AIA Platinum Health (VHIS Flexi Plan)

AIA's Platinum Health is Hong Kong's most comprehensive VHIS Flexi plan, offering unlimited lifetime benefit with no sub-limits on surgery, specialist, or ICU charges, and a per-annum benefit of HK$35 million for private hospital coverage. The plan covers 26 specified critical illnesses including all cancer types with a separate HK$5M cancer benefit, and provides worldwide coverage for emergency treatment. For a 35-year-old non-smoker, the annual premium is approximately HK$12,000 — competitive for the breadth of coverage against hospital bills that could exceed HK$2M for a cancer diagnosis.