Prudential PRUHealth FlexiChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00013-01-002-06. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,149 |
| 45 | HK$13,869 |
| 60 | HK$20,500 |
| 75 | HK$43,452 |
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.9 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for the first 30 days of the first Policy Year; full coverage from the 31st day of the first Policy Year onwards. p.16 |
| Waiting period | 30 days for unknown pre-existing conditions p.16 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; after cooling-off, cancellation with 30 days notice if no benefits paid in relevant Policy Year p.3 |
| Switching from another plan | Possible to switch to another plan, re-underwriting may apply for upgrades, but not for downgrades p.11 |
| Room class | Ward p.32 |
| If a higher room is used | If a higher room class than Ward is chosen, Relevant Benefit Payable is multiplied by 50% for Semi-private Room, 25% for Private Room or Above Private Room. p.33 |
| Geographical cover | worldwide, except for psychiatric treatment p.13 |
| Psychiatric treatment area | Hong Kong only p.15 |
| Emergency treatment abroad | Covered worldwide within the general territory scope p.13 |
| Full cover on core benefits | no p.32 |
| Annual limit | unlimited p.33 |
| Lifetime limit | none p.13 |
| Deductible options | none |
| Coinsurance | none for basic benefits; 30% for Prescribed Diagnostic Imaging Tests (can be 0% if conditions met); 20% for PRUHealth Major non-network care benefit p.32 |
| Pre-admission outpatient | 1 visit per Confinement / Day Case Procedure p.32 |
| Post-discharge outpatient | 3 visits per Confinement / Day Case Procedure (within 90 days after discharge/completion), up to $4,400 per Policy Year p.32 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.32 |
| Diagnostic imaging coinsurance | 30% (can be 0% if conditions in Supplement – Benefits Section 3 are met) p.32 |
| Non-surgical cancer treatment | HKD 100,000 per Policy Year p.32 |
| Kidney dialysis | HKD 90,000 per Policy Year p.33 |
| Day case procedures | Covered as in-patient for various benefits with specific limits p.13 |
| Home nursing | HKD 600 per visit, max 15 visits per Policy Year (within 31 days post-discharge/Day Case Procedure) p.33 |
| Hospice care | none p.21 |
| Chinese medicine | HKD 400 per visit, max 15 visits per Policy Year for Specified Cancer (within 90 days post-discharge/treatment) p.33 |
| Physiotherapy | HKD 750 per visit, max 10 visits per Policy Year (max 1 prior, within 90 days post-discharge/completion) p.33 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.19 |
| Pregnancy complications | Covered according to limits of specific benefit items, provided diagnosis is at least 300 days after Policy Effective Date p.33 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.19 |
| Hospital cash | none |
| Companion bed | HKD 600 per day, max 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 pre-authorisation p.32 |
| No-claim discount | 15% of total premiums paid if no benefits are paid during the previous 36 consecutive months (with exceptions for certain Day Case Procedures) p.28 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.18 |
At a constant age of 45, Prudential has filed 2 schedule changes on this plan since 2021, an average of +3.2% a year, taking the premium from HK$10,954 to HK$13,869.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +7.5% |
| 2024 | no change |
| 2025 | +17.8% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Ward with SMM 2 (HKD) | Ward | None | Nil (no Annual Benefit Limit) |
| Ward with SMM 2 (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.