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LIFE INSURANCE – MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME (AVP)
Superb protection that
supports you through
life’s hardships
With the AIA
AIA Voluntary Health Insurance Prime Scheme
Scheme, a Certified Plan under the Hong
Kong Government’s Voluntary Health Insurance Scheme underwritten by AIA International
Limited (Incorporated in Bermuda with limited liability), you can apply for tax deduction of
up to HKD8,000 per insured person per year, while enjoying superb medical cover, 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. Citibank (Hong Kong) Limited is an appointed insurance agent for AIA
International Limited (Incorporated in Bermuda with limited liability). This product
brochure is issued by AIA and is for distribution by Citibank (Hong Kong) Limited in
Hong Kong only.
aia.com.hk
AIA International Limited (Incorporated in Bermuda with limited liability)
1 LIFE INSURANCE — MEDICAL PROTECTION
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 lifetime 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 prior claim has been made, 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 superb
medical protection that meets your needs, with tax deduction benefits.
Cover at a glance
Type of the Certified Plan Flexi Plan
Name of the Certified Plan AIA Voluntary Health Insurance Prime Scheme
Certification Number and HKD USD
Annual Deductible Choices
0 Deductible: 0 Deductible:
F00025-01-000-01 F00025-04-000-01
16,000 Deductible: 2,000 Deductible:
F00025-02-000-01 F00025-05-000-01
25,000 Deductible: 3,125 Deductible:
F00025-03-000-01 F00025-06-000-01
Product Nature Medical protection insurance plan
Insured Person’s Age at
15 days to age 80
Application
Guaranteed Renewal Whole Life
HKD USD
Lifetime Benefit Limit
20,000,000 2,600,000
(per life)
Annual Benefit Limit
5,000,000 650,000
(per policy year)
Annual Deductible Choices
0 / 16,000 / 25,000 0 / 2,000 / 3,125
(per policy year)
“AIA”, “AIA Hong Kong”, “the Company”, “We”, “our” or “us” herein refers to AIA International Limited (Incorporated in Bermuda
with limited liability).
LIFE INSURANCE — MEDICAL PROTECTION 2
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Geographical Cover
Asia, including Australia and New Zealand^
• for all cover (except for psychiatric treatments and
worldwide emergency assistance services)
• for emergency treatment Worldwide
Room Type
• for Hong Kong, Macau and
Semi-private room
Mainland China
• for other countries, excluding
Hong Kong, Macau and Standard private room
Mainland China
Key Benefits • hospitalisation and surgical care
• time-saving and convenient day case procedures (including visit
to day case procedure centre)
• high quality specialist network services
• broad post-hospitalisation care
• extended caring protection for your specific needs, including
cancer treatment, dialysis treatment and stroke rehabilitation
benefits
• global emergency treatment and worldwide emergency assistance
services*
^
Benefits shall be payable for any non-emergency treatments performed outside Asia, up to the benefit
limits as stated in the VHIS Standard Plan terms and benefits. For details of the terms and benefits, please
refer to the “Additional Important Information” section in this brochure.
* If you wish to remove Worldwide emergency assistance services benefit under AIA Voluntary Health
Insurance Prime Scheme, please send a written notice to the Company.
For more information, please read the "Benefit schedule for AIA Voluntary Health Insurance Prime Scheme" in this brochure.
3 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Government certified for your assurance
AIA Voluntary Health Insurance Prime Scheme is a Certified Plan under the Voluntary Health Insurance Scheme (VHIS)
that offers you superb medical cover, helping you access private healthcare services while applying for tax deduction to enjoy
attractive tax advantages.
Not only complies with the minimum requirements of the VHIS, AIA Voluntary Health Insurance Prime Scheme offers valuable
privileges including full reimbursement with no itemised benefit sublimit for major medical expenses, personal medical case
management services, high quality specialist network services and much more. Because it is certified by the Food and Health
Bureau, you can trust in the level of protection you’ll be receiving.
For further details on VHIS, please visit www.vhis.gov.hk.
Protect your whole family and apply for a higher tax deduction amount
To help you budget smarter, the premiums you pay for AIA Voluntary Health Insurance Prime Scheme is eligible to be deducted
from your annual taxable income, up to an aggregate limit of HKD8,000 for VHIS policies per insured person per taxpayer per year.
There is no cap on the number of VHIS policies that a taxpayer can use to claim tax deductions each year, as long as all the
policies are held by the same taxpayer and cover yourself and / or your dependants. Dependants include your spouse or child,
or a parent, grandparent or sibling of you or your spouse.
In other words, if you take up AIA Voluntary Health Insurance Prime Scheme for yourself, your spouse, your son and your mother
as an example (i.e. four insured persons) and pay the required premiums in the same taxable year, the annual tax deduction
amount for you would be up to HKD32,000 (i.e. HKD8,000 x 4).
The illustration below shows the tax deduction amount you could claim if you were the policy holder for four insured persons,
for example.
The deduction ceiling
per insured person
per year Annual tax deduction ceiling
HKD8,000
for the premiums paid
(e.g. for 4 insured persons)
HKD32,000
Purchase (i.e. HKD8,000 x 4)
AIA Voluntary Health Insurance Prime Scheme
for yourself, your spouse, your son and your mother
For details on tax deductions, please visit www.vhis.gov.hk and consult your own tax and accounting advisors for tax advice.
LIFE INSURANCE — MEDICAL PROTECTION 4
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Lifetime guaranteed renewal Extended caring protection to safeguard
the needs of stroke and cancer patients
AIA Voluntary Health Insurance Prime Scheme provides
cover immediately right after the policy becomes effective Stroke is a common disease with potentially harmful
and guarantees that your premium for renewal will not be consequences, often requiring extensive periods of recovery
raised for any claim you have made, or any changes in your and additional living support. This plan offers extended
health condition. You can renew your cover every year for life. caring protection to address the daily needs and self-care
Renewal premium will be based on the prevailing premium capabilities of stroke patients, so that you may receive the
rates at the time of renewal. (For details on the first year’s proper care even in the comfort of your own home. These
premium, please refer to the Standard Premium Schedule include:
provided by your bank financial consultant, or available
online through www.aia.com.hk and www.vhis.gov.hk)
• home facility enhancements prescribed by
occupational therapists – widening of corridors,
Cover on unknown pre-existing conditions adapting bathroom facilities and purchasing specialised
furniture, etc.
At present, pre-existing conditions unknown to insurance
applicants are commonly excluded from benefit cover. • professional medical support – consultations,
However, you can trust in your protection under AIA Voluntary treatments and prescriptions from chiropractors,
Health Insurance Prime Scheme even if you turn out to have physiotherapists, speech therapists, occupational
a pre-existing condition that you were reasonably unaware therapists, neurologist, neurosurgeons and Chinese
of at the time of insurance application. This plan provides full medicine practitioners according to your personal
cover starting from the 31st day of the 1st policy year, which needs
is shorter than the minimum requirement of 3-year waiting • disability subsidy – if you become unable to take care
period under VHIS. of yourself for at least 6 uninterrupted months, we will
provide a disability subsidy of HKD5,000 per month to
Days after policy Protection for unknown you for up to 24 months per incident
commences pre-existing conditions
This plan also includes enhanced support for cancer
First 30 days 0% cover patients with cover for radiotherapy, chemotherapy, targeted
therapy, immunotherapy, hormonal therapy and the related
31st day and onwards 100% cover consultations, medications and diagnostic tests. For patients
with kidney diseases, we also cover the expenses required
for regular dialysis treatments.
No claim medical check-up services
Because maintaining good health is just as important, AIA
Voluntary Health Insurance Prime Scheme rewards a free
medical check-up services for you once per year to help
you understand your health, provided that no prior claim
has been made during the policy year that just passed. This
service begins once the insured person reaches the age of 2
at the policy anniversary.
5 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Personal medical case management Options to suit your needs
services
We understand that everyone’s situation is different. That’s
If you are diagnosed with a serious illness, an expert team is why we offer 3 annual deductible choices for each policy
here to help. Through personal medical case management currency you have chosen to suit your personal medical
service, our designated service provider will get you the needs:
medical support you need with ongoing updates on your
condition. HKD USD
0 0
Your diagnosis and treatment will be assessed by a specialist,
Annual deductible
giving you the support you need to make it through the 16,000 2,000
choices
difficult times in life. 25,000 3,125
For more information, please refer to www.aia.com.hk. Whether you are looking for full protection or top-up cover
to supplement your current medical plan, annual deductible
Specialist Network choices allow you to specify how much you are willing to
pay before you claim. Choosing a higher deductible amount
This value-added service which aims to give you extra could lower the premiums for your policy.
comfort when you need further medical information or
assistance, provides: You can also choose to reduce your annual deductible
amount to a specified amount without having to provide us
with current details of your health upon policy anniversary
• a professional medical services specialist group
of your cover at the age of 50, 55, 60, 65, 70, 75 or 81. The
• well-equipped day case procedure centres – a safe and premium will be adjusted based on your selected deductible
convenient alternative to hospitals amount, and your deductible amount for a claim will be
reduced. Before making your request for this reduction of
• convenient centralised booking hotline
deductible, you may have to reassess if this reduction can
• help with hospital admission and assistance by settling suit your personal needs.
your hospital bill on your behalf
Lighten your burden for a recovery
When you’re admitted to hospital, worrying about paying for
medical care should be the last thing on your mind.
This plan alleviates your burden by settling your hospital bill
on your behalf. Once the service is applied for successfully,
we will settle directly with the private hospital the medical
expenses incurred during hospital stay on your behalf. You
can then focus fully on your recovery without having to worry
about paying hospital bills and making a subsequent claim.
Any shortfall payment resulting from your hospital stay
will be payable after you are discharged from the hospital,
leaving you stress-free at this critical time. After the final
claim amount has been settled, any related benefit limits will
be reduced accordingly.
For more information and the list of designated hospitals,
please refer to our Credit Facility Service for Hospitalisation
leaflet.
LIFE INSURANCE — MEDICAL PROTECTION 6
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Example
(The following example is hypothetical and for illustrative purposes only. If
there are any changes in the values, no separate announcement will be made.)
Case: Savvy Achiever
Policy holder and insured person: Ben (age 45, non-smoker)
Occupation: Director of Finance
Family status: Married, with a son
Current cover: Employer’s group medical plan
Having reached a certain stage in his career, Ben is planning to enhance protection for himself and
his family with greater flexibility on medical protection. He decides to purchase AIA Voluntary Health
Insurance Prime Scheme for himself, his wife and his son.
AIA Voluntary Health Insurance Prime Scheme offers Ben superb medical protection with lifetime benefit Lifetime
limit of up to HKD20,000,000/USD2,600,000 to supplement his employer's group medical plan. This plan Renewal
provides broad extended benefits to ensure sufficient cover from pre-confinement to post-confinement
on the road to recovery continuously. GUARANTEED
Scenario: Ben is diagnosed with cancer and stroke before and after retirement respectively. He makes
claims for the expenses of pre, during and post-confinement.
Insured person’s age at policy application
Age 45 Age 53 Age 55 Age 75
Purchasing Ben is diagnosed with colorectal Ben retires Ben is diagnosed with stroke
AIA Voluntary Health cancer • Received treatment and recovered
Completed
Insurance Prime • Received treatment and the treatment • Case reviewed and managed by our
Scheme recovered designated service provider of personal
of colorectal
• Case reviewed and managed medical case management services
Enjoying both cancer and fully
medical protection by our designated service recovered Eligible expenses can be claimed:
and applying for tax provider of personal medical • pre-confinement outpatient care
deductions case management services +
Eligible expenses can be claimed: • confinement
Lifetime benefit limit: +
HKD20,000,000/ • pre-confinement outpatient • post-confinement outpatient care,
care including the follow-up outpatient visits
USD2,600,000
+ provided by physiotherapist, Chinese
Annual benefit limit: • confinement and reverse medicine practitioner and occupational
colostomy surgery therapist
HKD5,000,000/
USD650,000 + Stroke rehabilitation benefit:
• targeted therapy • home facility enhancement to help Ben
+ to adapt to the new life at home
• post-confinement outpatient
care, including the follow-up • Stroke ancillary benefit, including
follow-up outpatient visits provided by
outpatient visits provided by physiotherapist, neurologist and Chinese
physiotherapist and Chinese medicine practitioner
medicine practitioner
• disability subsidy benefit: to provide
+ monthly cash allowance to support
• home nursing Ben for the additional expenses during
disability, such as home nursing service
The claim amount is subject to annual benefit limit and lifetime benefit limit.
7 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Benefit schedule for AIA Voluntary Health Insurance Prime Scheme
Recommendation by attending doctor or registered medical practitioner in writing is required.
Overview HKD USD
Lifetime Benefit Limit 20,000,000 2,600,000
Applies to benefit items I (a) - (r) and II (a) - (h) per life per life
Annual Benefit Limit 5,000,000 650,000
Applies to benefit items I (a) - (r) and II (a) - (h) per policy year per policy year
Geographical Cover
• for all cover Asia, including Australia and New Zealand^
(except for psychiatric treatments and
worldwide emergency assistance services)
• for emergency treatment Worldwide
Room Type
• for Hong Kong, Macau and Mainland China Semi-Private Room
for other countries, excluding Hong Kong, Macau and
• Standard Private Room
Mainland China
Annual Deductible* Choices
0 / 16,000 / 25,000 0 / 2,000 / 3,125
Applies to benefit items I (a) - (r) and II (a) - (e), (g)(i), (g) per policy year per policy year
(ii) and (h)
^
Benefits shall be payable for any non-emergency treatments performed outside Asia, up to the benefit limits as stated in
the VHIS Standard Plan terms and benefits. For details of the terms and benefits, please refer to the “Additional Important
Information” section in this brochure.
* Deductible means the amount to be borne by the Insured and to be deducted from any benefit amount payable under the
policy.
I. Core Benefits
Benefit limit
Benefit items1,6
HKD USD
a. Room and board
b. Miscellaneous charges
c. Attending doctor’s visit fee Fully covered*
d. Specialist’s fee2
e. Intensive care
Fully covered*,
f. Surgeon’s fee
regardless of the surgical category^
LIFE INSURANCE — MEDICAL PROTECTION 8
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Benefit schedule for AIA Voluntary Health Insurance Prime Scheme (continued)
Recommendation by attending doctor or registered medical practitioner in writing is required.
Benefit limit
Benefit items1,6
HKD USD
g. Anaesthetist’s fee
h. Operating theatre charges Fully covered*
i. Prescribed diagnostic imaging tests2,3
2,000,000 250,000
j. Prescribed non-surgical cancer treatments4
per policy year per policy year
Fully covered*
1 prior outpatient visit or emergency
consultation per confinement / day case
procedure
k. Pre- and post-confinement / day case procedure outpatient care2 3 follow-up outpatient visits per
confinement / day case procedure (within
90 days after discharge from hospital or
completion of day case procedure)
l. Psychiatric treatments 40,000 5,000
For confinement in Hong Kong per policy year per policy year
m. Private nurse’s fee2 Fully covered*
Nursing service after surgery or discharge from intensive care unit maximum 30 days per policy year
n. Dialysis benefit2 Fully covered*
o. Post surgery home nursing benefit2
Fully covered*
Nursing services within 196 days after discharge from hospital maximum196 days per policy year
(after surgery / admission to intensive care unit)
9 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Benefit schedule for AIA Voluntary Health Insurance Prime Scheme (continued)
Recommendation by attending doctor or registered medical practitioner in writing is required.
Benefit limit
Benefit items1,6
HKD USD
Reconstructive surgery benefit2 160,000 20,000
p.
per accident / per accident /
For restoration of function of a body part, appearance, or a breast per mastectomy per mastectomy
q. Medical appliances benefit for reconstructive surgery 96,000 12,000
External, prosthetic or reconstructive devices / materials implanted each item each item
during reconstructive surgery per policy year per policy year
r. Emergency outpatient treatment benefit
Fully covered*
Treatments within 24 hours of the accident
II. Other Benefits
Benefit limit
Benefit items1,6
HKD USD
Donor’s benefit
a. 30% of the total transplantation cost of both
For organ transplantation of heart, kidney, liver, lung and bone
donor and receiver
marrow
b. Hospital companion bed benefit
Expenses for one companion bed during the insured person’s hospital Fully covered*
stay
600 75
per visit per visit
1 follow-up outpatient visit per day,
c. Chinese medicine practitioner outpatient care
maximum 15 follow-up outpatient visits per
confinement / day case procedure (within
90 days after discharge from hospital or
completion of day case procedure)
80,000 10,000
d. Rehabilitation benefit2
per policy year per policy year
For stay and treatment in rehabilitation centre
maximum 60 days per policy year
e. Hospice care benefit2 80,000 10,000
For admission in hospice with care and nursing service per policy year per policy year
1,600 200
f. Day surgery cash benefit
per procedure per procedure
Applicable when benefit item I (f) is payable for the same procedure
maximum 1 procedure per policy yearLIFE INSURANCE — MEDICAL PROTECTION 10
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Benefit schedule for AIA Voluntary Health Insurance Prime Scheme (continued)
Recommendation by attending doctor or registered medical practitioner in writing is required.
Benefit limit
Benefit items1,6
HKD USD
g. Stroke rehabilitation benefit
After discharge from hospital
(i) Home facility enhancement benefit2
Designated home facility enhancements such as widening 50,000 6,250
passageways, adapting bathroom facilities and the provision of per incident per incident
specialised furniture, which is prescribed by an occupational
therapist
(ii) Stroke ancillary benefit
1. chiropractor / physiotherapist / speech therapist /
occupational therapist / neurosurgeon2
• for consultation and / or treatment 1,000 per visit 125 per visit
100,000 per incident 12,500 per incident
2. Neurologist2
• for consultation, treatment and / or medicines
prescribed
3. Chinese medicine practitioner
• for consultation, treatment and / or medicines maximum 30 visits per policy year
prescribed
(iii) Disability subsidy benefit 5,000 per month 625 per month
• For disability continued for 6 months maximum 24 months per incident
h. Emergency dental benefit
Fully covered*
Treatments within 3 months of the accident
i. Compassionate death benefit
40,000 5,000
Payable to the beneficiary if the insured person passes away
j. No claim medical check-up services
Including height and weight measure, eye examination and urine Applicable
routine examination
k. Personal medical case management services Applicable
l. Worldwide emergency assistance services5
(i) Emergency medical evacuation
5,000,000 625,000
(ii) Repatriation of remains per trip per trip
(iii) Compassionate visit
(iv) Return of minor
(v) 24-hour worldwide telephone enquiry services Included11 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
* Fully covered shall mean no itemised benefit sublimit.
^ For any non-emergency treatments performed outside Asia, the maximum limit of surgeon's fee is subject to the relevant surgical
category and the categorisation of such surgical procedure. For details on the surgical category and the categorisation of such
surgical procedure, please visit www.aia.com.hk.
Notes:
1. Unless otherwise specified, eligible expenses incurred in respect of the same item shall not be recoverable under more than one
benefit item in the table above.
2. We shall have the right to ask for proof of recommendation, e.g. written referral or testifying statement on the claim form by the
attending doctor or registered medical practitioner.
3. Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron
emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
4. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
5. If you wish to remove Worldwide emergency assistance services benefit under AIA Voluntary Health Insurance Prime
Scheme, please send a written notice to the Company.
6. Benefit items I (a) - (l) are provided under VHIS with another set of benefit limits as stated in the VHIS Standard Plan Terms
and Benefits. For further details, please visit www.vhis.gov.hk.LIFE INSURANCE — MEDICAL PROTECTION 12 AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
13 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Important Information 5. The future medical costs will be higher than they are
today due to inflation. Hence, the benefit amounts and
This brochure is for reference only. It is not, and does not form the future premium rate of this plan may be revised to
part of, a contract of insurance and is designed to provide reflect the inflation.
an overview of the key features of this product. The precise
terms and conditions of this plan are specified in the policy Key Exclusions
contract. Please refer to the policy contract for the definitions
of capitalised terms, and the exact and complete terms and
conditions of cover. This brochure should be read along Under this plan, we will not pay any benefits in relation to or
with the illustrative document (if any) and other relevant arising from the following expenses:
marketing materials, which include additional information
and important considerations about this product. We would • treatments, procedures, medications, tests or services
like to remind you to review the relevant product materials which are not medically necessary
provided to you and seek independent professional advice • solely for the purpose of diagnostic procedures or
if necessary. allied health services, including but not limited to
physiotherapy, occupational therapy and speech therapy
This plan is an insurance plan without any savings element.
All premiums are paid for the insurance and related costs. • HIV and its related disability, which is contracted or
occurs before the policy effective date, except for sexual
This brochure is for distribution in Hong Kong only. assault, medical assistance, organ transplant, blood
transfusions or blood donation, or infection at birth
Key Product Risks • the dependence, overdose or influence of drugs, alcohol,
narcotics or similar drugs or agents, self-inflicted injuries
1. You need to pay the premium for this plan for life as long or attempted suicide, illegal activity, or venereal and
as you renew for this plan. If you do not pay the premium sexually transmitted disease or its sequelae
within 30 days of the premium due date, the policy will
• services for beautification or cosmetic purposes,
be terminated and you / the insured person will lose the
unless necessitated by injury caused by an accident or
cover.
covered by Reconstructive surgery benefit and Medical
2. We will terminate your policy and you / the insured appliances benefit for reconstructive surgery (see
person will lose the cover when one of the following benefit schedule, benefit items I (p) and (q) for details),
happens: or correcting visual acuity or refractive errors that can
be corrected by fitting of spectacles or contact lens,
• the insured person passes away; including but not limited to LASIK
• you do not pay the premium within 30 days after the • prophylactic treatment or preventive care, including but
premium due date; not limited to general check-ups, routine tests, screening
procedures for asymptomatic conditions
• the aggregate benefits under the relevant insurance
policy reaches the lifetime benefit limit; or • dental treatment and oral and maxillofacial procedures
performed by a dentist except for emergency treatment
• the Company has ceased to have the requisite and surgery during confinement arising from an accident
authorization under the Insurance Ordinance to or covered by Emergency dental benefit (see benefit
write or continue to write the plan. schedule, benefit item II (h) for details)
3. We underwrite the plan and you are subject to our credit • medical services and counselling services relating to
risk. If we are unable to satisfy the financial obligations maternity conditions and its complications, including
of the policy, the insured person may lose his cover and but not limited to abortion or miscarriage, birth control
you may lose the remaining premium for that policy year. or reversal of birth control
4. You are subject to exchange rate risks for plans • purchase of durable medical equipment or appliances
denominated in currencies other than the local currency. including but not limited to wheelchairs, hearing aids
Exchange rates fluctuate from time to time. You may and over-the-counter drugs, except covered by Home
suffer a loss of your benefit values and the subsequent facility enhancement benefit (see benefit schedule,
premium payments (if any) may be higher than your benefit item II (g)(i) for details)
initial premium payment as a result of exchange rate
fluctuations. You should consider the exchange rate risks
and decide whether to take such risks.LIFE INSURANCE — MEDICAL PROTECTION 14
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
• traditional Chinese medicine treatment including Benefits Covered
but not limited to herbal treatment, bone-setting and
acupuncture and tui na, and other forms of alternative Cover of this plan will be effective on the following dates:
treatment including but not limited to qigong, massage
therapy and aromatherapy, except covered by Chinese
medicine practitioner outpatient care and Stroke Effective Date
ancillary benefit (see benefit schedule, benefit items II Items (after the policy
(c) and (g)(ii)(3) for details) commences)
• experimental or unproven medical technology or Injury Immediately
procedure Sickness / Disease Immediately
• congenital condition(s) which have manifested or been Specialist network service Immediately
diagnosed before the insured person attained the age of
8 years
Product Limitation
• eligible expenses which have been reimbursed under
any law, or medical program or insurance policy provided
by any government, company or other third party 1. We only cover the charges and / or expenses of the
insured person on medically necessary and reasonable
• war (declared or undeclared), civil war, invasion, acts and customary basis.
of foreign enemies, hostilities, rebellion, revolution,
insurrection, or military or usurped power “Medically Necessary” means the need to have medical
service for the purpose of investigating or treating the
The above list is for reference only. Please refer to the policy relevant disability in accordance with the generally
contract of this plan for the complete list and details of accepted standards of medical practice and such
exclusions. medical service must:
• require the expertise of, or be referred by, a registered
Premium Adjustment and Product Features medical practitioner;
Revision • be consistent with the diagnosis and necessary for
the investigation and treatment of the disability;
1. Premium Adjustment
• be rendered in accordance with standards of good
In order to provide you with continuous protection, we and prudent medical practice, and not be rendered
will annually review and adjust the premium of your plan primarily for the convenience or the comfort of the
accordingly at the end of policy year if necessary. During insured person, his family, caretaker or the attending
the review, we may consider factors including but not registered medical practitioner;
limited to the following:
• be rendered in the setting that is most appropriate
• claim costs incurred from all policies under this plan in the circumstances and in accordance with the
and the expected claim outgo in the coming year generally accepted standards of medical practice for
which reflects the impact of medical trend, medical the medical services; and
cost inflation and product feature revisions
• be furnished at the most appropriate level which, in
• historical investment returns and the future outlook the prudent professional judgment of the attending
of the product's backing asset registered medical practitioner, can be safely and
effectively provided to the insured person.
• policy surrenders and lapses
“Reasonable and Customary” means in relation to a
• expenses directly related to the policy and indirect charge for medical service, such level which does not
expenses allocated to this product exceed the general range of charges being charged by
the relevant service providers in the locality where the
2. Product Features Revision
charge is incurred for similar treatment, services or
We reserve the right to revise the terms and benefits supplies to individuals with similar conditions, e.g. of
upon renewal by giving a 30 days advance notice. As the same sex and similar age, for a similar disability, as
long as we maintain the registration as a VHIS provider, reasonably determined by the Company in utmost good
we guarantee you the terms and benefits will not be less faith. The Reasonable and Customary charges shall not
favourable than the existing version and the latest version in any event exceed the actual charges incurred.
of the Standard Plan terms and benefits published by
In determining whether a charge is Reasonable and
the Government at the time of renewal.
Customary, we shall make reference to the followings (if
applicable):
We will give you a written notice of any revision before
the end of policy year or upon renewal. • treatment or service fee statistics and surveys in the
insurance or medical industry;15 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
• internal or industry claim statistics;
Regions Countries
• gazette published by the government; and / or
Austria, Belgium,
• other pertinent source of reference in the locality Western Europe Denmark, Finland, France,
where the treatments, services or supplies are (For emergency Germany, Greece, Iceland,
provided. treatments, and Ireland, Italy, Luxembourg,
Emergency outpatient Monaco, Netherlands,
2. The insured person will be covered for any room type in treatment benefit (see Norway, Portugal, Spain,
which he stays at hospital, but there will be a reduction benefit schedule, benefit Sweden, Switzerland,
in his benefit pay-out amount in case the insured person item I (r)) only) United Kingdom and
stays in a room type higher than the plan covered. In Vatican City
such a case, the benefit pay-out amount will be adjusted
by multiplying the following factor: 5. For any non-emergency treatments performed outside
Highest daily room charge of the covered room type Asia, the maximum limit of surgeon's fee is subject to the
in the hospital admitted by the insured person relevant surgical category and the categorisation of such
(depends on which country / surgical procedure.
place the insured person stays) 6. Only the eligible expenses charged on the psychiatric
=
treatments during confinement in Hong Kong as
Daily room charge of the room the insured person
recommended by a specialist is payable under Psychiatric
stays
treatments (see benefit schedule, benefit item I (l)).
Except when such confinement in a room of class above
7. Worldwide emergency assistance services are covered
covered room is due to:
during the trip only.
• unavailability of covered room for emergency
8. Specialist Network Service and Credit Facility Service
treatment as a result of capacity shortfall in the
for hospitalisation are not contractual services but the
hospital of confinement;
administrative arrangements offered in our absolute
• isolation reasons that require a specific class of discretion. It is subject to termination at any time without
accommodation; or prior notice.
• other reasons not involving personal preference of
you and / or the insured person. Claim Procedure
3. “Asia” means Afghanistan, Australia, Bangladesh, If you wish to make a claim, you must send us the appropriate
Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, forms and proofs within 90 days after discharge from
India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, hospital or the date on which relevant medical services are
Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, performed and completed. You can get the appropriate claim
New Zealand, North Korea, Pakistan, the Philippines, forms by calling the AIA Customer Hotline (852) 2232 8808
Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, in Hong Kong or by visiting aia.com.hk or any AIA Customer
Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Service Centre.
Vietnam.
4. If the insured person continuously stays for 365 days Warning Statement
in one of the following regions, the medical services,
emergency treatments and / or covered services AIA Voluntary Health Insurance Prime Scheme is an
provided to the insured person in such region will be insurance plan without any savings element. All premiums
permanently reduced to 60% of his benefit pay-out are paid for the insurance and related costs. If you are not
amount. Such reduction applies to all items in the benefit happy with your policy, you have a right to cancel it within
schedule except benefit items II (f), (g)(iii) and (i) - (l): the cooling-off period and obtain a refund of any premiums
and any levy paid. A written notice signed by you should be
Regions Countries received by AIA’s Hong Kong Main Office at 1/F, AIA Hong
Kong Tower, 734 King’s Road, Quarry Bay, Hong Kong within
Australia Australia the cooling-off period (that is, 21 days after the delivery
of the policy or issue of a notice (informing you/your
New Zealand New Zealand representative about the availability of the policy and expiry
date of the cooling-off period), whichever is the earlier).
North America
After the expiration of the cooling-off period, if you cancel
(For emergency the policy before the end of the term, a 30-days prior written
treatments, and notice should be given to us while the amount you receive (if
Emergency outpatient United States and Canada any) may be less than the total premium you have paid.
treatment benefit (see
benefit schedule, benefit
item I (r)) only)LIFE INSURANCE — MEDICAL PROTECTION 16
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Additional Important Information
Effective from 1 January 2018, all policy owners are required to pay a levy on each premium payment made for both new
and in-force Hong Kong policies to the Insurance Authority (IA). For levy details, please visit our website at www.aia.com.
hk/useful-information-ia-en or IA’s website at www.ia.org.hk.
The levy rates and the maximum amount of levy to be paid by policy owners from 2018 till 2021 onwards are listed as below:
Maximum Levy (HKD)
Policy Anniversary Date Levy Rate
Long Term Business
From 1 January 2018 to 31 March 2019 (both dates inclusive) 0.04% $40
From 1 April 2019 to 31 March 2020 (both dates inclusive) 0.06% $60
From 1 April 2020 to 31 March 2021 (both dates inclusive) 0.085% $85
From 1 April 2021 onwards (inclusive of that date) 0.1% $100
1. This product is a medical insurance product issued by 4. The above product information should be used with the
AIA. The underwriting risks, financial obligations and understanding that neither AIA nor Citibank (Hong Kong)
support functions associated with the policies issued by Limited is rendering legal, accounting or tax advice. You
AIA are its responsibility. are advised to check with your personal tax advisor for
advice relevant to your circumstances.
2. All benefits of insurance policy are subject to the credit
risk of AIA and the payments of such benefits and 5. All benefits described under the AIA Voluntary Health
performance of the insurance policy are the obligations Insurance Prime Scheme are not subject to any
and liabilities of AIA. In the worst case, you may lose all restriction in the choice of healthcare services providers
the premium paid and benefit amount that is unable and ward class.
to claim the benefits which you are entitled under the
insurance policy. 6. The policyholder is required to pay for coinsurance and/
or deductible as stated in the terms and benefits and the
Policy benefits are not the obligation of any insurance policy schedule. For the avoidance of doubt, coinsurance
agency or distributor selling or distributing the policy, and deductible do not refer to any amount that the policy
or by any of their affiliates, and none of them makes holder is required to pay if actual expenses exceed
any representation or guarantees regarding the claims- the benefit limits under the Terms and Benefits of this
paying ability of AIA. AIA is responsible for its own product.
financial condition and contractual obligations. Policy
holders bear the default risk in the event that AIA is 7. Benefits shall be payable for any non-emergency
unable to satisfy its financial obligations under the treatments performed outside Asia, up to the benefit
insurance policy(ies). limits as stated in the VHIS Standard Plan terms and
benefits. For further details, please visit www.vhis.gov.hk.
3. Worldwide emergency assistant service is provided by
a third party service provider which we have no control 8. If the policy is terminated due to one of the reasons
over. Such third party service providers not our agents described under point 2 of “Key Product Risk” above,
and we shall not be held liable or responsible for its act such termination shall be effective at 00:00 hours of the
or omission. effective date of termination. For details, please refer to
the policy contract of this plan.17 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
9. AIA is the insurance underwriter of this insurance plan 14. Your current planned benefit may not be sufficient to
and is solely responsible for all approvals, coverage and meet your future needs since the future medical cost
compensations of their insurance plans. AIA shall assume may become higher than they are today due to inflation.
full responsibility for the contracts of their respective Where the actual rate of inflation is higher than expected,
insurance plans. All insurance applications are subject you may receive less in real terms even if we meet all of
to AIA's underwriting and acceptance. AIA reserves the our contractual obligations.
final right to approve any policy application. In case the
policy application is declined, AIA will make full refund 15. Credit Facility Service for Hospitalisation mentioned
of the actual amount of premium and any levy paid by under Credit Facility Service for Hospitalisation leaflet is
the customer without interest. Upon request, AIA will not offered or extended by Citibank (Hong Kong) Limited.
provide an explanation of their underwriting decisions
on declining an application. 16. Personal Medical Case Management service is an
independent value added service arranged by AIA to
10. Any information and statistics quoted from any external assist customers in making a more informed decision.
source is solely for informational purpose only and shall This service will not affect the assessment of claims
not be interpreted as having been adopted or endorsed by by AIA independently according to principle of medical
AIA or Citibank (Hong Kong) Limited as being accurate. necessity.
11. If your application omits facts or contains materially 17. Citibank (Hong Kong) Limited’s role is limited to
incorrect or incomplete facts, AIA has the right to declare distributing the insurance product only and Citibank
the policy void. (Hong Kong) Limited shall not be responsible for any
matters in relation to the products provided.
12. Whether to apply for insurance coverage is your own
individual decision.
13. The policy currency of this plan offers in Hong Kong
dollars (HKD) or in US Dollars (USD). For USD, any
exchange rate fluctuation will have a direct impact on
the amount of premium required and the value of your
benefit(s) in Hong Kong dollar terms.
Any transaction involving currencies involves risks
including, but not limited to, the potential change in
political and / or economic conditions may substantially
affect the price or liquidity of a currency. Policy holder
should pay heed to the presence of the potential currency
risks and decide whether to take such risks.
Please contact your bank financial consultant or call AIA Customer Hotline for details
Hong Kong (852) 2232 8808 AIA Hong Kong
*1299
(on Hong Kong mobile network only)
AIA Hong Kong
aia.com.hk AIA_HK_MACAU1 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
AIA International Limited
(Incorporated in Bermuda with limited liability)
Standard Premium Schedule
Deductible (HKD0/USD0)
Future premiums will be reviewed and adjusted annually if necessary to reflect continuous medical inflation and overall
claim experience under this product. First year premium of the cover is based on the premiums stated below according to
your current attained age, but cannot be regarded as the actual premiums payable by you in the future. We will give you a
written notice before each end of policy year regarding the actual premiums payable of the coming year.
Attained Annual Premium Semi-annual Premium Quarterly Premium Monthly Premium
Age HKD USD HKD USD HKD USD HKD USD
0 - 18 7,600 950 3,880 485 2,128 266 672 84
19 7,680 960 3,920 490 2,152 269 680 85
20 7,840 980 4,000 500 2,192 274 696 87
21 7,920 990 4,040 505 2,216 277 696 87
22 8,160 1,020 4,160 520 2,288 286 720 90
23 8,480 1,060 4,328 541 2,376 297 752 94
24 8,720 1,090 4,448 556 2,440 305 768 96
25 9,360 1,170 4,776 597 2,624 328 824 103
26 9,920 1,240 5,056 632 2,776 347 872 109
27 10,480 1,310 5,344 668 2,936 367 928 116
28 10,960 1,370 5,592 699 3,072 384 968 121
29 11,280 1,410 5,752 719 3,160 395 1,000 125
30 11,440 1,430 5,832 729 3,200 400 1,008 126
31 11,760 1,470 6,000 750 3,296 412 1,040 130
32 11,920 1,490 6,080 760 3,336 417 1,056 132
33 12,240 1,530 6,240 780 3,424 428 1,080 135
34 12,720 1,590 6,488 811 3,560 445 1,120 140
35 12,960 1,620 6,608 826 3,632 454 1,144 143
36 12,960 1,620 6,608 826 3,632 454 1,144 143
37 13,200 1,650 6,736 842 3,696 462 1,168 146
38 13,520 1,690 6,896 862 3,784 473 1,192 149
39 13,600 1,700 6,936 867 3,808 476 1,200 150
40 13,760 1,720 7,016 877 3,856 482 1,216 152
41 14,000 1,750 7,144 893 3,920 490 1,240 155
42 14,320 1,790 7,304 913 4,008 501 1,264 158
43 14,960 1,870 7,632 954 4,192 524 1,320 165
44 15,840 1,980 8,080 1,010 4,432 554 1,400 175
45 16,640 2,080 8,488 1,061 4,656 582 1,472 184
46 17,600 2,200 8,976 1,122 4,928 616 1,552 194
47 18,160 2,270 9,264 1,158 5,088 636 1,600 200
48 18,880 2,360 9,632 1,204 5,288 661 1,664 208
49 19,680 2,460 10,040 1,255 5,512 689 1,736 217
50 20,080 2,510 10,240 1,280 5,624 703 1,776 222
51 20,800 2,600 10,608 1,326 5,824 728 1,840 230
52 21,680 2,710 11,056 1,382 6,072 759 1,912 239
53 22,480 2,810 11,464 1,433 6,296 787 1,984 248
54 23,520 2,940 11,992 1,499 6,584 823 2,080 260
55 24,480 3,060 12,488 1,561 6,856 857 2,160 270
56 25,920 3,240 13,216 1,652 7,256 907 2,288 286
57 27,600 3,450 14,080 1,760 7,728 966 2,440 305
58 28,880 3,610 14,728 1,841 8,088 1,011 2,552 319
Effective from 15 April 2019
Please read together with the “Note” section.LIFE INSURANCE — MEDICAL PROTECTION 2
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Standard Premium Schedule
Deductible (HKD0/USD0) (continued)
Attained Annual Premium Semi-annual Premium Quarterly Premium Monthly Premium
Age HKD USD HKD USD HKD USD HKD USD
59 30,800 3,850 15,712 1,964 8,624 1,078 2,720 340
60 32,800 4,100 16,728 2,091 9,184 1,148 2,896 362
61 35,520 4,440 18,112 2,264 9,944 1,243 3,136 392
62 38,640 4,830 19,704 2,463 10,816 1,352 3,408 426
63 42,640 5,330 21,744 2,718 11,936 1,492 3,768 471
64 47,680 5,960 24,320 3,040 13,352 1,669 4,208 526
65 52,560 6,570 26,808 3,351 14,720 1,840 4,640 580
66 57,040 7,130 29,088 3,636 15,968 1,996 5,040 630
67 58,080 7,260 29,624 3,703 16,264 2,033 5,128 641
68 59,360 7,420 30,272 3,784 16,624 2,078 5,240 655
69 61,280 7,660 31,256 3,907 17,160 2,145 5,408 676
70 62,960 7,870 32,112 4,014 17,632 2,204 5,560 695
71 69,608 8,701 35,504 4,438 19,488 2,436 6,144 768
72 73,464 9,183 37,464 4,683 20,568 2,571 6,488 811
73 77,256 9,657 39,400 4,925 21,632 2,704 6,824 853
74 80,440 10,055 41,024 5,128 22,520 2,815 7,104 888
75 81,904 10,238 41,768 5,221 22,936 2,867 7,232 904
76 87,088 10,886 44,416 5,552 24,384 3,048 7,688 961
77 93,136 11,642 47,496 5,937 26,080 3,260 8,224 1,028
78 95,728 11,966 48,824 6,103 26,800 3,350 8,456 1,057
79 98,752 12,344 50,360 6,295 27,648 3,456 8,720 1,090
80 100,312 12,539 51,160 6,395 28,088 3,511 8,856 1,107
81* 106,120 13,265 54,120 6,765 29,712 3,714 9,368 1,171
82* 109,208 13,651 55,696 6,962 30,576 3,822 9,640 1,205
83* 111,144 13,893 56,680 7,085 31,120 3,890 9,816 1,227
84* 112,904 14,113 57,584 7,198 31,616 3,952 9,968 1,246
85* 114,928 14,366 58,616 7,327 32,176 4,022 10,152 1,269
86* 117,040 14,630 59,688 7,461 32,768 4,096 10,336 1,292
87* 118,888 14,861 60,632 7,579 33,288 4,161 10,496 1,312
88* 120,736 15,092 61,576 7,697 33,808 4,226 10,664 1,333
89* 122,672 15,334 62,560 7,820 34,352 4,294 10,832 1,354
90* 124,608 15,576 63,552 7,944 34,888 4,361 11,000 1,375
91* 126,632 15,829 64,584 8,073 35,456 4,432 11,184 1,398
92* 128,480 16,060 65,528 8,191 35,976 4,497 11,344 1,418
93* 130,416 16,302 66,512 8,314 36,520 4,565 11,512 1,439
94* 132,528 16,566 67,592 8,449 37,104 4,638 11,704 1,463
95* 134,464 16,808 68,576 8,572 37,648 4,706 11,872 1,484
96* 136,488 17,061 69,608 8,701 38,216 4,777 12,048 1,506
97* 138,160 17,270 70,464 8,808 38,688 4,836 12,200 1,525
98* 140,184 17,523 71,496 8,937 39,248 4,906 12,376 1,547
99* 142,208 17,776 72,528 9,066 39,816 4,977 12,560 1,570
Effective from 15 April 2019 USD1 = HKD8
Please read together with the “Note” section.
* For renewal only. Policy owner will be advised of the renewal premium for the age of 100 and above before renewal.3 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Note:
• This Standard Premium Schedule does not include levy which is collected by the Insurance Authority.
• AIA reserves the right to revise the premium schedule.
• This Standard Premium Schedule is for distribution in Hong Kong only.
• Premium payable is based on the insured person’s attained age and the applicable premium schedule at the time of
application or renewal of the cover.
• This Standard Premium Schedule is for reference only. Premiums stated above are non-guaranteed and may increase
with the increase of age. In order to provide you with continuous protection, we will annually review and adjust the
premium of your plan accordingly at the end of policy year if necessary. During the review, we may consider factors
including but not limited to the claim costs incurred from all policies under this plan and the expected claim outgo in
the coming year which reflects the impact of medical trend, medical cost inflation and product feature revisions.
• The Standard Premium Schedule should be read along with the brochure and other relevant documents, which include
additional information and important considerations about this product.
• AIA Voluntary Health Insurance Prime Scheme is Certified Plan under the government’s Voluntary Health Insurance
Scheme underwritten by AIA. All insurance applications are subject to AIA's underwriting and acceptance. AIA reserves
the final right to approve any policy application. In case the policy application is declined, AIA will make full refund of
the actual amount of premium and any levy paid by the customer without interest. AIA shall assume full responsibility
for the contracts of respective insurance plans.
• Citibank (Hong Kong) Limited is an appointed insurance agent for AIA International Limited (Incorporated in Bermuda
with limited liability). Citibank (Hong Kong) Limited’s role is limited to distributing the insurance product only and
Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the products provided. The Standard
Premium Schedule is issued by AIA and is for distribution by Citibank (Hong Kong) Limited in Hong Kong only.
• “AIA”, “AIA Hong Kong”, "the Company", “We”, “our” or “us” herein refers to AIA International Limited (Incorporated in
Bermuda with limited liability).LIFE INSURANCE — MEDICAL PROTECTION 4
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Standard Premium Schedule
Deductible (HKD16,000/USD2,000)
Future premiums will be reviewed and adjusted annually if necessary to reflect continuous medical inflation and overall
claim experience under this product. First year premium of the cover is based on the premiums stated below according to
your current attained age, but cannot be regarded as the actual premiums payable by you in the future. We will give you a
written notice before each end of policy year regarding the actual premiums payable of the coming year.
Attained Annual Premium Semi-annual Premium Quarterly Premium Monthly Premium
Age HKD USD HKD USD HKD USD HKD USD
0-4 3,680 460 1,880 235 1,032 129 328 41
5 - 18 3,440 430 1,752 219 960 120 304 38
19 3,600 450 1,840 230 1,008 126 320 40
20 3,600 450 1,840 230 1,008 126 320 40
21 3,600 450 1,840 230 1,008 126 320 40
22 3,840 480 1,960 245 1,072 134 336 42
23 3,920 490 2,000 250 1,096 137 344 43
24 4,320 540 2,200 275 1,208 151 384 48
25 4,480 560 2,288 286 1,256 157 392 49
26 4,640 580 2,368 296 1,296 162 408 51
27 5,040 630 2,568 321 1,408 176 448 56
28 5,200 650 2,656 332 1,456 182 456 57
29 5,360 670 2,736 342 1,504 188 472 59
30 5,520 690 2,816 352 1,544 193 488 61
31 5,520 690 2,816 352 1,544 193 488 61
32 5,600 700 2,856 357 1,568 196 496 62
33 5,680 710 2,896 362 1,592 199 504 63
34 5,840 730 2,976 372 1,632 204 512 64
35 5,920 740 3,016 377 1,656 207 520 65
36 6,240 780 3,184 398 1,744 218 552 69
37 6,240 780 3,184 398 1,744 218 552 69
38 6,400 800 3,264 408 1,792 224 568 71
39 6,400 800 3,264 408 1,792 224 568 71
40 6,480 810 3,304 413 1,816 227 576 72
41 6,880 860 3,512 439 1,928 241 608 76
42 7,040 880 3,592 449 1,968 246 624 78
43 7,360 920 3,752 469 2,064 258 648 81
44 7,600 950 3,880 485 2,128 266 672 84
45 8,000 1,000 4,080 510 2,240 280 704 88
46 8,400 1,050 4,288 536 2,352 294 744 93
47 8,880 1,110 4,528 566 2,488 311 784 98
48 9,280 1,160 4,736 592 2,600 325 816 102
49 9,680 1,210 4,936 617 2,712 339 856 107
50 9,920 1,240 5,056 632 2,776 347 872 109
51 10,240 1,280 5,224 653 2,864 358 904 113
52 10,480 1,310 5,344 668 2,936 367 928 116
53 11,040 1,380 5,632 704 3,088 386 976 122
54 11,520 1,440 5,872 734 3,224 403 1,016 127
55 11,920 1,490 6,080 760 3,336 417 1,056 132
56 12,720 1,590 6,488 811 3,560 445 1,120 140
57 13,520 1,690 6,896 862 3,784 473 1,192 149
58 14,320 1,790 7,304 913 4,008 501 1,264 158
Effective from 15 April 2019
Please read together with the “Note” section.5 LIFE INSURANCE — MEDICAL PROTECTION
AIA VOLUNTARY HEALTH INSURANCE PRIME SCHEME
Standard Premium Schedule
Deductible (HKD16,000/USD2,000) (continued)
Attained Annual Premium Semi-annual Premium Quarterly Premium Monthly Premium
Age HKD USD HKD USD HKD USD HKD USD
59 15,360 1,920 7,832 979 4,304 538 1,360 170
60 16,240 2,030 8,280 1,035 4,544 568 1,432 179
61 17,520 2,190 8,936 1,117 4,904 613 1,544 193
62 19,120 2,390 9,752 1,219 5,352 669 1,688 211
63 21,200 2,650 10,816 1,352 5,936 742 1,872 234
64 23,600 2,950 12,040 1,505 6,608 826 2,080 260
65 25,920 3,240 13,216 1,652 7,256 907 2,288 286
66 28,240 3,530 14,400 1,800 7,904 988 2,496 312
67 28,720 3,590 14,648 1,831 8,040 1,005 2,536 317
68 29,440 3,680 15,016 1,877 8,240 1,030 2,600 325
69 30,400 3,800 15,504 1,938 8,512 1,064 2,688 336
70 31,360 3,920 15,992 1,999 8,784 1,098 2,768 346
71 34,680 4,335 17,688 2,211 9,712 1,214 3,064 383
72 36,688 4,586 18,712 2,339 10,272 1,284 3,240 405
73 38,328 4,791 19,544 2,443 10,728 1,341 3,384 423
74 40,264 5,033 20,536 2,567 11,272 1,409 3,552 444
75 41,216 5,152 21,024 2,628 11,544 1,443 3,640 455
76 43,376 5,422 22,120 2,765 12,144 1,518 3,832 479
77 46,312 5,789 23,616 2,952 12,968 1,621 4,088 511
78 47,264 5,908 24,104 3,013 13,232 1,654 4,176 522
79 50,024 6,253 25,512 3,189 14,008 1,751 4,416 552
80 51,152 6,394 26,088 3,261 14,320 1,790 4,520 565
81* 52,320 6,540 26,680 3,335 14,648 1,831 4,616 577
82* 54,032 6,754 27,560 3,445 15,128 1,891 4,768 596
83* 54,912 6,864 28,008 3,501 15,376 1,922 4,848 606
84* 56,056 7,007 28,592 3,574 15,696 1,962 4,952 619
85* 56,760 7,095 28,944 3,618 15,896 1,987 5,008 626
86* 57,728 7,216 29,440 3,680 16,160 2,020 5,096 637
87* 58,608 7,326 29,888 3,736 16,408 2,051 5,176 647
88* 59,576 7,447 30,384 3,798 16,680 2,085 5,264 658
89* 60,544 7,568 30,880 3,860 16,952 2,119 5,344 668
90* 61,512 7,689 31,368 3,921 17,224 2,153 5,432 679
91* 62,656 7,832 31,952 3,994 17,544 2,193 5,536 692
92* 63,624 7,953 32,448 4,056 17,816 2,227 5,616 702
93* 64,416 8,052 32,856 4,107 18,040 2,255 5,688 711
94* 65,560 8,195 33,432 4,179 18,360 2,295 5,792 724
95* 66,088 8,261 33,704 4,213 18,504 2,313 5,832 729
96* 67,408 8,426 34,376 4,297 18,872 2,359 5,952 744
97* 68,200 8,525 34,784 4,348 19,096 2,387 6,024 753
98* 69,256 8,657 35,320 4,415 19,392 2,424 6,112 764
99* 70,136 8,767 35,768 4,471 19,640 2,455 6,192 774
Effective from 15 April 2019 USD1 = HKD8
Please read together with the “Note” section.
* For renewal only. Policy owner will be advised of the renewal premium for the age of 100 and above before renewal.You can also read
