insured person per year
|2.||Hong Kong Federation of Insurers, Medical Claims Statistics 2017.|
|3.||You can make claims up to the annual benefit limit of HKD420,000. This limit replenishes each policy year.|
|4.||The above-mentioned common cancers include the average treatment cost of colorectal cancer, lung cancer, breast cancer and liver cancer during a 5-year rehabilitation period. Colon cancer, lung cancer, breast cancer and liver cancer are the most common cancers in 2016 (Source: Hospital Authority website, Hong Kong Cancer Data Statistics Centre 2016 data). Source: Union Hospital Fee Schedule (updated on January 15, 2018), Hong Kong Sanatorium and Hospital Fee Schedule (updated on August 1, 2018), Hong Kong Breast Cancer And Disease Centre and Cancer Fund and media reports. The information was based on the research in critical illnesses and medical expenses in Hong Kong (data collected in December 2018) conducted by GfK, an independent market research company appointed by AIA. The above information was gathered from external sources on a general basis and is for reference only.|
|5.||Such tax deduction is one of the allowable deductions from assessable income, it does not equate to a direct deduction from total tax payable. For details on tax deductions, please refer to the Hong Kong Inland Revenue Department website and consult with your professional adviser for tax advice.|
(The following example is hypothetical and for illustrative purposes only. If there are any changes in the values, no separate announcement will be made.)
Jonathan believes health is the most valuable asset. He wants protection for his family and himself against the financial difficulties when something unpredictable happens. He purchases AIA Voluntary Health Insurance Standard Scheme for himself, his wife and his daughter.
AIA Voluntary Health Insurance Standard Scheme offers essential medical protection at an affordable premium with flexibility to complement his employer’s group medical plan and reduce the financial impact.
Insured person’s age at policy application
Enjoying both medical protection and applying for tax deductions
Unfortunately, Jonathan is diagnosed with colon cancer. He is recommended for a partial laparoscopic colectomy. After surgery, Jonathan continues to receive non-surgical cancer treatments for recovery.
Estimated colon cancer diagnosis and treatment cost:
|Total fees: HKD$246,908|
|Total fees: HKD$82,740|
total claimable amount is HKD76,740,
Jonathan is well protected on the road to recovery.
Note: Case assumption - Policy anniversary date and date of birth of insured person is 1st January
- With AIA Voluntary Health Insurance Standard Scheme, Jonathan may choose to access private healthcare services for essential medical needs.
- Prescribed non-surgical cancer treatments claim is based on per policy year, Jonathan can continue to receive treatment to ensure his peace of mind.
|^ Prescribed diagnostic imaging tests are subject to 30% coinsurance.|
|Source of Information: The information is extracted from AIA’s research of critical illnesses and medical expenses by GfK Hong Kong, an independent market research company. (Dated March 2019) - Fees and charges from the Union Hospital, Hong Kong Sanatorium & Hospital, St. Paul’s Hospital, Gleneagles Hong Kong Hospital, St.Teresa’s Hospital, Precious Blood Hospital (Caritas), press release from the Government of Hong Kong Special Administrative Region, Hong Kong Cancer Fund, ESDlife, and Hong Kong Education City Limited.|
Up to 4.5 months premium refund1,2
Please read the product brochure and other product documents to understand the product's
features and risks before proceeding with the application.
- Promotion period is from now until 30 June 2021. Terms and conditions apply, please refer to the Terms and Conditions for details.
- The maximum premium refund is up to 4.5 months:
- If you apply for AIA Voluntary Health Insurance Standard Scheme (together with AIA Vitality series) online, you will enjoy a 3 months premium refund (composed of a 2.5 month for AIA Voluntary Health Insurance Standard Scheme, and extra 0.5 month for application through online channel; AND
- If you apply for AIA Voluntary Health Insurance Prime Scheme, you will enjoy extra 0.5 month premium refund; AND
- If you or your family are serving civil servants or serving non-civil servants employed by the Government, and apply for AIA Voluntary Health Insurance Prime Scheme, you will enjoy an extra 1 month premium refund
For the detailed features, terms, conditions, exclusions and the application of AIA Voluntary Health Insurance Prime Scheme, please contact Citibank staff for details.
Guaranteed renewal up to age 100
Cover on unknown pre-existing conditions
Up to HKD$ 420,000 annual benefit limit. This limit replenishes each policy year
No-claim discount up to 15%
Enjoy a tax deduction benefit
|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
|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.
Beside Standard scheme, AIA also provides you with a more comprehensive plan to protect you. The AIA Voluntary Health Insurance Prime Scheme allows you to enjoy superb medical cover throughout Asia with lifetime guaranteed renewal. Enjoy full reimbursement with no itemized benefit sublimit for major medical expenses, hospital stays in a semi-private room and extended caring protection.