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AIA Voluntary Health Insurance Privilege Ultra Scheme

Higher and wider protection against medical inflation
Guaranteed renewal Whole life
Issue age 15 days to age 80

Featured benefits

Value-added service

Care Concierge

Dedicated concierge support connects you to a suite of healthcare and support services

Specialist Network

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

Medical Expense Pre-approval Service

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

Cashless Hospitalisation

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

Personal Medical Case Management Services with Rehabilitation Management

Provide online expert medical second opinion and rehabilitation recommendation with immediate support

Worldwide Emergency Assistance

24-hour worldwide assistance hotline

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

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

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. You can choose other AIA products as basic plan / add-on plan, e.g. AIA Voluntary Health Insurance Standard Scheme. For complete product information, please refer to aia.com.hk.

Buy online

For HKID card holders who are aged 18 or above, you can buy this product in Hong Kong via our online platform AIA iShop. See how much you'll pay.

Certification Number

Certification Number
Available for New Application
Annual Deductible Choices (Geographical cover)
HKD 0 / USD 0 deductible (Asia) F00074-01-000-01 F00074-09-000-01
HKD 16,000 / USD 2,000 deductible (Asia) F00074-02-000-01 F00074-10-000-01
HKD 25,000 / USD 3,125 deductible (Asia) F00074-03-000-01 F00074-11-000-01
HKD 50,000 / USD 6,250 deductible (Asia) F00074-04-000-01 F00074-12-000-01
HKD 0 / USD 0 deductible (Worldwide except USA) F00074-05-000-01 F00074-13-000-01
HKD 16,000 / USD 2,000 deductible (Worldwide except USA) F00074-06-000-01 F00074-14-000-01
HKD 25,000 / USD 3,125 deductible (Worldwide except USA) F00074-07-000-01 F00074-15-000-01
HKD 50,000 / USD 6,250 deductible (Worldwide except USA) F00074-08-000-01 F00074-16-000-01
Product Nature Medical protection insurance plan (Reimbursement)
Plan Type Basic Plan and add-on plan
  • 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 Privilege Ultra Scheme as either a stand-alone insurance plan or as an add-on plan to specified basic plans.
  1. As of 1 April 2024, compared against Voluntary Health Insurance Scheme – Flexi Plans provided by major Hong Kong insurance companies.

  2. Claim amount is subject to the annual benefit limit and the lifetime benefit limit of the policy, full cover shall mean no itemised benefit sublimit.

  3. 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.

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