Prudential PRUHealth FlexiChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00013-04-000-06. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$537 |
| 45 | HK$913 |
| 60 | HK$1,436 |
| 75 | HK$3,077 |
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$155 |
| Hospital charges | HK$2,323 |
| Doctor's visits | HK$130 |
| Specialist fees | HK$555 |
| Intensive care | HK$452 |
| Surgeon's fee | HK$6,452 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$2,581 |
| Non-surgical cancer treatment | HK$12,904 |
| Outpatient before and after | HK$568 |
| Psychiatric treatment | HK$3,871 |
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 within 21-day cooling-off period if no benefits paid; no refund after cooling-off period for policyholder cancellation p.3 |
| Switching from another plan | possible to switch to another plan with upgraded/additional benefits, subject to re-underwriting for the upgraded/additional benefits p.11 |
| Room class | not restricted p.13 |
| If a higher room is used | not applicable as basic benefits are not subject to any restriction in the choice of ward class p.13 |
| 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 | no p.32 |
| Annual limit | unlimited p.32 |
| Lifetime limit | none p.32 |
| Deductible options | none |
| How the deductible applies | not applicable |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.32 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to USD 142 per visit and USD 568 per Policy Year p.32 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure (within 90 days), up to USD 142 per visit and USD 568 per Policy Year p.32 |
| General outpatient | none |
| Psychiatric treatment | USD 3,871 per Policy Year p.32 |
| Diagnostic imaging coinsurance | 30% (0% if conditions in Supplement Section 3 are met) p.32 |
| Non-surgical cancer treatment | USD 12,904 per Policy Year p.32 |
| Kidney dialysis | Covered up to USD 11,613 per Policy Year p.32 |
| Day case procedures | covered as in-patient, subject to individual benefit item limits p.13 |
| Home nursing | USD 78 per visit, maximum 15 visits per Policy Year (within 31 days post-discharge/Day Case Procedure) p.32 |
| Hospice care | none p.21 |
| Chinese medicine | for Specified Cancer only, USD 52 per visit, maximum 15 visits per Policy Year (within 90 days post-discharge/treatment) p.19 |
| Physiotherapy | USD 97 per visit, maximum 10 visits per Policy Year (1 prior visit, treatments within 90 days post-discharge/Day Case Procedure) p.32 |
| Congenital conditions | covered if manifested or diagnosed after age 8 p.19 |
| Pregnancy complications | covered for Covered Pregnancy Complications, subject to benefit limits of items I(a)-(i), I(k), II(a), II(b), and 300-day waiting period p.4 |
| Emergency dental | covered for Emergency Treatment and surgery during Confinement arising from an Accident p.19 |
| Hospital cash | none |
| Companion bed | USD 78 per day, maximum 180 days per Policy Year p.32 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available through Network Medical Services Providers and Network Imaging Centres using Electronic Medical Card and pre-authorisation p.29 |
| No-claim discount | 15% of total premiums paid if no benefit has been paid for 36 consecutive months p.28 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; venereal and sexually transmitted disease; sex reassignment, birth control/reversal, sterilisation, sexual dysfunction; purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other forms of alternative treatment (unless for Specified Cancer) 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$748 to HK$913.
| 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 (USD) | Ward | None | Nil (no Annual Benefit Limit) |
| Ward (USD) | 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.