Lifetime limit of up to HKD60 million and annual limit of up to HKD12 million with no itemised benefit sublimit for key medical expenses2
- Overview
- Featured benefits
- Value-added service
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Limited time offers
Apply now to get up to 8 months premium refund.
Terms & conditions apply. Refer to the promotional leaflet for details.
Featured benefits
Hong Kong
- Union Hospital
- Hong Kong Baptist Hospital
- St. Paul's Hospital
- St. Teresa's Hospital
Macau
- Kiang Wu Hospital
Mainland China
group A hospitals
- The University of Hong Kong-Shenzhen Hospital (International Medical Center)
- Shenzhen New Frontier United Family Hospital
- Shenzhen Heng Sheng Hospital
- Guangzhou United Family Hospital
- Guangzhou Xin Shi Hospital
- Zhongshan Chen Xinghai Hospital of Integrated Traditional Chinese and Western Medicine
- Foshan Fosun Chancheng Hospital
group B hospitals
- Covers over 1,700 hospitals in mainland China. Click here for more details.
The above list of hospitals is dated as of October 2025. The list of SelectWise Designated Hospitals may be varied, updated and amended from time to time at AIA's sole discretion.
Value-added service
Care Concierge
Dedicated concierge support connects you to a suite of healthcare and support services
Personal Medical Case Management Services with Rehabilitation Management
Provide online expert medical second opinion and rehabilitation recommendation with immediate support
Telemedicine Service (only applicable to insured physically in Hong Kong)
Let you have a medical consultation and medication while staying at home
Cancer Genomic Testing Services
An effective tool that helps cancer patients in the shortest time possible decide on the most suitable treatment
Pre-approval - Medical Expense & Cashless Service
Take control of your medical expenses before treatment
Join
*Now and Instantly Get 10% Discount on the First Year Premium^ of your AIA Vitality Insurance Plan
*Now and Instantly Get 10% Discount on the First Year Premium^ of your AIA Vitality Insurance Plan
- Improve your health with various activities
- Earn AIA Vitality points to upgrade your member status for more rewards
The higher status you reach, the higher premium discount** you will get
^ Only applicable to newly applied AIA Vitality insurance and subject to T&Cs
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.
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Certification Number
| Certification Number | ||
| Available for New Application | ||
Annual Deductible Choices
|
HKD | USD |
| HKD 0 / USD 0 Deductible | F00081-01-000-01 | F00081-06-000-01 |
| HKD 8,800 / USD 1,100 Deductible | F00081-02-000-01 | F00081-07-000-01 |
| HKD 18,000 / USD 2,250 Deductible | F00081-03-000-01 | F00081-08-000-01 |
| HKD 30,000 / USD 3,750 Deductible | F00081-04-000-01 | F00081-09-000-01 |
| HKD 55,000 / USD 6,875 Deductible | F00081-05-000-01 | F00081-10-000-01 |
| 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 SelectWise Scheme as either a stand-alone insurance plan or as an add-on plan to specified basic plans.
- To be eligible for semi-private room during confinement in SelectWise Designated Hospitals in Hong Kong, all of the following conditions must be fulfilled: (i) the insured is confined in a SelectWise Designated Hospital in Hong Kong; (ii) all of the attending registered medical practitioners and surgeons who provide medical services during the confinement are network doctors of SelectWise Medical Network; and (iii) the network doctor of SelectWise Medical Network must have submitted the completed Prior-Authorization Request Form for pre-approval of medical expenses on behalf of the insured to the Company in respect of all medical services to be obtained by the insured for the disability during the confinement, and the Company must have approved such Prior-Authorization Request Form before the network doctor of SelectWise Medical Network provides medical services to the insured. Alternatively, if all of the eligibility requirements for semi-private room set out above are met, a lower ward class cash benefit will be paid if the insured is confined in a ward class lower than the eligible semi-private room in a SelectWise Designated Hospital in Hong Kong. When the network doctor of SelectWise Medical Network fills in the Prior-Authorization Request Form for application for pre-approval of medical expenses on behalf of the insured, please be reminded to inform the network doctor of SelectWise Medical Network of the insured's personally preferred room type.
For confinement in SelectWise Designated Hospitals in Macau, the insured will be eligible to stay in a semi-private room. Alternatively, if the insured is confined in a ward class lower than the eligible semi-private room in a SelectWise Designated Hospital in Macau, a lower ward class cash benefit will be paid.
For confinement in SelectWise Designated Hospitals in mainland China, the covered room shall be determined according to the group of hospitals which the relevant SelectWise Designated Hospital falls within, either a standard private room (for group A hospitals) or a semi-private room (for group B hospitals) may be available for confinement.
- No itemised benefit sublimit for medically necessary services, provided the claims will be evaluated based on reasonable and customary charges. Claim amount is subject to the benefit limits as set out in the benefit schedule including annual benefit limit, lifetime benefit limit and annual deductible. Please also refer to item 1 of "Product Limitation" on page 28 of the product brochure for the details and definition of "reasonable and customary" and "medically necessary". Benefits payable related to the confinement are subject to the applicable covered room.
- For medical services for the insured person which are rendered or undertaken in a non-SelectWise Designated Hospital in mainland China, only the benefits stated in the VHIS Standard Plan will be payable under this plan, subject to the benefit limits of the VHIS Standard Plan.
- The list of SelectWise Designated Hospitals can be retrieved from AIA's website and may be varied, updated and amended from time to time at AIA's sole discretion. Any change shall be deemed as effective on the date of publication on the Company's website irrespective of whether any separate notice is given. All the claims settlement will be subject to the final bill and the policy terms and conditions.
For confinement in SelectWise Designated Hospitals in mainland China, the covered room shall be determined according to the group of hospitals (either group A or group B) which the relevant SelectWise Designated Hospital falls within. Please note that the list of SelectWise Designated Hospitals (group B) in mainland China is only available in Traditional Chinese and Simplified Chinese.
AIA shall not be responsible for any act, negligence or omission of any of the hospital within the list of SelectWise Designated Hospitals in the provision of services, treatments, opinions and advice.
- SelectWise Medical Network is only available in Hong Kong and refers to designated third party medical network service providers engaged by AIA. The designated third party medical network service providers are independent contractors and are not agents or employees or representatives of AIA. AIA does not guarantee the provision of services or treatment by a particular medical network / service provider or the number of medical network(s) / service provider(s) available. For details, please refer to the product brochure.
- This benefit shall be payable for each day the insured receives medical services for non-emergency treatment in SelectWise Designated Hospitals in the mainland China for the designated benefits only and subject to the maximum limits as stated in the benefit schedule. Please refer to the product brochure for details.
* 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")
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