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VOLUNTARY HEALTH INSURANCE SCHEME
ASIA ELITE
Anchor 1
Life is precious. We believe that good health and wellbeing is vital in your life journey.
We offer the most comprehensive protection, from prevention to cure, guaranteed renewal, and provide fully covered benefits of your major medical expenses.
We aim to safeguard you and your family members from any financial losses due to unexpected health issues throughout your entire life.
Your health, our promise!
Asia Elite is a certified Flexi Plan under Voluntary Health Insurance Scheme (VHIS) and is underwritten by Asia Insurance Company Limited.
VHIS Plan Certification Number:
S00027-01-000-01(not available for new application and renewal with effect on 1 April 2021)
S00027-01-000-02(available for new application and renewal with effect on 1 April 2021)
F00038-01-000-01 (not available for new application and renewal with effect on 1 April 2021)
F00038-02-000-01 (not available for new application and renewal with effect on 1 April 2021)
F00038-01-000-02 (available for new application and renewal with effect on 1 April 2021)
F00038-02-000-02 (available for new application and renewal with effect on 1 April 2021)
F00061-01-000-01
F00061-01-001-01
F00061-02-000-01
F00061-02-001-01
F00061-02-002-01
VHIS provider registration number:
00027
Registration effective date:
28 February 2019
Guaranteed renewal
up to the
age of 100
No lifetime
benefit limit
No waiting
period
Tax deduction
KEY FEATURES
A Wide Range of
Fully Covered
Hospitalization Benefit
Cashless Endoscopy Procedure Service
Cashless endoscopy procedure service at the
appointed Network Day Case Endoscopy
Centres including CUHK Medical Centre and
Hong Kong Baptist Medical Clinic
Prescribed Non-surgical
Cancer Treatment Benefit
Up to HK$500,000 non-surgical cancer
treatments benefit covering Chemotherapy,
Radiotherapy, Targeted Therapy,
Immunotherapy and Hormonal Therapy
Fully Covered Benefit including Outpatient Kidney Dialysis &
Implanted Medical Appliance
Psychiatric Treatment Benefit
Up to HK$30,000 Psychiatric Treatment Benefit
Companion Bed for Child and Elderly
Home Care Service Benefit
Home nursing and assistant healthcare
service including healthcare service for
bathing, dressing, meal delivery or escort
service for consultation at the physician clinic
Provides up to HK$80,000
Hospice Care Benefit
Pre & Post Confinement / Day Case procedure Outpatient Care Benefit
Covering Physiotherapy, Speech Therapy,
Occupational Therapy, Chinese Medicine
Practitioner Visit
Checkup / Vaccination / Fitness Benefit
Covering routine physical examination or
vaccination provided by healthcare
service provider and also fitness class or membership of the fitness gym provided by fitness centre in Hong Kong
Accidental Death Benefit
OUR PLANS
* In the event of an Accident or an Emergency rendering it Medically Necessary that the Insured Person receives immediate treatment in a Hospital outside Asia, the benefits payable under these Terms and Benefits in relation to such days of Confinement shall be multiplied by a 65% adjustment factor and adjustment on class of ward shall not apply.
IMPORTANT NOTES
Inclusion of value-added taxes and goods and services taxes as Eligible Expenses under VHIS Certified Plans
With respect of any Eligible Expenses under the VHIS Certified Plans incurred on or after 1 March 2022, Eligible Expenses shall include value-added taxes and goods and services taxes (“VAT and GST”) (if any) charged or imposed on the relevant medical expenses incurred, subject to the Terms and Benefits applicable in the relevant Certified Plans. The relevant Supplement will be sent to all policy holders concerned upon policy renewal.
Inclusion of public hospitals and private hospitals in Hong Kong in the definition of Hospital
With effect from 1 Jan 2023, the definition of "Hospital" in Part 8 "Definition" of your VHIS policy terms and conditions shall be refined to make clear that it shall include public hospitals as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) and hospitals for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong), subject to other conditions of (b), (c) and (d) in the definition. The relevant Supplement will be sent to all policy holders concerned on or before the respective policy renewals from 1 January 2023.
For any queries, please contact us at 3606 9361 and 3606 9346.
POLICY PROVISIONS
Asia Unique - Family Care (VHIS Standard Plan)
(Cert. No. S00027-01-000-02)
View documents
(Cert. No. S00027-01-000-01)
View documents
Asia Elite (VHIS Flexi Plan)
(Cert. No. F00038-01-000-02 & F00038-02-000-02)
View documents View documents
(Cert. No. F00038-01-000-01 & F00038-02-000-01)
View documents View documents
Asia iCare (VHIS Flexi Plan)
(Cert. No. F00061-01-000-01 &
Cert. No. F00061-01-001-01 &
Cert. No. F00061-02-000-01 &
Cert. No. F00061-02-001-01 &
Cert. No. F00061-02-002-01 &
Notes:
STANDARD PLAN – Asia Unique – Family Care
Certification Number:
S00027-01-000-02 (available for new application and renewal with effect on 1 April 2021)
S00027-01-000-01 (not available for new application and renewal with effect on 1 April 2021)
FLEXI PLAN – Asia Elite
Certification Number:
F00038-01-000-02 & F00038-02-000-02 (available for new application and renewal with effect on 1 April 2021)
F00038-01-000-01 & F00038-02-000-01 (not available for new application and renewal with effect on 1 April 2021)
FLEXI PLAN – Asia iCare
Certification Number:
F00061-01-000-01
F00061-01-001-01
F00061-02-000-01
F00061-02-001-01
F00061-02-002-01
UNDERWRITING
UNDERWRITING PROCEDURE
Apply via iMedical or download the application form and complete your own Personal Information, Lifestyle Information and Health Information in the form.
Submit the application form.
Asia Insurance shall conduct the underwriting process based on applicant’s personal, lifestyle andhealth information provided.
Underwriters shall depend on applicant’s place of residence, age, sex, occupation, lifestyle and health condition, including but not limit to height and weight, individual and family health conditions and history to determine the underwriting decision.
UNDERWRITING FACTORS
Place of residence
Occupation
Age
Lifestyle
Sex
Health Condition
If there is insufficient information for underwriting process, Asia Insurance shall
i) Collect information from the applicants;
ii) Collect information from any hospital, physician, insurance company or organisation that has any records or knowledge of applicant or applicant’s health upon applicant’s authorisation.
Decision as follow will be provided after underwriting process:
i) Accept the application
ii) Impose Premium Loading
iii) Include Case-based Exclusion
iv) Decline the application
Asia Insurance will issue the policy.
Accept
Asia Insurance will issue the counteroffer letter. Counteroffer includes premium loading and/or case-based exclusion. Client has to sign for confirmation and the policy effective date will subject to the signing date.
Counteroffer
Asia Insurance will issue a letter to explain the reason for decline.
Decline
TAX DEDUCTION
The premiums paid for a VHIS Policy is eligible for the tax deduction under the Inland Revenue Ordinance (Cap.112). Premiums paid by a Hong Kong citizen for himself and/or his specified relatives will be allowed for tax deduction. The deduction ceiling for annual deduction is HK$8,000 per Insured Person per year and there is no cap on the number of Insured Persons that are eligible for tax deduction. Asia Insurance will issue the premium statement for tax return in April every year.
EXAMPLE FOR TAX DEDUCTION
If Mr. Lee purchases four policies under Certified Plans for four Insured Persons, and is the Policy Holder of the concerned policies, he can apply for tax deduction for the relevant premiums paid. The ceiling for annual deduction per Insured Person is HK$8,000. In other words, the annual ceiling of tax deduction is HK$32,000 (i.e. HK$8,000 x 4).
Mr. Lee purchased 4 VHIS policies for his family and himself.
1 Policy Holder: Mr. Lee
4 Insured Person: Mr. Lee, Wife, Father, Son
TAXPAYER’S SPECIFIED RELATIVES
Spouse
Children
a) Attained Age < 18
b) Attained Age 18 - 24 with full time education
c) Attained Age ≥ 18 disabled
Siblings / siblings of spouse
a) Attained Age < 18
b) Attained Age 18 - 24 with full time education
c) Attained Age ≥ 18 disabled
Parents and grandparents /
parents and grandparents of spouse
a) Attained Age ≥ 55
b) Attained Age < 55 disabled
MIGRATION
Starting from the end of June 2020, Asia Insurance Company Limited (“Asia Insurance”) will send out the migration invitations together with the renewal notices to eligible customers who have an in-forced non VHIS individual medical plan with Asia Insurance. Customers who have received the migration invitation can choose to migrate their existing plans to any one of the certified VHIS plans which are underwritten by Asia Insurance. The underwriting arrangement for the migration to the VHIS Plan of Asia Insurance is shown as below:
ENQUIRY AND COMPLAINT
1. VHIS Office of Health Bureau (www.vhis.gov.hk) – for issues specific to the VHIS including product availability, features of Certified Plans and compliance with Code of Practice for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme;
2. Insurance Authority (www.ia.org.hk) – for issues concerning the general conduct of insurance companies and intermediaries; and
3. Inland Revenue Department (www.ird.gov.hk) – for issues concerning claims for tax deduction.
4. Asia Insurance
Hotline: 3606 9311 / 3606 9361
E-mail: VHIS@afh.hk
Mail: 7/F & 8/F, 118 Connaught Rd. West, Sheung Wan, Hong Kong
CHANGE OF POLICY HOLDER
The Company shall not reject any application by the Policy Holder for the transfer of ownership to –
(a) the Insured Person if he has reached the Age of eighteen (18) years;
(b) the parent or the Guardian of the Insured Person if he is a Minor; or
(c) any person whose familial relationship with the Insured Person is accepted by the Company according to its prevailing underwriting practices which are readily accessible by the Policy Holder.
RELATED FORMS
VHIS Standard Plan Application Form
Hospitalization Claim Form
VHIS Flexi Plan Application Form
Out-patient Claim Form
Asia iCare (VHIS Flexi Plan) Application Form
Information Change Form
FREQUENTLY ASKED QUESTIONS
Do I have to submit all the supporting documents including my health history, which are mentioned in the application form?
Yes, applicants have to provide all relevant medical records and/or check-up reports which are material for the underwriting process. We may check with any hospital, physician, insurance company or organisation that has any records or knowledge of applicant or applicant’s health upon applicant’s authorisation.
I had certain medical impairment but I forgot to disclose on my application form. What should I do?
If any material fact relating to health related information of the Insured Person which may impact the risk assessment by the Company is incorrectly stated in, or omitted from, any required document submitted to the Company for the purpose of the application, the Company has the right to declare this Policy void as from the Policy Effective Date and notify the Policy Holder that no cover shall be provided.
If you have certain medical impairment omitted from your application, you need to provide such health related information to the Company immediately. The Company would re-underwrite the terms and benefit based on the updated information. Premium Loading, Case-based Exclusion(s), or rejection of the application may be applied as a result of the underwriting.
What is Premium Loading and Case-based Exclusion?
"Case-based Exclusion" shall mean the exclusion of a particular Sickness or Disease from the coverage of these Terms and Benefits that may be applied by the Company based on a Pre-existing Condition or factors affecting the insurability of the Insured Person.
"Premium Loading" shall mean the additional premium on top of the Standard Premium charged by the Company to the Policy Holder according to the additional risk assessed for the Insured Person.
Is it acceptable for more than one Policy Holder per each VHIS application?
We accept multiple Policy Holder per each VHIS application but a Representative Policy Holder should be designated.
What should I do if I have questions about the Voluntary Health Insurance Scheme?
If you have any questions about Voluntary Health Insurance Scheme, please contact VHIS Office of Health Bureau (www.vhis.gov.hk) for more details.
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