Prudential PRUHealth FlexiChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00013-02-002-06. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$14,191 |
| 45 | HK$23,314 |
| 60 | HK$36,171 |
| 75 | HK$78,942 |
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.9 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for first 30 days of the first Policy Year, full coverage from 31st day of the first Policy Year onwards p.16 |
| Waiting period | none p.16 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits claimed; after cooling-off, cancellation with 30 days' notice if no benefits claimed in Policy Year p.3 |
| Switching from another plan | Option to upgrade PRUHealth Major benefit limit without new underwriting at specific ages; switching to plans with upgraded benefits may involve re-underwriting p.7 |
| Room class | Semi-private p.1 |
| If a higher room is used | If a higher room class is chosen voluntarily, Relevant Benefit Payable is multiplied by a percentage (e.g., 50% for Private Room if Semi-private is covered, 25% for Above Private Room if Semi-private is covered) before reimbursement. p.6 |
| Geographical cover | worldwide, except for psychiatric treatment p.13 |
| Psychiatric treatment area | Hong Kong only p.15 |
| Emergency treatment abroad | Covered under worldwide territorial scope p.13 |
| Full cover on core benefits | partial p.1 |
| Annual limit | HKD 414,000 per Disability per Policy Year (for PRUHealth Major) p.3 |
| Lifetime limit | none p.13 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | 20% for PRUHealth non-network care benefit; 30% for Prescribed Diagnostic Imaging Tests (reducible to 0%) p.1 |
| 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.1 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure (within 90 days), up to HKD 1,400 per visit and HKD 5,600 per Policy Year p.1 |
| General outpatient | none |
| Psychiatric treatment | HKD 35,000 per Policy Year p.1 |
| Diagnostic imaging coinsurance | 30% (reducible to 0% if conditions in Supplement Section 3 are met) p.1 |
| Non-surgical cancer treatment | HKD 150,000 per Policy Year p.1 |
| Kidney dialysis | Covered up to HKD 135,000 per Policy Year p.2 |
| Day case procedures | Covered as in-patient for various benefits, no specific limit stated for the procedure itself but benefits apply p.13 |
| Home nursing | HKD 960 per visit, maximum 15 visits per Policy Year (within 31 days post-discharge/Day Case Procedure) p.2 |
| Hospice care | none p.21 |
| Chinese medicine | For Specified Cancer only, HKD 600 per visit, maximum 15 visits per Policy Year (within 90 days post-discharge/treatment) p.2 |
| Physiotherapy | HKD 1,150 per visit, maximum 10 visits per Policy Year (1 prior visit, treatments within 90 days post-discharge/Day Case Procedure) p.2 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.19 |
| Pregnancy complications | Covered according to limits of various benefit items, if diagnosed at least 300 days after Policy Effective Date p.2 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.18 |
| Hospital cash | none |
| Companion bed | HKD 800 per day, maximum 180 days per Policy Year p.2 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorisation arrangement and Electronic Medical Card for Network Medical Services Providers and Network Imaging Centres 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 | 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$18,417 to HK$23,314.
| 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 2 (HKD) | Semi-private | None | Nil (no Annual Benefit Limit) |
| Semi-private Room with SMM 2 (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.