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  • AIA Smart Bundle Solutions

    Find the right Tax Deductible Solutions and the best offers for you!

    AIA VOLUNTARY HEALTH INSURANCE PRIVILEGE SCHEME

    AIA is the most preferred brand* for the Voluntary Health Insurance Scheme by Hong Kong people.

    Contact Us Now
    + Additional Information

    By submitting this form, I agree with AIA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AIA. AIA won't engage in such activities otherwise. I also acknowledge and agree with the AIA Personal Information Collection Statement

    Contact Us Now

    * AIA commissioned international research and data analysis firm YouGov to interview 1,020 respondents aged 18 years old or above in Hong Kong in February 2021.

    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.

    btn 1
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    Tax deduction tips
    Contact Us

    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 2020/21

    WITHOUT "TAX DEDUCTIBLE" PRODUCTS:
    HK$
    WITH "TAX DEDUCTIBLE" PRODUCTS:
    HK$

    Estimated Saving Amount
    HK$

    VHIS Plan: Standard | Flexi | VHIS Privilege Plus Scheme | VHIS Privilege Scheme^
    Without VHIS Plan

    ^ This plan can only be purchased as a rider

    MPF-TVC / Deferred Annuity


    * Exclude of any one-off tax reduction for the year

    Remark:

    1. 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.
    2. 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.
    3. AIA HK is not providing tax or accounting advice. Please consult your own tax and accounting advisors for any tax advice.
    Add family member
    Assumptions & Disclaimer

    product & offer

    VHIS
    MPF TVC
    Deferred Annuity
    AIA Voluntary Health Insurance Privilege Scheme

    AIA Voluntary Health Insurance Privilege Scheme
    - COLLAPSE + EXPAND
    AIA Voluntary Health Insurance Privilege Scheme

    This plan can only be purchased as a rider

    Accident Pro Prime

    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).

    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.

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


    AIA Voluntary Health Insurance Standard Scheme

    AIA Voluntary Health Insurance Standard Scheme
    - COLLAPSE + EXPAND
    AIA Voluntary Health Insurance Standard Scheme

    This plan can only be purchased as a basic plan or as a rider.

    Accident Pro Prime

    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.

    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.

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


    AIA Voluntary Health Insurance Flexi Scheme

    AIA Voluntary Health Insurance Flexi Scheme
    - COLLAPSE + EXPAND
    AIA Voluntary Health Insurance Flexi Scheme

    This plan can only be purchased as a basic plan or as a rider.

    Accident Pro Prime

    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.

    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.

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


    AIA Voluntary Health Insurance Prime Scheme

    AIA Voluntary Health Insurance Prime Scheme
    - COLLAPSE + EXPAND
    AIA Voluntary Health Insurance Prime Scheme

    This plan can only be purchased as a basic plan or as a rider.

    Accident Pro Prime

    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.

    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.

    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, and AIA VOLUNTARY HEALTH INSURANCE PRIVILEGE 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.

    MPF Tax Deductible Voluntary Contributions (“TVC”)

    MPF Tax Deductible Voluntary Contributions (“TVC”)
    - COLLAPSE + EXPAND
    MPF Tax Deductible Voluntary Contributions (“TVC”)
    Accident Pro Prime

    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 2020/21 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

    AIA Deferred Annuity Plan
    - COLLAPSE + EXPAND
    AIA Deferred Annuity Plan
    Accident Pro Prime
    Accident Pro Prime

    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 “Today · Plan for Your Future” – A Man and A Plan: AIA Voluntary Health Insurance Privilege Scheme

    To commemorate the 5000th day since they first met, would Man’s wife (starring Elly) rather receive 5000 roses or a gift that’s worth HK$50 million?

    A bouquet of flowers may capture the dazzling moment with the love of your life, but Man (starring Nick Cheung), who understands his wife better, would surely go for a gift that costs less than HK$7.8 a day but can last a lifetime with a value of HK$50 million, so they could live happily ever after! Watch the video now to find out what the gift is!

    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.

    Voluntary Health Insurance Scheme
    MPF TAX DEDUCTIBLE VOLUNTARY CONTRIBUTIONS
    Age
    MPF TVC / DA
    HKD
    Live Together
    Annual Premium
    Annual Premium
    Contact aia

    We are pleased to announce that effective 22 February 2021, our customer service in Hong Kong will resume normal. However, please take note of the following special service hours for Macau.

    Macau

    • Customer Service Centres & Hotline Service:
      • 10am - 4pm (Monday - Friday)

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri: 8:45am – 6pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau

    Mon-Fri: 8:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Contact aia

    We are pleased to announce that effective 22 February 2021, our customer service in Hong Kong will resume normal. However, please take note of the following special service hours for Macau.

    Macau

    • Customer Service Centres & Hotline Service:
      • 10am - 4pm (Monday - Friday)

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri: 8:45am – 6pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau
     
    Mon-Fri: 8:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

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