AIA

What does the AIA Voluntary Health Insurance Standard Scheme provide?

AIA offers the AIA Voluntary Health Insurance Standard Scheme, a medical protection insurance plan available as a basic plan or an add-on plan.

The scheme is described as a reimbursement medical protection insurance plan and can be taken as a stand-alone plan or as an add-on to specified basic plans.

What are the scheme’s renewal and issue-age limits?

The scheme offers guaranteed renewal up to the insured person’s age 100 and accepts applicants from 15 days to age 80.

What annual benefit limit applies, and is there a lifetime limit?

The scheme has no lifetime benefit limit and allows claims up to HKD420,000 per policy year, with the annual limit replenishing each policy year.

How does cover for unknown pre-existing conditions work?

The scheme provides partial cover for unknown pre-existing conditions during the first three policy years and full cover from the fourth policy year onwards.

When may a policyholder qualify for a no-claim discount?

If no claims are made for at least three consecutive policy years, the insured becomes eligible for a premium discount on the next policy anniversary.

What tax deduction may be available for an insured person?

The page states that tax deductions of up to HKD8,000 per insured person per year may be available; the deduction is from assessable income, not a direct reduction of total tax payable.

Can AIA settle private-hospital expenses directly?

With Cashless Hospitalisation, AIA settles the insured’s medical expenses directly with the private hospital on their behalf.

What does the Medical Expense Pre-approval Service help with?

AIA’s Medical Expense Pre-approval Service is intended to help customers control day-surgery or hospitalization expenses.

Can insured people use telemedicine at home, and where does the service apply?

AIA’s Telemedicine Service lets insured people have a medical consultation and receive medication while staying at home.

The Telemedicine Service applies only when the insured person is physically in Hong Kong.

Who can buy the scheme online through AIA iShop?

Online purchase through AIA iShop is available in Hong Kong to HKID card holders aged 18 or above.

Where can customers review full terms, exclusions and product risks?

The webpage does not contain the full product terms; customers can refer to the brochure and policy contract for features, conditions, exclusions and key risks, and may request a sample policy contract before applying.