Prudential PRUHealth FlexiChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00013-03-001-06. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$21,024 |
| 45 | HK$35,845 |
| 60 | HK$56,013 |
| 75 | HK$125,993 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$4,500 |
| Hospital charges | HK$36,000 |
| Doctor's visits | HK$4,000 |
| Specialist fees | HK$12,280 |
| Intensive care | HK$9,600 |
| Surgeon's fee | HK$110,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$40,000 |
| Non-surgical cancer treatment | HK$225,000 |
| Outpatient before and after | HK$8,000 |
| Psychiatric treatment | HK$40,000 |
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 the first 30 days of the first Policy Year, 100% from 31st day of the first Policy Year onwards p.17 |
| Waiting period | none |
| Cancellation and refund | Full refund of paid premium if cancelled within 21-day cooling-off period p.3 |
| Switching from another plan | Switching to another plan with upgraded benefits may require re-underwriting; switching to downgraded benefits does not require re-underwriting but is subject to company discretion p.11 |
| Room class | 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., 25% for Above Private Room if Covered Room is Private Room) p.33 |
| Geographical cover | worldwide p.13 |
| Psychiatric treatment area | Hong Kong only p.16 |
| Emergency treatment abroad | covered worldwide p.13 |
| Full cover on core benefits | yes p.34 |
| Annual limit | 552,000 per Disability p.34 |
| Lifetime limit | none p.13 |
| Deductible options | none |
| How the deductible applies | not stated |
| Coinsurance | 20% for PRUHealth non-network care benefit; 30% for Prescribed Diagnostic Imaging Tests (can be 0% if conditions met) p.32 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to HKD 2,000 per visit, HKD 8,000 per Policy Year p.32 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days after discharge, up to HKD 2,000 per visit, HKD 8,000 per Policy Year p.32 |
| General outpatient | none |
| Psychiatric treatment | HKD 40,000 per Policy Year p.32 |
| Diagnostic imaging coinsurance | 30% (can be 0% if conditions in Section 3 of Supplement – Benefits are fully satisfied) p.32 |
| Non-surgical cancer treatment | HKD 225,000 per Policy Year p.32 |
| Kidney dialysis | Covered up to HKD 200,000 per Policy Year, including rental cost of home dialysis machine p.33 |
| Day case procedures | Covered as in-patient, no specific limit stated beyond general benefit limits p.13 |
| Home nursing | HKD 1,360 per visit, maximum 15 visits per Policy Year within 31 days after discharge p.33 |
| Hospice care | none p.19 |
| Chinese medicine | For Specified Cancer only, HKD 800 per visit, maximum 15 visits per Policy Year within 90 days after discharge p.33 |
| Physiotherapy | HKD 1,500 per visit, maximum 10 visits per Policy Year (1 prior visit, treatments within 90 days after discharge) p.33 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.19 |
| Pregnancy complications | Covered for specified complications, subject to 300-day waiting period from Policy Effective Date, payable according to limits of basic and some enhanced benefits p.30 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.19 |
| Hospital cash | none |
| Companion bed | HKD 1,000 per day, maximum 180 days per Policy Year for immediate family member p.33 |
| 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.34 |
| No-claim discount | 15% of total premiums paid if no benefits claimed for 36 consecutive months p.28 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy 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$28,319 to HK$35,845.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +7.5% |
| 2024 | no change |
| 2025 | +17.7% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Private Room with SMM (HKD) | Private | None | Nil (no Annual Benefit Limit) |
| Private Room with SMM (HKD) | 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.