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Updated at September 2021

Voluntary Health Insurance Scheme (VHIS)

The Voluntary Health Insurance Scheme (VHIS) took effect on 1 April 2019. There are two certified plans, Standard Plan and Flexi Plan. Compare the pros and cons and pick the plan that suits you best.

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Plan Name

Asia Insurance Asia Unique – Family Care - Standard Plan

Bowtie VHIS Standard

Plan Type

Standard Plan

Standard Plan

Geographical Cover

Worldwide
(For psychiatric treatment, the territorial scope only covers Hong Kong)

Worldwide
(For psychiatric treatment, the territorial scope only covers Hong Kong)

Annual Premium

Smoking StatusSmoking status when the policy is issued

Attained age Attained age when the policy is issued

Non-smoker Aged 21 - 30
Age
Male / Female
Age 1

3180

/

2631

Age 2

3180

/

2631

Age 3

3180

/

2631

Age 4

3180

/

2631

Age 5

3180

/

2631

Age 6

1789

/

1866

Age 7

1789

/

1866

Age 8

1789

/

1866

Age 9

1789

/

1866

Age 10

1789

/

1866

Age
Male / Female
Age 11

1652

/

1722

Age 12

1652

/

1722

Age 13

1652

/

1722

Age 14

1652

/

1722

Age 15

1652

/

1722

Age 16

1652

/

1722

Age 17

1652

/

1722

Age 18

1652

/

1722

Age 19

1710

/

1853

Age 20

1710

/

1853

Age
Male / Female
Age 21

1710

/

1853

Age 22

1710

/

1853

Age 23

1710

/

1853

Age 24

1710

/

1853

Age 25

2153

/

2921

Age 26

2153

/

2921

Age 27

2153

/

2921

Age 28

2153

/

2921

Age 29

2153

/

2921

Age 30

2153

/

2921

Age
Male / Female
Age 31

2318

/

3145

Age 32

2318

/

3145

Age 33

2318

/

3145

Age 34

2318

/

3145

Age 35

2895

/

4162

Age 36

2895

/

4162

Age 37

2895

/

4162

Age 38

2895

/

4162

Age 39

2895

/

4162

Age 40

2895

/

4162

Age
Male / Female
Age 41

3137

/

4162

Age 42

3137

/

4162

Age 43

3137

/

4162

Age 44

3137

/

4162

Age 45

4179

/

5981

Age 46

4179

/

5981

Age 47

4179

/

5981

Age 48

4179

/

5981

Age 49

4179

/

5981

Age 50

4500

/

5981

Age
Male / Female
Age 51

4500

/

5981

Age 52

4500

/

5981

Age 53

4500

/

5981

Age 54

4500

/

5981

Age 55

6451

/

7850

Age 56

6451

/

7850

Age 57

6451

/

7850

Age 58

6948

/

7850

Age 59

6948

/

7850

Age 60

8099

/

8253

Age
Male / Female
Age 61

8099

/

8253

Age 62

8099

/

8253

Age 63

8099

/

8253

Age 64

8099

/

8253

Age 65

11825

/

9408

Age 66

11825

/

9408

Age 67

11825

/

9408

Age 68

11825

/

9408

Age 69

11825

/

9408

Age 70

14375

/

13372

Age
Male / Female
Age 71

14375

/

13372

Age 72

14375

/

13372

Age 73

14375

/

13372

Age 74

14375

/

13372

Age 75

16682

/

14854

Age 76

16682

/

14854

Age 77

16682

/

14854

Age 78

16682

/

14854

Age 79

16682

/

14854

Age 80

20252

/

18122

Age
Male / Female
Age 81

20252

/

18122

Age 82

20252

/

18122

Age 83

20252

/

18122

Age 84

20252

/

18122

Age 85

19783

/

18547

Age 86

19783

/

18547

Age 87

19783

/

18547

Age 88

19783

/

18547

Age 89

19783

/

18547

Age 90

21424

/

19860

Age
Male / Female
Age 91

21424

/

19860

Age 92

21424

/

19860

Age 93

21424

/

19860

Age 94

21424

/

19860

Age 95

22509

/

20684

Age 96

22509

/

20684

Age 97

22509

/

20684

Age 98

22509

/

20684

Age 99

22509

/

20684

Age 100

-

Age
Male / Female
Age 1

1932

/

1632

Age 2

1800

/

1500

Age 3

1680

/

1392

Age 4

1572

/

1272

Age 5

1476

/

1200

Age 6

1344

/

1140

Age 7

1212

/

1092

Age 8

1128

/

1056

Age 9

1080

/

1032

Age 10

1044

/

1032

Age
Male / Female
Age 11

1044

/

1044

Age 12

1056

/

1080

Age 13

1068

/

1116

Age 14

1080

/

1152

Age 15

1092

/

1188

Age 16

1116

/

1236

Age 17

1128

/

1272

Age 18

1128

/

1296

Age 19

1128

/

1332

Age 20

1140

/

1356

Age
Male / Female
Age 21

1176

/

1392

Age 22

1212

/

1440

Age 23

1248

/

1488

Age 24

1296

/

1548

Age 25

1332

/

1608

Age 26

1380

/

1692

Age 27

1428

/

1764

Age 28

1452

/

1836

Age 29

1476

/

1908

Age 30

1512

/

1956

Age
Male / Female
Age 31

1560

/

2016

Age 32

1620

/

2112

Age 33

1668

/

2196

Age 34

1728

/

2292

Age 35

1788

/

2400

Age 36

1848

/

2496

Age 37

1896

/

2592

Age 38

1944

/

2676

Age 39

1992

/

2748

Age 40

2112

/

2868

Age
Male / Female
Age 41

2220

/

2988

Age 42

2340

/

3132

Age 43

2460

/

3264

Age 44

2568

/

3384

Age 45

2688

/

3480

Age 46

2808

/

3576

Age 47

2916

/

3648

Age 48

3036

/

3744

Age 49

3168

/

3828

Age 50

3300

/

3924

Age
Male / Female
Age 51

3444

/

3996

Age 52

3588

/

4080

Age 53

3768

/

4152

Age 54

3960

/

4236

Age 55

4164

/

4332

Age 56

4368

/

4440

Age 57

4656

/

4572

Age 58

4848

/

4704

Age 59

5040

/

4860

Age 60

5388

/

5184

Age
Male / Female
Age 61

5736

/

5544

Age 62

6144

/

5844

Age 63

6540

/

6204

Age 64

6936

/

6552

Age 65

7332

/

6876

Age 66

7704

/

7260

Age 67

7968

/

7572

Age 68

8292

/

7896

Age 69

8796

/

8220

Age 70

9156

/

8556

Age
Male / Female
Age 71

9516

/

8904

Age 72

9900

/

9264

Age 73

10296

/

9636

Age 74

10704

/

10020

Age 75

11136

/

10416

Age 76

11460

/

10728

Age 77

11688

/

10944

Age 78

11928

/

11160

Age 79

12168

/

11388

Age 80

12408

/

11616

Age
Male / Female
Age 81

12660

/

11844

Age 82

12912

/

12084

Age 83

13176

/

12324

Age 84

13440

/

12576

Age 85

13704

/

12828

Age 86

13968

/

13080

Age 87

14244

/

13332

Age 88

14532

/

13596

Age 89

14808

/

13872

Age 90

15108

/

14136

Age
Male / Female
Age 91

15252

/

14280

Age 92

15408

/

14424

Age 93

15564

/

14568

Age 94

15720

/

14712

Age 95

15876

/

14856

Age 96

16032

/

15000

Age 97

16188

/

15144

Age 98

16344

/

15300

Age 99

16512

/

15444

Age 100

-

Age
Male / Female
Age 1

3180

/

2631

Age 2

3180

/

2631

Age 3

3180

/

2631

Age 4

3180

/

2631

Age 5

3180

/

2631

Age 6

1789

/

1866

Age 7

1789

/

1866

Age 8

1789

/

1866

Age 9

1789

/

1866

Age 10

1789

/

1866

Age
Male / Female
Age 11

1652

/

1722

Age 12

1652

/

1722

Age 13

1652

/

1722

Age 14

1652

/

1722

Age 15

1652

/

1722

Age 16

1652

/

1722

Age 17

1652

/

1722

Age 18

1652

/

1722

Age 19

1710

/

1853

Age 20

1710

/

1853

Age
Male / Female
Age 21

1710

/

1853

Age 22

1710

/

1853

Age 23

1710

/

1853

Age 24

1710

/

1853

Age 25

2153

/

2921

Age 26

2153

/

2921

Age 27

2153

/

2921

Age 28

2153

/

2921

Age 29

2153

/

2921

Age 30

2153

/

2921

Age
Male / Female
Age 31

2318

/

3145

Age 32

2318

/

3145

Age 33

2318

/

3145

Age 34

2318

/

3145

Age 35

2895

/

4162

Age 36

2895

/

4162

Age 37

2895

/

4162

Age 38

2895

/

4162

Age 39

2895

/

4162

Age 40

2895

/

4162

Age
Male / Female
Age 41

3137

/

4162

Age 42

3137

/

4162

Age 43

3137

/

4162

Age 44

3137

/

4162

Age 45

4179

/

5981

Age 46

4179

/

5981

Age 47

4179

/

5981

Age 48

4179

/

5981

Age 49

4179

/

5981

Age 50

4500

/

5981

Age
Male / Female
Age 51

4500

/

5981

Age 52

4500

/

5981

Age 53

4500

/

5981

Age 54

4500

/

5981

Age 55

6451

/

7850

Age 56

6451

/

7850

Age 57

6451

/

7850

Age 58

6948

/

7850

Age 59

6948

/

7850

Age 60

8099

/

8253

Age
Male / Female
Age 61

8099

/

8253

Age 62

8099

/

8253

Age 63

8099

/

8253

Age 64

8099

/

8253

Age 65

11825

/

9408

Age 66

11825

/

9408

Age 67

11825

/

9408

Age 68

11825

/

9408

Age 69

11825

/

9408

Age 70

14375

/

13372

Age
Male / Female
Age 71

14375

/

13372

Age 72

14375

/

13372

Age 73

14375

/

13372

Age 74

14375

/

13372

Age 75

16682

/

14854

Age 76

16682

/

14854

Age 77

16682

/

14854

Age 78

16682

/

14854

Age 79

16682

/

14854

Age 80

20252

/

18122

Age
Male / Female
Age 81

20252

/

18122

Age 82

20252

/

18122

Age 83

20252

/

18122

Age 84

20252

/

18122

Age 85

19783

/

18547

Age 86

19783

/

18547

Age 87

19783

/

18547

Age 88

19783

/

18547

Age 89

19783

/

18547

Age 90

21424

/

19860

Age
Male / Female
Age 91

21424

/

19860

Age 92

21424

/

19860

Age 93

21424

/

19860

Age 94

21424

/

19860

Age 95

22509

/

20684

Age 96

22509

/

20684

Age 97

22509

/

20684

Age 98

22509

/

20684

Age 99

22509

/

20684

Age 100

-

Age
Male / Female
Age 1

1932

/

1632

Age 2

1800

/

1500

Age 3

1680

/

1392

Age 4

1572

/

1272

Age 5

1476

/

1200

Age 6

1344

/

1140

Age 7

1212

/

1092

Age 8

1128

/

1056

Age 9

1080

/

1032

Age 10

1044

/

1032

Age
Male / Female
Age 11

1044

/

1044

Age 12

1056

/

1080

Age 13

1068

/

1116

Age 14

1080

/

1152

Age 15

1092

/

1188

Age 16

1116

/

1236

Age 17

1128

/

1272

Age 18

1200

/

1380

Age 19

1284

/

1476

Age 20

1308

/

1560

Age
Male / Female
Age 21

1356

/

1608

Age 22

1392

/

1632

Age 23

1452

/

1716

Age 24

1500

/

1800

Age 25

1548

/

1860

Age 26

1608

/

1968

Age 27

1656

/

2052

Age 28

1680

/

2124

Age 29

1716

/

2232

Age 30

1764

/

2280

Age
Male / Female
Age 31

1812

/

2352

Age 32

1872

/

2460

Age 33

1932

/

2568

Age 34

2004

/

2676

Age 35

2064

/

2796

Age 36

2148

/

2916

Age 37

2220

/

3036

Age 38

2280

/

3144

Age 39

2352

/

3228

Age 40

2472

/

3360

Age
Male / Female
Age 41

2604

/

3516

Age 42

2736

/

3696

Age 43

2868

/

3840

Age 44

3012

/

3972

Age 45

3144

/

4092

Age 46

3288

/

4212

Age 47

3432

/

4284

Age 48

3576

/

4404

Age 49

3720

/

4512

Age 50

3900

/

4608

Age
Male / Female
Age 51

4068

/

4704

Age 52

4248

/

4812

Age 53

4464

/

4896

Age 54

4692

/

5004

Age 55

4932

/

5112

Age 56

5196

/

5256

Age 57

5532

/

5412

Age 58

5784

/

5580

Age 59

6012

/

5772

Age 60

6480

/

6204

Age
Male / Female
Age 61

6888

/

6600

Age 62

7356

/

6924

Age 63

7836

/

7332

Age 64

8292

/

7728

Age 65

8760

/

8112

Age 66

9192

/

8544

Age 67

9540

/

8904

Age 68

9912

/

9288

Age 69

10512

/

9696

Age 70

10944

/

10092

Age
Male / Female
Age 71

11376

/

10500

Age 72

11832

/

10920

Age 73

12312

/

11352

Age 74

12804

/

11808

Age 75

13308

/

12276

Age 76

13704

/

12648

Age 77

13980

/

12900

Age 78

14256

/

13164

Age 79

14544

/

13428

Age 80

14832

/

13692

Age
Male / Female
Age 81

15132

/

13968

Age 82

15432

/

14244

Age 83

15744

/

14532

Age 84

16056

/

14820

Age 85

16380

/

15120

Age 86

16692

/

15420

Age 87

17028

/

15720

Age 88

17364

/

16032

Age 89

17700

/

16344

Age 90

18048

/

16668

Age
Male / Female
Age 91

18228

/

16836

Age 92

18408

/

16992

Age 93

18588

/

17160

Age 94

18780

/

17340

Age 95

18960

/

17508

Age 96

19152

/

17676

Age 97

19344

/

17856

Age 98

19536

/

18024

Age 99

19728

/

18204

Age 100

-

* Premium levy is not included in the above premiums

Level of Ward Class

Nil

Nil

Benefit Items(1)

a) Room and Board (per day)

$750 per day
(Max. 180 days per policy)

$750 per day
(Max. 180 days per policy)

b) Miscellaneous Charges (per policy year)

$14,000 per Policy Year

$14,000 per Policy Year

c) Attending Doctor’s Visit Fee(per day)

$750 per day
(Max. 180 days per policy Year)

$750 per day
(Max. 180 days per policy Year)

d) Specialist’s Fee (per policy year)(2)

$4,300 per Policy Year

$4,300 per Policy Year

e) Intensive Care (per day)

$3,500 per Policy Year
(Max. 25 days per Policy Year)

$3,500 per Policy Year
(Max. 25 days per Policy Year)

f) Surgeon’s Fee (per surgery)

Complex-$50,000

Major-$25,000

Intermediate-$12,500

Minor-$5,000

Complex-$50,000

Major-$25,000

Intermediate-$12,500

Minor-$5,000

g) Anaesthetist’s Fee

35% of Surgeon's fee payable(5)

35% of Surgeon's fee payable(5)

h) Operating Theatre Charges

35% of Surgeon's fee payable(5)

35% of Surgeon's fee payable(5)

i) Prescribed Diagnostic Imaging Tests (per policy year)(2) (3)

$20,000
Subject to 30% Coinsurance

$20,000
Subject to 30% Coinsurance

j) Prescribed Non-surgical Cancer Treatments (per policy year)(4)

$80,000

$80,000

k) Pre- and Post-Confinement / Day Case Procedure Outpatient Care(per visit)(2)

$580 per visit, up to $3,000 per Policy Year
• 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
• 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)

$580 per visit, up to $3,000 per Policy Year
• 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
• 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 (per policy year)

$30,000

$30,000

Enhanced Benefit Items

a) Accident Emergency Outpatient Treatments

Nil

Nil

b) Outpatient Kidney Dialysis(2)

Nil

Nil

c) Post-confinement Daily Home Nursing

Nil

Nil

d) Rehabilitative Care(2)

Nil

Nil

e) Hospital Companion Bed

Nil

Nil

f) Supplementary Major Medical Benefit

Nil

Nil

g) In-hospital Private Nurse

Nil

Nil

h) Specific Day Case Procedureat Network Provider

Nil

Nil

i) Hospice care

Nil

Nil

j) Specified Endoscopy Procedure at the Network Day CaseEndoscopy Centre

Nil

Nil

k) Post-Confinement / Day Case Procedure Chinese medicine practitioner visit

Nil

Nil

Other Benefit

a) Day Case Procedure Cash Benefit

Nil

Nil

b) Accidental Death

Nil

Nil

c) Special Bonus

Nil

Nil

d) Medical Negligence Benefit

Nil

$500 per week (payable for 52 weeks)(6)

e) Total and Permanent Incapacity Income Benefit(2)

Nil

Nil

f) Medical Appliances(15)

Nil

Nil

g) Upgraded Medical Appliances

Nil

Nil

h) Upgraded Prescribed Non-surgical Cancer Treatments(18)

Nil

Nil

i) Extra Serious Sickness Benefit

Nil

Nil

j) Second Claim Cash Allowance

Nil

Nil

k) Check-up / vaccination / fitness

Nil

Nil

Annual Benefit Limit

$420,000 per Policy Year

$420,000 per Policy Year

Lifetime Benefit LImit

Nil

Nil

Key Features

• Worldwide covered
• 24-hour hotline support
• Enjoy No Claim Discount
• Free online service platform (iAsia) to check your policy details, claim details, list of network doctors, submission of claim

• Fully End-to-End Digital VHIS Experience - from initial application and online underwriting, to making a claim, everything can be done on your smartphone
• Claim Assistance - a dedicated case manager will follow up, and will assist with the estimation and online submission of your claims
• BowtieCash Program - unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program
• Qualified doctor and nurse concierge services - provide professional second medical opinion, explanation of treatment, hospital information and health tips

Deductible (per policy year) (HKD)

Nil

Nil

VHIS Certification Number

S00027-01-000-02

S00023-01-000-02

Product Brochure

Policy Provisions

Company Background

Notes

(1) Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
(2) VHIS Provider 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) The percentage here applies to the Surgeon's fee actually payable or the benefit limit for the Surgeon's fee according to the surgical categorisation, whichever is the lower.
(6) Please refer to the policy for details
(7) The service is provided by a 3rd party service provider and FWD shall not be responsible for any act or failure to act on the part of the 3rd party service provider. This service is not guaranteed renewable and is not applicable to Insured Person aged 75 or above. FWD may revise the details of the services from time to time without prior notice. This service is available to the Insured Person when travelling outside the home country or country of residence for periods not exceeding ninety (90) consecutive days per trip.
(8) Only applicable to Eligible Expenses
(9) BowtieCash Program -unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. $2,000 BowtieCash will be rewarded if promo code "MONEYHERO" has been provided in transaction. Promotion period: from now to 3 November 2021. For details, please refer to the campaign rules of the BowtieCash Program.
(10) No claim in 3 or more consecutive policy years entitles you with a premium discount on the next policy anniversary, up to 15 % of the total premiums paid for the preceding policy year.
(11) Once this plan is in effect, you can book day case procedures at network clinics and day case procedure centres, and a network doctor will apply for the medical expense pre-approval service on your behalf.
(12) Once the service is arranged successfully, AIA 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 settled after treatment, leaving you stress-free at this critical time. After the final claim amount has been settled, any related benefit limits will be reduced accordingly.
(13) Only applicable to the first 10,000 eligible new policies. If the Insured Person is diagnosed with a serious illness, AIA 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.
(14) AIA Vitality is a game changing wellness programme which redefines the traditional concept of insurance, aims to reward customer to live a healthy lifestyle. Once you join AIA Vitality, you can enjoy an instant 10% premium discount for the AIA Voluntary Health Insurance Standard Scheme. If you choose to follow a healthier lifestyle, you can even receive up to 15% premium discount continuously, while at the same time earning AIA Vitality Points and enjoying array of rewards and offers to help you live a healthier lifestyle.
(15) "Compulsory quarantine" means the insured person is confirmed or suspected to have contracted 2019-nCoV virus as certified by any Physician, and the insured person is being confined in an isolated ward of a hospital or kept in an isolated site appointed by the government or at home quarantine for at least twenty-four (24) consecutive hours and continuously stays in there until discharged from the quarantine. Compulsory quarantine order by the government due to travel history alone does not apply.