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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
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Featured benefits

Cover of a wider safety net with higher coverage limit 

Lifetime limit of up to HKD60 million and annual limit of up to HKD12 million

【First-in-market1】Extension of cancer support with clinical trial drugs benefit

Up to HKD0.5 million per policy year cover for phase 3 clinical trial drugs benefit for stage III and stage IV designated cancers and incurable haematological malignancy

Full cover for a wide range of medical expenses

Full cover2 for key medical expenses with no itemised benefit sublimit

Elderly cancer support - waiver of deductible for designated cancer

Annual deductible will be waived for medical services arising from designated cancer received by an insured person aged 75 or above

Newly added choices of geographical cover and annual deductible amount

2 geographical cover choices of either Asia or Worldwide (excluding United States) and 4 annual deductible amount choices for each policy currency to select from to suit your needs

 

Apply for a higher tax deduction

Enjoy tax deductions of up to HKD8,000 per insured person per year3

Put yourself first and choose smart

Value-added service

Care Concierge

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

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Specialist Network

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

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Medical Expense Pre-approval Service

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

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Cashless Hospitalisation

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

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Personal Medical Case Management Services with Rehabilitation Management

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

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Worldwide Emergency Assistance
 

24-hour worldwide assistance hotline
 

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

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

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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. 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.

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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Not initialised.

Certification Number

 
Certification Number
Available for New Application
Annual Deductible Choices (Geographical cover)
 HKD USD
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
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 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.

Voluntary Health Insurance Scheme ("VHIS")

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

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Does VHIS tax deduction apply to all AIA insurance products?

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

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What is the application process for VHIS tax deduction?

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

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Does the VHIS tax deduction overlap with other tax deductions?

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

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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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