Prudential PRUHealth FlexiChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00013-02-001-06. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$12,341 |
| 45 | HK$20,274 |
| 60 | HK$31,454 |
| 75 | HK$68,646 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$2,500 |
| Hospital charges | HK$26,000 |
| Doctor's visits | HK$2,200 |
| Specialist fees | HK$6,600 |
| Intensive care | HK$6,200 |
| Surgeon's fee | HK$75,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$150,000 |
| Outpatient before and after | HK$5,600 |
| Psychiatric treatment | HK$35,000 |
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 | First 30 days of the first Policy Year no coverage, 31st day of the first Policy Year onwards full coverage p.16 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made p.3 |
| Switching from another plan | Possible to switch to another plan, re-underwriting applies for upgrade or additional benefits p.11 |
| Room class | Semi-private p.32 |
| If a higher room is used | If a higher room class than Covered Room is chosen, Relevant Benefit Payable is multiplied by a percentage (e.g., 50% for Private Room, 25% for Above Private Room for a Semi-private plan) before reimbursement. p.6 |
| Geographical cover | worldwide p.13 |
| Psychiatric treatment area | Hong Kong only p.15 |
| Emergency treatment abroad | Covered worldwide, subject to general limits p.13 |
| Full cover on core benefits | partial p.33 |
| Annual limit | HKD 276,000 per Disability p.33 |
| Lifetime limit | none p.13 |
| Deductible options | none |
| How the deductible applies | per Policy Year p.21 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests (can be waived); 20% for PRUHealth non-network care benefits p.32 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to HKD 1,400 per visit and HKD 5,600 per Policy Year p.32 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days after discharge, up to HKD 1,400 per visit and HKD 5,600 per Policy Year p.32 |
| General outpatient | none |
| Psychiatric treatment | HKD 35,000 per Policy Year p.32 |
| Diagnostic imaging coinsurance | 30% (can be waived if conditions in Section 3 of Supplement – Benefits are satisfied) p.32 |
| Non-surgical cancer treatment | HKD 150,000 per Policy Year p.32 |
| Kidney dialysis | HKD 135,000 per Policy Year for haemodialysis or peritoneal dialysis, including rental cost of a kidney dialysis machine for home use p.3 |
| Day case procedures | Covered as per relevant benefit items (e.g., surgeon's fee, operating theatre charges) p.13 |
| Home nursing | HKD 960 per visit, maximum 15 visits per Policy Year within 31 days after discharge from Hospital or completion of Day Case Procedure p.3 |
| Hospice care | none |
| Chinese medicine | HKD 600 per visit, maximum 15 visits per Policy Year within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment, for Specified Cancer p.4 |
| Physiotherapy | HKD 1,150 per visit, maximum 10 visits per Policy Year (1 prior visit, treatments within 90 days after discharge) p.4 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.19 |
| Pregnancy complications | Covered for Covered Pregnancy Complications if diagnosed at least 300 days after Policy Effective Date, payable according to limits of respective benefit items p.4 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.19 |
| Hospital cash | none |
| Companion bed | HKD 800 per day, maximum 180 days per Policy Year p.3 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available with Network Medical Services Providers and Network Imaging Centres, subject to pre-authorisation p.1 |
| No-claim discount | 15% of total premiums paid if no benefits claimed for 36 consecutive months p.1 |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment (unless for Specified Cancer); Purchase of durable medical equipment 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$16,015 to HK$20,274.
| 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 |
|---|---|---|---|
| Semi-private Room with SMM 1 (HKD) | Semi-private | None | Nil (no Annual Benefit Limit) |
| Semi-private Room with SMM 1 (HKD) | Semi-private | 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.