Hong Kong VHISAIA Voluntary Health Insurance Standard Scheme
Certified Standard
Full AIA dossierHK$420,000 per policy year; no lifetime benefit limit.
Annual reference benefit maximum · HKD
AIA International Limited
Insurer evaluation · sourced dossier
AIAread before you sign.
Use this guide to assess a specific AIA plan, not the brand in isolation. The insurer name is included for comparison research; it does not confirm a commercial partnership, product availability or recommendation.
Illustrative stock photographs (Unsplash); not ExpatMedicare staff, clients or AIA members.
Document-led product discovery
Local insurance · Hong Kong
Hong Kong VHIS products only. Certification, room class and local schedules must not be merged with international IPMI.
18 October 2026
1 tier / reimbursement-basis records · benefit ceilings, not premiums
Hong Kong VHISSource boundaries
Products still under document review
Cigna VHIS Flexi Superior
July 2026 brochure and current certification list read: HK$30m annual limit. Current -06 policy wording, exact issuer and matched room/deductible contract not verified. Not Cigna Global.
Official sourceAIA VHIS Flexi
Matching current benefit schedule, certification and full terms still required.
Official source
FWD VHIS
Do not assign range-level headline benefits to a specific tier; matching certified product and policy wording still required.
Official sourceGovernment registry: Allianz Global Corporate & Specialty SE ceased VHIS registration on 1 July 2022; its Medical Protect Standard Plan is renewal-only and excluded from this new-business comparison. Official provider registry. Standard premium PDFs are not personal quote estimates. Standard and Flexi plans remain separate.
Explore the published facts
If you compare alternatives
- Compare an accepted AIA quotation with alternatives using identical residence, people, dates, modules, area and deductible.
- For ongoing care: ask each issuer about accepted medical continuity, prescriptions and treatment in every setting.
- For a family or planned maternity: compare waiting periods, newborn terms and each member’s accepted schedule.
- For frequent moves or remote stays: compare residence eligibility, local network, transport approval and renewal clauses.
- Reject a proposed fit if the actual contract leaves an essential need uncovered; a brand name alone cannot settle the choice.
Request the documents
Ask an adviser whether the exact product is available for your residence and request current documents through an appropriate channel. Share medical declarations only through the insurer's secure process, not a general WhatsApp request.
Start with the actual policy documents.
Ask about AIA plan evaluation, current wording and the appropriate next steps. No medical records in the initial message.