AIA Smart Bundle Solutions

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AIA VHIS STANDARD SCHEME
“LOWEST PRICE IN TOWN”
PREMIUM REFUND

If other companies offer a lower price, we promise to refund the price difference to you next year!

AIA VHIS FLEXI SCHEME
4 MONTHS PREMIUM REFUND

From 1 April 2019 to 31 December 2019

AIA VHIS PRIME SCHEME
enjoy up to 4 Months premium refund

From 15 April 2019 to 31 December 2019

MPF TAX DEDUCTIBLE
VOLUNTARY CONTRIBUTIONS

Make Voluntary contributions to accelerate your retirement reserve and enjoy tax benefits

AIA Deferred Annuity Plan

Plan ahead for a stable stream of retirement annuity income

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 does not provide tax or accounting advice and you should consult your own tax and accounting advisors for any tax advice.

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.

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SMART BUNDLE SOLUTIONS for

For detailed calculation of tax savings and AIA offers, please click here

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ESTIMATE HOW MUCH YOU CAN SAVE

Step 1

Enter Information about you or your family members

Your / Family Annual Income

Age

Gender

Include your MPF TVC / Deferred Annuity?

Input your annual contribution amount to enjoy tax deductible limit up to HK$60,000

Your family information

Input your family information to estimate your family tax saving.

+ Add family member

Result

Estimated Tax Payable* For the Year of Assessment 2019/20

WITHOUT "TAX DEDUCTIBLE" PRODUCTS:
HK$

WITH "TAX DEDUCTIBLE" PRODUCTS:
HK$

Estimated Saving Amount

HK$

VHIS Plan: Standard | Flexi | Prime

MPF-TVC / Deferred Annuity

* 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.

product & offer

VHIS

MPF TVC

Deferred Annuity

AIA Voluntary Health Insurance Standard Scheme

- COLLAPSE + EXPAND

AIA Voluntary Health Insurance Standard Scheme

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.

“LOWEST PRICE IN TOWN”

IF OTHER COMPANIES OFFER A LOWER PRICE, WE PROMISE TO REFUND THE PRICE DIFFERENCE TO YOU NEXT YEAR!

AIA is delighted to provide a series of “Tax Deductible" products. Apply successfully for any of the specified insurance plans during the promotion period and you can enjoy a premium refund offer and tax deductions. For your peace of mind start protecting your family now.

AIA Voluntary Health Insurance Standard Scheme Promotion Offer (FROM 1 APRIL 2019 TO 30 SEPTEMBER 2019)

Only applicable to the first 10,000 eligible new policies.

“Lowest Price in Town” Premium Refund

During the promotion period, if there is a first year premium lower than AIA after comparing the premium rate among listed Standard Plans under Voluntary Health Insurance Scheme on the webpage of the Food and Health Bureau (FHB), we guarantee your new policy will be entitled to a refund of the difference in premiums, and will refund to your policy premiums at the policy year after renewall.^# This offer is only applicable to the first 10,000 eligible new policies.

^#The premiums difference compared will be based on insured persons under the same gender and age at application. The New Policy will be entitled to the Refund used for the premium settlement in the next premium due date after the first Policy Anniversary.

“Personal Medical Case Management Service” for 3 years

If the Insured Person is diagnosed with a serious illness, we will arrange our medical specialists (the designated service provider) to provide the personal medical case management services for a period of 90 days. The provider will assess and provide medical recommendation for the customer’s diagnosis and treatment.
This is a comprehensive and personalised service which is more than a second medical opinion to walk with the customer throughout their medical journey.

Terms & conditions apply. Details please browse "OFFER DETAILS" below for more information.

AIA Voluntary Health Insurance Flexi Scheme

- COLLAPSE + EXPAND

AIA Voluntary Health Insurance Flexi Scheme

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.

AIA VOLUNTARY HEALTH INSURANCE FLEXI SCHEME PROMOTION OFFER (FROM 1 APRIL 2019 TO 31 DECEMBER 2019)

Terms & conditions apply. Details please browse "OFFER DETAILS" below for more information.

Please contact your financial planner or call AIA Customer Hotline for details.

AIA Voluntary Health Insurance Prime Scheme

- COLLAPSE + EXPAND

AIA Voluntary Health Insurance Prime Scheme

With the AIA Voluntary Health Insurance Prime Scheme, a Certified Plan under the Hong Kong Government’s Voluntary Health Insurance Scheme, you can apply for tax deduction of up to HKD8,000 per insured person per year, while enjoying superb medical cover, built-in no claim medical check-up services and more. Join AIA Vitality and receive an instant 10% premium discount and array of rewards and discounts that help you live a healthier lifestyle.

Offer - Specified Voluntary Health Insurance Scheme Premium Refund Offer<sup>1</sup>

From 1 April 2019 to 31 December 2019, enjoy Basic Offer of up to 4 months Premium Refund and an extra month of Hospitalization Benefit Rider Combo Offer*.

* Only apply to same policyholders additionally apply for Hospitalization Benefit Rider during the promotion period. The extra premium refund of the Combo Offer will only be applicable to AIA Voluntary Healthy Insurance Scheme. Hospitalization Benefit Rider will not enjoy this Combo Offer.

Terms & conditions apply. Details please download and refer to the promotion leaflet.

¹Offer – Specified Voluntary Health Insurance Schemes Premium Refund Offer

The promotion period is from 1 April 2019 to 31 December 2019, both dates inclusive (“Promotion Period”).
This offer is only applicable to the Specified Voluntary Health Insurance Schemes as listed in point 6.c., of Terms and Conditions below (“New Policy”) that are:
- successfully applied and submitted within the Promotion Period (based on the application date); and
- issued on or before 29 February 2020.
Specified Voluntary Health Insurance Schemes are:
- AIA Voluntary Health Insurance Flexi Scheme (including basic plan and rider), AIA Voluntary Health Insurance Prime Scheme (including basic plan and rider),
- AIA Vitality Series: AIA Voluntary Health Insurance Flexi Scheme (including basic plan and rider), AIA Vitality Series: AIA Voluntary Health Insurance Prime Scheme (including basic plan and rider).
Hospitalization Benefit Rider Combo Offer (“Combo Offer”):
If the New Policy’s Policyholder successfully applies for another Hospitalization Benefit Rider as a Policyholder within the promotion period, the New Policy will enjoy extra Combo Offer; and that Hospitalization Benefit Rider must be issued on or before 29 February 2020. Hospitalization Benefit Rider will not enjoy this Combo Offer.
If the New Policy entitles to the Combo Offer of extra premium refund, Hospitalization Benefit Rider policy should remain in-force from the issue date to the time of premium refund. Otherwise the Combo Offer will be forfeited.
If the New Policy is an add-on plan and entitles to the Combo Offer of extra premium refund, that New Policy should be attached to a basic plan which the basic plan should remain in-force from the issue date to the time of premium refund. Otherwise the Combo Offer will be forfeited.
The calculation of the premium refund or discount is only applicable to the standard premium and extra premium due to underwriting (if any) of the New Policy. Apart from the New Policy, the premiums of all other basic plan(s) and/or add-on plan(s) and levy will not be applied for calculating the premium refund or discount amount.
Based on the total number of month of premium refund (up to a maximum of 4 months), premium refund arrangement for the New Policy is as follows:
- If New Policy entitles to 3-month premium refund: New Policy will entitle to a premium refund equivalent to 1 month of its first year annualised premium at the end of the first, second and third policy year;
- If New Policy entitles to 4-month premium refund: New Policy will entitle to a premium refund equivalent to 1 month of its first year annualised premium at the end of the first, second, third and fourth policy year.
The Refund will be used for the premium settlement in the next premium due date after the Policy Anniversary. The Refund is used for settlement of future premium of the New Policy only, withdrawal of the Refund is not allowed. Moreover, the New Policy should remain in-force from the issue date to the time of premium refund. Otherwise, the refund will be forfeited.

Calculation of the Refund on New Policy:

Payment	Premium refund calculation method (calculated by the payment of the first modal premium (after discount, if any) of the New Policy at policy issue)
Monthly	= monthly premium x total number of month of premium refund
Quarterly	= quarterly premium ÷ 3 x total number of month of premium refund
Semi-annually	= semi-annual premium ÷ 6 x total number of month of premium refund
Annually	= annual premium ÷ 12 x total number of month of premium refund

AIA Voluntary Health Insurance Prime Scheme

- COLLAPSE + EXPAND

AIA Voluntary Health Insurance Prime Scheme

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.

AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME PROMOTION OFFER (FROM 15 APRIL 2019 TO 31 DECEMBER 2019)

You will enjoy 3 months premium refund if you successfully apply for AIA Voluntary Health Insurance Prime Scheme during the promotion period. Based on your insurance needs, and as a Policyholder, if you choose to apply for any of the Selected Medical Protection Plan(s) additionally during the promotion period, you will be entitled to extra 1 month premium refund on the AIA Voluntary Health Insurance Prime Scheme.

Terms & conditions apply. Details please browse "OFFER DETAILS" below for more information.

Please contact your financial planner or call AIA Customer Hotline for details.

MPF Tax Deductible Voluntary Contributions (“TVC”)

- COLLAPSE + EXPAND

MPF Tax Deductible Voluntary Contributions (“TVC”)

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. The maximum tax-deductible amount for the year of assessment 2019/20 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.

AIA Deferred Annuity Plan

- COLLAPSE + EXPAND

AIA Deferred Annuity Plan

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.

Existing AIA Customer

If you’ve purchased AIA’s medical insurance and/or owned AIA’s MPF voluntary contributions account, you can migrate your existing plan(s) to AIA’s new tax deductible products to claim tax benefits.

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AIA VHIS STANDARD SCHEME
“LOWEST PRICE IN TOWN”
PREMIUM REFUND

AIA VHIS FLEXI SCHEME
4 MONTHS PREMIUM REFUND

AIA VHIS PRIME SCHEME
enjoy up to 4 Months premium refund

MPF TAX DEDUCTIBLE
VOLUNTARY CONTRIBUTIONS

AIA Voluntary Health Insurance Standard Scheme Promotion Offer (FROM 1 APRIL 2019 TO 30 SEPTEMBER 2019)