileged support you need to achieve more in life. With AIA Voluntary Health Insurance Privilege Plus Scheme, you can enjoy full reimbursement with no itemised benefit sublimit for major medical expenses, hospital stays in a semi-private room or standard private room (depending on confinement location), full cover for non-surgical cancer treatment and extended support in the hospital and beyond. Embark on a journey of healthy living with a no claim discount if no claim is paid, up to 15% of premium discount, plus an instant 10% premium discount for the first year for AIA Vitality members.
 
AIA Voluntary Health Insurance Privilege Plus Scheme is a Certified Plan under Voluntary Health Insurance Scheme (VHIS) with premiums that are eligible to be deducted from your annual taxable income. Taxpayer who is the policyholder can apply for a tax deduction# of up to HKD8,000 per insured person, which the insured person of the Certified Plan should be the taxpayer himself or any specified relatives*, in each assessment year, and there is no cap on the number of specified relatives*. This way, you can enjoy superb medical cover that meets your needs, with tax deduction benefits.
# 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.
* Specified relatives are defined under Inland Revenue Ordinance (Chapter 112).
The product information in this material 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 relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. For complete product information of Voluntary Health Insurance Scheme, please refer to "Download Policy Contract" in related products webpage.
Please contact your financial planner or call AIA Customer Hotline for details.

This plan can only be purchased as a basic plan or as a rider.
AIA Voluntary Health Insurance Standard Scheme is a government-certified medical protection plan that provides essential medical cover, with premiums that are eligible to be deducted from your annual taxable income. You can apply for tax deduction# of up to HKD8,000 per insured person per year, and there is no cap on the number of Voluntary Health Insurance Scheme policies that a taxpayer can use to claim tax deductions each year. This plan also rewards you with a no-claim discount on premium up to 15% if you make no claim, plus an instant 10% premium discount for the first year for AIA Vitality members embarking on their healthy-living journey. That way, you may choose to access private healthcare services for treatment when you need it – for you and your whole family's health and wellbeing.
#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.
The product information in this material 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 relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. For complete product information of Voluntary Health Insurance Scheme, please refer to "Download Policy Contract" in related products webpage.
Please contact your financial planner or call AIA Customer Hotline for details.

This plan can only be purchased as a basic plan or as a rider.
With quality medical protection as your safety net, you can chase your dreams with confidence. In addition to the essential medical cover required by Voluntary Health Insurance Scheme, AIA Voluntary Health Insurance Flexi Scheme also provides supplemental major medical benefits, personal medical case management services, network specialists service and more. What's more, lifetime renewal is guaranteed, with no annual benefit limit or lifetime benefit limit. With three plan options to choose from, you can budget according to your medical needs. This plan also includes a no-claim discount on premium of up to 15% if you make no claim, plus an instant 10% premium discount for the first year for AIA Vitality members embarking on their healthy-living journey.
 
AIA Voluntary Health Insurance Flexi Scheme is a government-certified medical protection plan with premiums that are eligible to be deducted from your annual taxable income. You can apply for a tax deduction# of up to HKD8,000 per insured person per year, and there is no cap on the number of Voluntary Health Insurance Scheme policies that a taxpayer can use to claim tax deductions each year. This way, you can enjoy quality medical protection that meets your needs, with tax deduction# benefits.
#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.
The product information in this material 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 relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. For complete product information of Voluntary Health Insurance Scheme, please refer to "Download Policy Contract" in related products webpage.
Please contact your financial planner or call AIA Customer Hotline for details.

This plan can only be purchased as a basic plan
Success is in your hands – but so is your family's future. For the sake of your loved ones, you need a reliable medical protection plan. AIA Voluntary Health Insurance Prime Scheme offers you superb medical cover throughout Asia with guaranteed renewal. Enjoy full reimbursement with no itemised benefit sublimit for major medical expenses, hospital stays in a semi-private room and extended caring protection. This plan also rewards you with a no claim medical check-up services if no claim is paid, plus an instant 10% premium discount for the first year for AIA Vitality members embarking on their healthy-living journey.
 
AIA Voluntary Health Insurance Prime Scheme is a government-certified medical protection plan with premiums that are eligible to be deducted from your annual taxable income. You can apply for a tax deduction# of up to HKD8,000 per insured person per year, and there is no cap on the number of Voluntary Health Insurance Scheme policies that a taxpayer can use to claim tax deductions each year. This way, you can enjoy quality medical protection that meets your needs, with tax deduction# benefits.
#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.
The product information in this material 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 relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. For complete product information of Voluntary Health Insurance Scheme, please refer to "Download Policy Contract" in related products webpage.
Please contact your financial planner or call AIA Customer Hotline for details.
AIA VOLUNTARY HEALTH INSURANCE STANDARD SCHEME (being the Standard Plan under Voluntary Health Insurance Scheme ("VHIS")) provides the basic standardised features for insured, while AIA VOLUNTARY HEALTH INSURANCE FLEXI SCHEME, AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME, AIA VOLUNTARY HEALTH INSURANCE PRIVILEGE SCHEME and AIA VOLUNTARY HEALTH INSURANCE PRIVILEGE PLUS SCHEME (being the Flexi Plan under VHIS) are those that generally provide all protection under a Standard Plan and at the same time provide enhanced protection for the insured.

To encourage the working population to better prepare for their retirement, a new type of MPF voluntary contributions, Tax Deductible Voluntary Contributions ("TVC"), comes into effect in April 2019. Eligible members, including an employee member of a Registered Scheme, a self-employed person member of a Registered Scheme, a personal account holder of a Registered Scheme and a member of an MPF-exempted occupational retirement scheme (ORSO), can enjoy tax deductions by making contributions to their TVC account. For the 2019-20 year of assessment and each subsequent assessment year, the maximum tax-deductible amount is HK$60,000. This aggregate limit applies to both TVC and qualifying annuity premiums1.
1 As tax deduction amounts can vary according to different individuals' situation, for all Annuity Premiums and MPF Tax Deductible Voluntary Contributions deductions, please refer to the relevant Inland Revenue Ordinance rules and regulation. AIA HK is not providing tax or accounting advice. Please consult your own tax and accounting advisors for any tax advice.

We understand you want to have a stable guaranteed annuity income stream that you can rely on for your retirement. With AIA Deferred Annuity Plan you can choose Annuity Payment Start Age for the annuitant (as the insured) to start receiving high guaranteed portion of annuity income at age 50, 65 or 70, and enjoy a regular annuity income stream for 10 years.
 
AIA Deferred Annuity Plan is certified by the Insurance Authority as a qualifying deferred annuity policy where you can apply to deduct your contributions from your annual taxable income. This means if you are taxpayer in Hong Kong, you can apply for tax deduction of up to HK$60,000* per taxpayer each year which allows you to plan ahead to grow wealth for your retirement while also enjoying a tax deduction.
* HK$60,000 is the maximum tax deductions per taxpayer per year for qualifying annuity premiums and MPF tax deductible voluntary contributions.

【AIA x Siobhán Haughey】 Continues to be the Most Preferred Brand for VHIS in Hong Kong

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Estimated Tax Payable* For the Year of Assessment 2020/21
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With "Tax Deductible" products
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VHIS Privilege Scheme ^
VHIS Privilege Plus Scheme &
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# This plan can be purchased as a basic plan or as a rider.
 
^ This plan can only be purchased as a rider
 
& This plan can only be purchased as a basic plan
 
* Exclude of any one-off tax reduction for the year
 
Remark:
 
The premium above does not include discount offer, please browse "Offer Details" for more information, or please contact your financial planner or contact us for details.
 
As tax deduction amounts can vary according to different individuals' situation, for all Annuity Premiums and MPF Tax Deductible Voluntary Contributions deductions, please refer to the relevant Inland Revenue Ordinance rules and regulation.
 
AIA HK is not providing tax or accounting advice. Please consult your own tax and accounting advisors for any tax advice.
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^ AIA commissioned international research and data analysis firm YouGov to interview 707 respondents aged 18 – 54 years old in Hong Kong in March 2022.
 
1The product information in this material 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 relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. For complete product information of Voluntary Health Insurance Scheme, please refer to "Download Policy Contract" in related products webpage.
 
This website is based on publicly available information and you shall refer to the source of information at the footnote of this website. The purpose of this website is for reference only and shall not be construed as tax advice nor is this website intended to constitute any professional advice, view, attitude, position or opinion provided by AIA. AIA expressly disclaims all warranties of any kind and fitness for a particular purpose in connection with the information contained in this website. AIA do not accept, assume or undertake any legal responsibility to any person or entity for any loss or damage of whatever nature (direct, indirect, consequential or otherwise) whether arising in contract, tort or otherwise, from the use of or reliance on the information contained in this website. AIA and its intermediaries does not provide tax or accounting advice and you should consult your own tax and accounting advisors for any tax advice. Only the paid premiums of certified VHIS plans and Qualifying Deferred Annuity policies, and the MPF tax deductible voluntary contributions made (where applicable) can apply for tax deductions whereas the premium refund and premium discount (including e-premium coupon, if any) are not included.
 
Worldwide emergency assistance services are covered during the trip only (except for 24-hour worldwide telephone enquiring services), which are additional benefits and do not form part of the VHIS Certified Plan, the policyholder can remove this additional benefit by sending a written notice to the Company. The services are provided by third party service provider(s). AIA shall not be responsible for any act, negligence or omission of medical advice, opinion, service or treatment on the part of them. AIA reserves the right to amend, suspend or terminate the service without further notice.
 
AI Powered Symptom Checker – Digital health assistant, Telemedicine service, Rehabilitation management, Medical network services, Credit Facility Service for Hospitalisation, and Medical Expense Pre-approval Service (if applicable) are additional benefits and do not form part of the VHIS Certified Plan. Medical network services are provided by network doctor. AIA shall not be responsible for any act or omission of network doctor in the provision of medical network services. Credit Facility Service for Hospitalisation is provided by third party service provider(s). AIA reserves the right to amend, suspend or terminate these services without further notice.

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