Prudential PRUHealth FlexiChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00013-01-000-06. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,162 |
| 45 | HK$7,075 |
| 60 | HK$11,126 |
| 75 | HK$23,846 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$1,200 |
| Hospital charges | HK$18,000 |
| Doctor's visits | HK$1,000 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$50,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$100,000 |
| Outpatient before and after | HK$4,400 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, maternity, chinese medicine, home nursing, a companion bed, rehabilitation, hospice care, kidney dialysis, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | lifetime p.10 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 onwards p.16 |
| Waiting period | 30 days for unknown pre-existing conditions; 300 days for pregnancy complications p.3 |
| Cancellation and refund | Full refund within 21-day cooling-off period; pro-rata refund for current policy year upon death of Insured Person or company ceasing authorization p.3 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, discretion applies) p.11 |
| Room class | Ward p.32 |
| If a higher room is used | No restriction in the choice of ward class for basic and enhanced benefits p.13 |
| Geographical cover | Worldwide, except for psychiatric treatment p.13 |
| Psychiatric treatment area | Hong Kong only p.15 |
| Emergency treatment abroad | Covered worldwide p.13 |
| Full cover on core benefits | no p.32 |
| Annual limit | Unlimited (subject to individual benefit item limits) p.33 |
| Lifetime limit | none p.13 |
| Deductible options | none p.17 |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.32 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to HKD 1,100 per visit, capped at HKD 4,400 per policy year p.32 |
| Post-discharge outpatient | 3 visits per confinement/day case procedure within 90 days, up to HKD 1,100 per visit, capped at HKD 4,400 per policy year p.32 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.32 |
| Diagnostic imaging coinsurance | 30% (0% if conditions in Section 3 of Supplement – Benefits are met) p.32 |
| Non-surgical cancer treatment | HKD 100,000 per Policy Year p.32 |
| Kidney dialysis | Covered up to HKD 90,000 per Policy Year p.33 |
| Day case procedures | Covered as per relevant benefit items (e.g., room and board, miscellaneous charges, surgeon's fee) p.14 |
| Home nursing | HKD 600 per visit, maximum 15 visits per policy year within 31 days post-discharge p.33 |
| Hospice care | none p.21 |
| Chinese medicine | For Specified Cancer only, HKD 400 per visit, maximum 15 visits per policy year within 90 days post-discharge p.33 |
| Physiotherapy | HKD 750 per visit, maximum 10 visits per policy year (pre-confinement and within 90 days post-discharge) p.33 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.19 |
| Pregnancy complications | Covered as per relevant benefit items, subject to 300-day waiting period p.33 |
| Emergency dental | Emergency Treatment and surgery during confinement arising from an Accident p.19 |
| Hospital cash | none |
| Companion bed | HKD 600 per day, maximum 180 days per policy year p.33 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available through Network Medical Services Providers or Network Imaging Centres with Electronic Medical Card and pre-authorisation p.1 |
| No-claim discount | 15% of total premiums paid if no benefit has been paid during the preceding 36 consecutive months (with exceptions for certain day case procedures) p.1 |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment and other forms of alternative treatment (unless covered by Section 9 of Supplement – Benefits) p.18 |
At a constant age of 45, Prudential has filed 2 schedule changes on this plan since 2021, an average of +2.7% a year, taking the premium from HK$5,797 to HK$7,075.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +7.5% |
| 2024 | no change |
| 2025 | +13.5% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Ward (HKD) | Ward | None | Nil (no Annual Benefit Limit) |
| Ward (HKD) | Ward | None | Nil (no Annual Benefit Limit) |
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.