LIFE INSURANCE – MEDICAL PROTECTION

CEO MEDICAL PLAN 5 (CEO5) /

CEO MEDICAL PLAN (WORLDWIDE) 5 (CEOW5)

SUPERIOR GLOBAL
PROTECTION
YOU CAN RELY ON
CEO Medical Plan 5 /
CEO Medical Plan (Worldwide) 5
provides prime protection to let you enjoy your
lifestyle wherever you are in the world.

View e-copy

AIA International Limited

(Incorporated in Bermuda with limited liability)
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With success come greater

responsibilities and concerns
for your family’s future
A reliable plan is vital insurance and confidence in any situation. With
global medical protection, guaranteed renewal and
full reimbursement for major medical expenses, you
AIA’s CEO Medical Plan 5 / CEO Medical Plan can pursue your life with passion and make the most
(Worldwide) 5 provides a lifetime of quality medical out of every occasion.

Cover at a glance
Product Nature Medical protection insurance plan (Reimbursement)
Plan Type Basic plan and add-on plan
Insured’s Age at Application 15 days to age 70
Basic plan: annually / semi-annually / quarterly / monthly
Premium Payment Mode Add-on plan: follow the corresponding basic plan
HK$ US$
Overall Lifetime Limit 50,000,000 6,250,000
Annual Limit 20,000,000 2,500,000
Annual Deductible Choices 0 / 16,000 / 25,000 / 50,000 0 / 2,000 / 3,125 / 6,250
Geographical Cover
• CEO Medical Plan (Worldwide) 5 Worldwide
• CEO Medical Plan 5 Worldwide excluding the United States
Room Type Standard private room
• worldwide cover for hospital stay
• time-saving and convenient day surgeries
• high quality specialist network
Core Benefits • broad post-hospitalisation care
• extended caring protection for your specific needs, including cancer treatment, dialysis
treatment, stroke rehabilitation benefits and pregnancy complications benefit
• global emergency treatment and worldwide emergency assistance services
• outpatient benefits
Optional Benefits
• dental benefits
For more information, please read the benefits schedule for CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5 in this brochure.

Lifetime medical protection Lifetime guaranteed renewal

CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5 is a CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5
medical protection insurance plan that provides lifetime guarantees that your premium for renewal will not be raised for
cover up to HK$50,000,000. With this plan, you will enjoy any claim you have made, or any changes in your health
broad hospitalisation and surgery cover around the world, condition. You can renew your cover every year for life. Renewal
giving you support when you need it most. premium will be based on the prevailing premium rates at the
time of renewal (Please refer to the Annual Premium Table for
the first year premium provided by your financial planner).

“AIA”, “the Company”, “We”, “our” or “us” herein refers to AIA International Limited (Incorporated in Bermuda with limited liability).
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Extended caring protection No-claim deductible

to safeguard the needs of discount up to 100%
stroke and cancer patients If no claim is made for two consecutive cover years, our
CEO Medical Plan 5 / CEO Medical Plan (Worldwide) 5 offers a
Stroke is a common disease with potentially harmful 10% discount on your selected deductible choice in the
consequences, often requiring extensive periods of recovery following cover year. Such discount will accumulate every two
and additional living support. This plan offers extended caring consecutive cover years and can reach up to 100%, meaning
protection to address the daily needs and self-care capabilities that the deductible amount can be reduced to zero.
of stroke patients, so that you may receive the proper care even
in the comfort of your own home. These include: The discount applies to the original deductible amount of your plan,
and will be reset to 0% in the next cover year upon claim payment.
• home facility enhancements approved by occupational
therapists – widening of corridors, adapting bathroom Even if you received hospital cash benefit, lower room class
facilities and purchasing specialised furniture, etc. cash benefit, day surgery benefit, day surgery cash benefit or
worldwide emergency assistance services (see benefits
• professional medical support – consultations, treatments schedule, items 8, 9, 11, 13 and 29 for details), your eligibility for
and prescriptions from chiropractors, physiotherapists, this discount will not be affected.
speech therapists, occupational therapists, neurologist,
neurosurgeons and Chinese medical practitioners according
to your personal needs

• disability subsidy – if you become unable to take care of

yourself for at least 6 uninterrupted months, we will provide
a disability subsidy of HK$5,000 per month to you for up to
24 months

This plan also includes enhanced support for cancer patients

with cover for chemotherapy, radiotherapy, targeted therapy
and the related consultations, medications and diagnostic tests.
For patients with kidney diseases, we also cover the expenses
required for regular dialysis treatments.

Illustration of no-claim deductible discount – annual deductible

choice of HK$25,000 is selected
Deductible is reduced
Deductible is reduced by Deductible is reduced by again by 10% to
Deductible is reset to
10% to HK$22,500 20% to HK$20,000 if you HK$22,500
HK$25,000 on
if you do not make a claim do not make a claim for 4 if you do not make a claim
reimbursement
for 2 consecutive years consecutive years in the previous
2 consecutive years

Cover year
1 2 3 4 5 6 7 8

A claim of HK$40,000 is
reimbursed in the 5th year
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AIA “Health and Wellness 360”

Taking care of your needs
comprehensively from prevention,
protection, treatment to recovery
AIA understands that health has become more and more important to you. We strive to
do more for you to look out for your health. As your all-round health guardian, we offer
an array of extra health and medical services and are there with you to live Healthier,
Longer, Better Lives.

We encourage you to build a healthy lifestyle to prevent getting sick. Even if

you feel unwell, AIA offers you diverse value-added medical services from treatment to
recovery, partnering with top medical specialists and professional service providers
around the globe to support you for faster recovery.

Personal Medical Case Management Hassle-free medical payment at

Services with Rehabilitation Management* home and overseas
If you are unfortunately diagnosed with a serious illness, an When you are facing a health challenge, the last thing you
expert team is here to help. Through Personal Medical Case want is the hassle of paying your medical bills, especially in
Management Services with Rehabilitation Management, our a foreign country. Through AIA, you can enjoy the total
designated service provider will get you the medical support convenience of cashless hospitalisation, even while in
you need with ongoing updates on your condition, and tailor designated private hospitals in Asia, including Singapore,
a personalised rehabilitation plan for you. Malaysia and Thailand, as well as the United States and
Europe (subject to geographic cover set out in the benefit
Your diagnosis and treatment will be assessed by a specialist, schedule). Once this service has been approved, we will
so you can count on additional medical settle the medical expenses incurred during your hospital
expertise to help you overcome your health stay on your behalf, allowing you to focus on your recovery
challenges with confidence. without the stress of paying hospital bills and making
subsequent claims. Any shortfall payment resulting from
For more information, please refer to the your hospital stay will be settled after your
Personal Medical Case Management Services treatment. Once the final claim amount has
with Rehabilitation Management leaflet. View e-copy been settled, any related benefit limits will
be reduced accordingly.

Access a high-quality medical network* For more information and the list of designated
hospitals, please refer to our Credit Facility
Service for Hospitalisation leaflet. View e-copy
This is a value-added service designed to further enhance your
peace of mind in a medical situation. Our medical network has
a group of multi-disciplinary medical specialists and provides
you with access to a number of advanced day case medical Worldwide emergency assistance
centres, a safe and convenient alternative to hospitals. You can
book day case procedure at network clinics and day case A worldwide assistance hotline is open 24/7 for any
procedure centres, the network doctor will apply for the Medical emergency support you might need, especially when you are
Expense Pre-approval Service on your behalf. abroad. Help is always just one call away.
You can also enjoy the convenience of
cashless hospitalisation (also known as Credit
Facility Service for Hospitalisation) and a
dedicated hotline for centralised booking.
View e-copy
For more information, please refer to the
specialist network leaflet.

* This service is provided in Hong Kong by the designated service provider engaged by AIAHK and is not applicable to Macau Region.
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Flexibility to suit your needs Whether you are looking for full protection or top-up cover to
supplement your current medical plan, annual deductible
choices allow you to specify how much you are willing to pay
We understand that everyone’s situation is different. That’s before you claim. Higher deductible amount could lower your
why we offer various benefit combination choices to suit premium. For example, if you chose an annual deductible of
your personal medical needs: HK$16,000 and your eligible medical expense is HK$100,000,
you would receive HK$100,000 less your deductible, which
Worldwide / would be HK$84,000.
Geographical Cover Choices Worldwide (excluding
the United States) You can also choose to reduce your annual deductible
amount to a specified amount without having to provide us
+ with current details of your health upon the anniversary of
your cover at the age of 50, 55, 60 or 65. The premium will be
HK$ US$ adjusted based on your selected deductible amount, and
0 0 your out-of-pocket limit for a claim will be reduced. Before
16,000 2,000 making your request for this reduction of deductible,
Annual Deductible Choices you may have to reassess if this reduction can suit your
25,000 3,125
personal needs.
50,000 6,250

+ In addition, you have the flexibility to take CEO Medical Plan 5 /

CEO Medical Plan (Worldwide) 5 as either a standalone
Outpatient benefits / insurance plan or as an add-on plan of specified basic plans.
Optional Benefit Choices
Dental benefits
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Example
(The following example is hypothetical and for illustrative purposes only. If there
are any changes in the values, no separate announcement will be made.)

Policy owner and insured: Alan (Age 35)

Occupation: Account Director
Family status: Married, with a daughter
Current cover: Employer’s group medical plan

Alan wants a plan which is able to provide a broad protection for him and his family with greater
flexibility to cover the insufficiency of his employer’s current group medical plan. Guaranteed
CEO Medical Plan 5 offers Alan superior protection at an affordable premium with an overall
lifetime renewal
lifetime limit of up to HK$50,000,000 to supplement his employer’s group medical plan. The plan
provides broad extended benefits to ensure sufficient cover from pre-hospitalisation to post-hospitalisation on the road
to recovery continuously.

Scenario: Alan is diagnosed with cancer and stroke before and after retirement respectively. He makes claims for the expenses of
pre, during and post-hospitialisation.

Insured’s Age
Age 35 Age 53 Age 55 Age 75

Employed Diagnosed with colorectal cancer Retired Diagnosed with stroke

Alan purchases Received treatment and recovered in Hong Kong Completed the Received treatment and recovered in Hong Kong
CEO Medical Plan 5 Case reviewed and managed by our designated service treatment of Case reviewed and managed by our designated service provider
colorectal cancer
Overall provider of Personal Medical Case Management Services and fully recovered of Personal Medical Case Management Services
lifetime limit: Eligible treatments can be claimed: Eligible treatments can be claimed:
HK$50,000,000
• pre-hospitalisation outpatient consultation • pre-hospitalisation outpatient consultation
Annual limit:
+ +
HK$20,000,000
• confinement and reverse colostomy surgery • confinement
+ +
• cancer treatment, including blood test in day surgery • post-hospitalisation outpatient consultation
centre, chemotherapy and outpatient consultation
and medication related to chemotherapy Claimed in full after deductible (if any)
+
• post surgery home nursing • post-hospitalisation ancillary treatment, including the
treatment of physiotherapy, Chinese medicine practitioner and
Claimed in full after deductible (if any) occupational therapist

• post-hospitalisation ancillary treatment, including Stroke rehabilitation benefit:

the treatment of physiotherapy and Chinese • home facility enhancement to help Alan to adapt to the new
medicine practitioner life at home
• stroke ancillary benefit, including the treatment provided by
physiotherapist, neurologist and Chinese medicine practitioner
• disability subsidy benefit: to provide monthly cash allowance
to support Alan for the additional expenses during disability,
such as home nursing service

The claim amount is subject to annual and overall lifetime limit.

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Benefits schedule for CEO Medical Plan 5 / CEO Medical Plan

(Worldwide) 5
Benefit items 1 - 7, 10 - 12, 14 - 24, 25b, 26 - 28, 31 - 38 are reimbursed on medically necessary and reasonable and customary basis.
For more information, please refer to point 2 of the “Product Limitation” section under “Important Information”.

Recommendation by a registered doctor in writing is required.

Overview HK$ US$

Overall Lifetime Limit
Applies to items 1 to 28, and optional outpatient benefits 50,000,000 6,250,000
Annual Limit
Applies to items 1 to 28, and optional outpatient benefits 20,000,000 2,500,000
Geographical Cover
• CEO Medical Plan (Worldwide) 5 Worldwide
• CEO Medical Plan 5
• for all cover Worldwide excluding the United States
• for emergency treatment Worldwide
Room Type Standard private room
Annual Deductible Choices
Applies to items 1 to 28 (except items 8, 9, 13 and 25c), 0 / 16,000 / 25,000 / 50,000 0 / 2,000 / 3,125 / 6,250
and optional outpatient benefits

Optional Benefits Outpatient benefits

Dental benefits

Core benefits
Maximum Benefit
A. Confinement Benefits
HK$ US$
1 Hospital daily room and board benefit
2 Physician’s visit
3 Specialist’s fee Fully covered
4 Miscellaneous hospital expenses benefit
5 Intensive care benefit
6 Private nurse’s fee Fully covered
Nursing service after surgery or discharge from Intensive Care Unit 30 days per year
7 Hospital companion bed benefit Fully covered
Expenses for one companion bed during the insured’s hospital stay

8 Hospital cash benefit 800 per day 100 per day

For stay in a government hospital or in a hospital without charge 90 days per year
9 Lower room class cash benefit 2,000 per day 250 per day
For stay in a room that is in a class lower than the standard private room of a private hospital
in Hong Kong or Macau 10 days per confinement
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Benefits schedule for CEO Medical Plan 5 / CEO Medical Plan

(Worldwide) 5 (continued)
Benefit items 1 - 7, 10 - 12, 14 - 24, 25b, 26 - 28, 31 - 38 are reimbursed on medically necessary and reasonable and customary basis.
For more information, please refer to point 2 of the “Product Limitation” section under “Important Information”.

Recommendation by a registered doctor in writing is required.

Maximum Benefit
B. Surgical Benefits
HK$ US$
10 Surgery benefit
Including surgeon’s fee, anaesthetist’s fee and operating theatre fee
Fully covered
a. All surgeries
Including organ transplantation surgical cost for insured as a receiver

b. Surgery of the donor 30% of the total transplantation cost of

For organ transplantation of heart, kidney, liver, lung or bone marrow both donor and receiver
11 Day surgery benefit
Including surgeon’s fee, anaesthetist’s fee, operating theatre fee and Fully covered
room charge

12 Medical appliances benefit

a. Specified items
Pace maker / stents for Percutaneous Transluminal Coronary
Angioplasty / intraocular lens / artificial cardiac valve / metallic or Fully covered
artificial joints for joint replacement / prosthetic ligaments for
replacement or implantation between bones / prosthetic
intervertebral disc

b. Other items
Prosthetic device other than specified in item 12a
96,000 12,000
c. Reconstructive devices or materials
each item per life each item per life
External, prosthetic or reconstructive devices / materials
implanted during reconstructive surgery

13 Day surgery cash benefit 1,600 per procedure 200 per procedure
Applicable when item 11 is payable for the same procedure 1 procedure per year

C. Post-Hospitalisation Benefits
14 Post-hospitalisation / day surgery outpatient consultation
Follow-up consultation, medication prescribed for a maximum of 30 days
for such consultation and diagnostic tests within 60 days after the
Fully covered
discharge from hospital / day surgery

15 Post surgery home nursing benefit Fully covered

Nursing services within 28 weeks after discharge from hospital (after
28 weeks per year
surgery / admission to Intensive Care Unit)

16 Rehabilitation benefit 80,000 per year 10,000 per year

For stay and treatment in rehabilitation centre 60 days per year
17 Hospice care benefit 80,000 per life 10,000 per life
For stay in hospice with care and nursing service

18 Post-hospitalisation / day surgery ancillary benefit 30,000 3,750

Rehabilitation treatment within 90 days after discharge from hospital / per confinement / per confinement /
the day procedure day surgery day surgery
1 visit per day
a. Chiropractor / physiotherapist / speech therapist / occupational
therapist
1,000 per visit 125 per visit
For consultation and / or treatment
b. Chinese medicine practitioner
For consultation with treatment and medicines prescribed
600 per visit 75 per visit
15 visits per confinement / 15 visits per confinement /
day procedure day procedure
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Benefits schedule for CEO Medical Plan 5 / CEO Medical Plan

(Worldwide) 5 (continued)
Benefit items 1 - 7, 10 - 12, 14 - 24, 25b, 26 - 28, 31 - 38 are reimbursed on medically necessary and reasonable and customary basis.
For more information, please refer to point 2 of the “Product Limitation” section under “Important Information”.

Recommendation by a registered doctor in writing is required.

Maximum Benefit
D. Extended Benefits
HK$ US$
19 Pre-hospitalisation / day surgery outpatient consultation
Including consultation, medication prescribed for a maximum of 30 days
for such consultation and diagnostic tests within 30 days before hospital
stay or day surgery

20 Cancer treatment benefit

Including chemotherapy, radiotherapy, targeted therapy, hormonal Fully covered
therapy, immunotherapy, and proton therapy for a covered illness, and
the consultation, medication and diagnostic tests for and in the course
of these treatments

21 Dialysis benefit
For both on an inpatient or outpatient basis

22 HIV / AIDS treatment benefit 800,000 per life 100,000 per life
23 Mental or nervous disorder benefit 40,000 per year 5,000 per year
For stay and treatment in a mental or psychiatric hospital, or in the
mental or psychiatric unit of a hospital 30 days per year

24 Reconstructive surgery benefit 160,000 20,000

For restoration of function of a body part, appearance, or a breast per covered injury /per covered illness per covered injury /per covered illness
25 Stroke rehabilitation benefit
After discharge from hospital

a. Home facility enhancement benefit 50,000 6,250

Designated home facility enhancements such as widening per life per life
passageways, adapting bathroom facilities and the provision of
specialised furniture, which is prescribed by an occupational
therapist

b. Stroke ancillary benefit 1,000 per visit 125 per visit

i. Chiropractor / Physiotherapist / Speech Therapist / 100,000 per life 12,500 per life
Occupational Therapist / Neurosurgeon
• for consultation and / or treatment
ii. Neurologist
• for consultation, treatment and / or medicines prescribed
30 visits per year
iii. Chinese medicine practitioner
• for consultation, treatment and / or medicines prescribed

c. Disability subsidy benefit 5,000 per month 625 per month

• For disability continued for 6 months 24 months per life
26 Pregnancy complications benefit Fully covered
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Benefits schedule for CEO Medical Plan 5 / CEO Medical Plan

(Worldwide) 5 (continued)
Benefit items 1 - 7, 10 - 12, 14 - 24, 25b, 26 - 28, 31 - 38 are reimbursed on medically necessary and reasonable and customary basis.
For more information, please refer to point 2 of the “Product Limitation” section under “Important Information”.

Recommendation by a registered doctor in writing is required.

Maximum Benefit
E. Emergency Treatment Benefits
HK$ US$
27 Emergency outpatient treatment benefit
Caused by covered accident
Fully covered
28 Emergency dental benefit
Caused by covered accident

29 Worldwide emergency assistance services

a. Emergency medical evacuation

b. Repatriation of remains
5,000,000 625,000
c. Compassionate visit by one immediate family member per life per life
For staying in hospital more than 5 consecutive days

d. Return of children under the age of 18

For staying in hospital more than 5 consecutive days

e. 24-hour worldwide telephone enquiring services Included

F. Death Benefit
30 Compassionate death benefit
Payable to the beneficiary if the insured passes away
80,000 10,000

Optional benefits
Maximum Benefit
G. Outpatient Benefits
HK$ US$
31 Outpatient consultation Fully covered
45 visits per year
1 visit per day
32 Diagnostic procedures and laboratory tests
Fully covered
33 Prescribed medicines and drugs
34 Alternative treatment 8,000 per year 1,000 per year
Including medical treatment performed by a Chinese medicine
practitioner, physiotherapist, or chiropractor 1 visit per day

35 Psychiatric treatment 1,000 per visit 125 per visit

10 visits per year

36 Vaccinations and health check-up 2,400 per year 300 per year
1 check-up per year

H. Dental Benefits (cover up to the age of 66)

37 Routine dental treatment 5,600 per year 700 per year
38 Major restorative treatment 12,000 per year 1,500 per year
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Important Information • any treatment, investigation, service or supplies which is not

medically necessary
• any pre-existing condition or congenital defect that appears or
This brochure does not contain the full terms and conditions of the is diagnosed before the insured reaches the age of 17
policy. It is not, and does not form part of, a contract of insurance and
is designed to provide an overview of the key features of this product. • self-destruction, intentional self-inflicted injury or drug abuse
The precise terms and conditions of this plan are specified in the policy • war or warlike operations, and civil commotion, any violation or
contract. Please refer to the policy contract for the definitions of attempted violation of the law or resisting arrest, acts of terrorism
capitalised terms, and the exact and complete terms and conditions of for the insured is a terrorist, the use of atomic, biological or
cover. In case you want to read policy contract sample before making chemical weapons as well as radioactive, biological or chemical
an application, you can obtain a copy from AIA. This brochure should contamination due to any act of terrorism (except where the
be read along with the illustrative document (if any) and other relevant insured is injured during a trip outside the insured’s permanent
marketing materials, which include additional information and residence country or place); or when the insured travels to a
important considerations about this product. We would like to remind country at war, or where there is warlike operation, mutiny, riot,
you to review the relevant product materials provided to you and seek civil commotion, martial law or state of siege, or a war zone as
independent professional advice if necessary. recognised by the United Nations
This plan is an insurance plan without any savings element. All • pregnancy, miscarriage, child birth, abortion, or related
premiums are paid for the insurance and related costs. complications, except for “pregnancy complications benefit” (see
benefits schedule, item 26 for details), AIDS or any complications
This brochure is for distribution in Hong Kong only. associated with HIV infection, except for the “HIV / AIDS treatment
benefit” (see benefits schedule, item 22 for details), mental or
Key Product Risks nervous disorder, except for the “mental or nervous disorder
benefit” (see benefits schedule, item 23 for details)
1. You need to pay the premium for this plan for life as long as you
renew for this plan or for this add-on plan until the basic plan it is • cosmetic or plastic surgery, dental care or surgery, except for the
attached to is terminated. If you do not pay the premium within 31 “routine dental treatment” under “Dental Benefits” (see benefits
days of the premium due date, the policy will be terminated and schedule, item 37 for details), corrective aids and treatments of
you / the insured will lose the cover. refractive errors unless necessitated by injury caused by an
accident, body check-up, except for the “vaccination and health
2. You may request for the termination of your policy by notifying us check-up” under “Outpatient Benefits” (see benefits schedule,
in written notice. Also, we will terminate your policy and you / the item 36 for details), gradual recovery of health or rest care
insured will lose the cover when one of the following happens: • consumption of any of the following traditional Chinese medicines,
• the insured passes away; except for the “post-hospitalisation / day surgery ancillary benefit”
and “stroke ancillary benefit” (see benefits schedule, items 18b
• you do not pay the premium within 31 days of the premium and 25biii for details):
due date;
° cordyceps / ganoderma / antler / cubilose
• the aggregate benefits under the relevant insurance policy / donkey-hide gelatin / hippocampus / ginseng
reaches the overall lifetime limit; or / red ginseng / American Ginseng / Radix
• when you take this plan as an add-on plan of any basic plan Ginseng Silvestris / antelope horn powder /
which has been terminated. placenta hominis / Agaricus blazei murill /
musk / pearl powder
If the insured happens to be hospitalised on the date when this
plan / add-on plan is terminated because you do not pay the The above list is for reference only. Please refer to the policy
premium within 31 days of the premium due date, we will contract of this plan for the complete list and details of exclusions.
extend the cover for an additional 30 days without the need for
you to make any payments, subject to the same benefit limits Premium Adjustment and Product Features Revision
which apply to your original plan.
1. Premium Adjustment
3. We underwrite the plan and you are subject to our credit risk. If In order to provide you with continuous protection, we will
we are unable to satisfy the financial obligations of the policy, annually review and adjust the premium of your plan accordingly
the insured may lose his cover and you may lose the remaining at the end of policy year if necessary. During the review, we may
premium for that policy year. consider factors including but not limited to the following:
• claim costs incurred from all policies under this plan and
4. You are subject to exchange rate risks for plans denominated in the expected claim outgo in the coming year which reflects
currencies other than the local currency. Exchange rates the impact of medical trend, medical cost inflation and
fluctuate from time to time. You may suffer a loss of your benefit product feature revisions
values and the subsequent premium payments (if any) may be
higher than your initial premium payment as a result of • historical investment returns and the future outlook of the
exchange rate fluctuations. You should consider the exchange product's backing asset
rate risks and decide whether to take such risks. • policy surrenders and lapses
• expenses directly related to the policy and indirect
5. The future medical costs will be higher than they are today due
expenses allocated to this product
to inflation. Hence, the benefit amounts and the future premium
rate of this plan may be revised to reflect the inflation (Please
2. Product Features Revision
refer to Annual Premium Table for the first year premium
We reserve the right to revise the benefit structure, terms and
provided by your financial planner).
conditions and / or product features, so as to keep pace with the
times for medical advancement and to provide you with
Key Exclusions continuous protection.
Under this plan, we will not cover any of the following events
We will give you a written notice of any revision 31 days before the
or conditions:
end of policy year or upon renewal.
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Effective from 1 January 2018, all policy owners are required to pay a levy on each premium payment made for both new and in-force Hong Kong
policies to the Insurance Authority (IA). For levy details, please visit our website at www.aia.com.hk/useful-information-ia-en or IA’s website at
www.ia.org.hk.

Product Limitation provided to the insured in such region will be permanently reduced
to 60% of his benefit pay-out amount. Such reduction applies to all
1. Cover for specific items will be effective on the following dates: items in the benefits schedule except items 29 and 30:
Effective Date Regions Countries
Items (after the policy
commences) North America United States and Canada
Accidental injury Immediately Austria, Belgium, Denmark, Finland,
Illness 30 days France, Germany, Greece, Iceland, Ireland,
Western Europe Italy, Luxembourg, Monaco, Netherlands,
Investigation / treatment / surgery for tonsils, Norway, Portugal, Spain, Sweden,
adenoids, hernias or a disease particular to 120 days Switzerland, United Kingdom and Vatican City
female generative organs
Specialist Network service 180 days 5. If the eligible expenses have been reimbursed under any law, or
Optional dental benefit 6 months medical program or other insurance policy provided by any
Pregnancy complications benefit 10 months government, company, other third party or us, such will not be
reimbursable by us under this policy.
HIV / AIDS treatment 5 years
6. Worldwide emergency assistance services are covered during the
2. We only cover the charges and / or expenses of the insured on trip only (except for 24-hour worldwide telephone enquiring
medically necessary and reasonable and customary basis. services), which are additional benefits. A trip refers to a journey
where the insured person departing abroad from either Hong
“Medically necessary” means that the medical services, Kong, Macau or Mainland China (of which the insured is the
diagnosis and / or treatments are: permanent resident at the time of departure). The services are
• delivered according to standards of good medical practice; provided by third party service provider(s). AIA shall not be
• necessary; and responsible for any act, negligence or omission of medical advice,
opinion, service or treatment on the part of them. AIA reserves the
• cannot be safely delivered in a lower level of medical care. right to amend, suspend or terminate the service without further
Experimental, screening, and preventive services or supplies notice.
are not considered medically necessary.
7. Medical network services, Credit Facility Service for
“Reasonable and customary” means: Hospitalisation, and Medical Expense Pre-approval Service are
• the medical services, diagnosis and / or treatments are additional benefits and do not form part of the contractual
medically necessary and delivered according to standards service. Medical network services are provided by network
of good medical practice; doctor. AIA shall not be responsible for any act or omission of
network doctor in the provision of medical network services.
• the costs of your medical services and the duration of your Credit Facility Service for Hospitalisation is provided by third
hospital stay are not more expensive or longer than the party service provider(s). AIA reserves the right to amend,
usual level of charges or duration for similar treatment in suspend or terminate these services without further notice.
the locality of such services delivered; and
• does not include charges that would not have been made if Claim Procedure
no insurance existed.
We may adjust any and all benefits payable in relation to any If you wish to make a claim, you must notify us in writing within 20
hospital / medical charges which is not a reasonable and days of the date the covered event happened, and send us the
customary charge. appropriate forms and relevant proof within 90 days of the same
date. You can get the appropriate claim forms from your financial
3. The insured will be covered for any room type in which he stays planner, by calling the AIA Customer Hotline (852) 2232 8888 in
at hospital, but there will be a reduction in his benefit pay-out Hong Kong, or by visiting any AIA Customer Service Centre. If you
amount in case the insured stays in a room type higher than the wish to know more about claim related matter, you may visit “File A
plan covered. In such a case, the benefit pay-out amount will be Claim” section under our company website www.aia.com.hk.
adjusted by multiplying the following factor:
Cancellation Right
Daily room charge of the standard private room in the
hospital admitted by the insured You have the right to cancel and obtain a refund of any premiums
= ––––––––––––––––––––––––––––––––––––––––––––––––––– and any levy paid by giving written notice to us. Such notice must be
Daily room charge of the room the insured stays signed by you and submitted to the Customer Service Centre of AIA
International Limited at 12/F, AIA Tower, 183 Electric Road, North
4. If the insured continuously stays for 365 days in one of the Point, Hong Kong within 21 calendar days immediately following
following regions, the medical services and / or treatments either the day of delivery of the policy or the Cooling-off Notice to
you or your nominated representative, whichever is the earlier.
health (B)

Please contact your financial planner or call AIA Customer Hotline for details
Hong Kong (852) 2232 8888
PTA999420.0723

AIA Hong Kong and Macau

*1299
(on Hong Kong mobile network only)
AIA_HK_MACAU
aia.com.hk