Just a moment please.
Voluntary Health Insurance Scheme (VHIS)
Enjoy the lowest price in town via premium refund#
Do you know it requires more than 10 years
to wait for a total joint replacement surgery*

With VHIS, you can have the choice to use private healthcare for your essential
needs while applying for tax deduction to enjoy tax benefit.

Enjoy the lowest price in town via premium refund#
Remarks: +
#During the promotion period, if there is a premium lower than that of AIA amongst the listed Standard Plans under VHIS on the webpage of the Food and Health Bureau, you will be entitled to a refund of the difference in premiums to your policy premiums at the policy year after renewal. This offer is only applicable to the first 10,000 eligible new policies. This promotion is offered by AIA, Citibank shall not be responsible for any of the same. Please click here for details of the terms and conditions of the offer.
*For source of the information, please click here.
Why do I need VHIS via Citibank?

Online application
is available

Enjoy a tax
deduction benefit

Cover on unknown
pre-existing conditions

Guaranteed renewal
up to age 100

No Claim discount
up to 15%

Government certified
for your assurance
You should read the product brochure and other product documents and understand the product's features and risks before proceeding with the application.
Enjoy the lowest price in town via premium refund#
Remarks: +
#During the promotion period, if there is a premium lower than that of AIA amongst the listed Standard Plans under VHIS on the webpage of the Food and Health Bureau, you will be entitled to a refund of the difference in premiums to your policy premiums at the policy year after renewal. This offer is only applicable to the first 10,000 eligible new policies. This promotion is offered by AIA, Citibank shall not be responsible for any of the same. Please click here for details of the terms and conditions of the offer.
What are VHIS’s features?
Benefit item Benefit Limit (HKD)
Room and board (per day) 750
Maximum 180 days per policy year
Miscellaneous charges (per policy year) 14,000
Attending doctor's visit fee (per day) 750
Maximum 180 days per policy year
Specialist's fee (per policy year) 4,300
Intensive care (per day) 3,500
Maximum 25 days per policy year
Surgeon's fee (per surgery)
subject to surgical category for the surgery/
procedure in the Schedule of Surgical Procedures
Complex 50,000
Major 25,000
Intermediate 12,500
Minor 5,000
Anaesthetist's fee 35% of surgeon's fee payable
Operating theatre charges 35% of surgeon's fee payable
prescribed diagnostic imaging tests (per policy year) 20,000
subject to 30% coinsurance
Prescribed non-surgical cancer treatments (per policy year) 80,000
Pre- and post-confinement/
day case procedure outpatient care (per visit)
$580
up to HKD3,000 per policy year
Psychiatric treatments (per policy year) 30,000
You should read the product brochure and other product documents and understand the product's features and risks before proceeding with the application.
Enjoy the lowest price in town via premium refund#
Remarks: +
#During the promotion period, if there is a premium lower than that of AIA amongst the listed Standard Plans under VHIS on the webpage of the Food and Health Bureau, you will be entitled to a refund of the difference in premiums to your policy premiums at the policy year after renewal. This offer is only applicable to the first 10,000 eligible new policies. This promotion is offered by AIA, Citibank shall not be responsible for any of the same. Please click here for details of the terms and conditions of the offer.
VHIS Tips



You should read the product brochure and other product documents and understand the product's features and risks before proceeding with the application.
Enjoy the lowest price in town via premium refund#
Get a quote
Still have further questions? Please visit our branches!
Remarks: +
#During the promotion period, if there is a premium lower than that of AIA amongst the listed Standard Plans under VHIS on the webpage of the Food and Health Bureau, you will be entitled to a refund of the difference in premiums to your policy premiums at the policy year after renewal. This offer is only applicable to the first 10,000 eligible new policies. This promotion is offered by AIA, Citibank shall not be responsible for any of the same. Please click here for details of the terms and conditions of the offer.