Prudential PRUHealth FlexiChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00013-04-001-06. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$876 |
| 45 | HK$1,491 |
| 60 | HK$2,204 |
| 75 | HK$4,672 |
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.9 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.17 |
| Waiting period | 30 days for unknown pre-existing conditions; 300 days for pregnancy complications p.17 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment made p.3 |
| Switching from another plan | Option to switch to another plan with upgraded/additional benefits (re-underwriting limited to new benefits); option to upgrade PRUHealth Major benefit limit without new health evidence at certain ages p.11 |
| Room class | Ward p.1 |
| If a higher room is used | If higher room chosen voluntarily, benefits are reduced by a percentage (e.g., 50% for Semi-private, 25% for Private if Ward is covered) p.6 |
| Geographical cover | worldwide p.13 |
| Psychiatric treatment area | Hong Kong only p.15 |
| Emergency treatment abroad | Covered worldwide as per general territory, no specific limit stated p.13 |
| Full cover on core benefits | partial p.3 |
| Annual limit | $17,807 per Disability per Policy Year p.3 |
| Lifetime limit | none p.13 |
| Deductible options | none |
| Coinsurance | 20% for PRUHealth Major non-network care; 30% for Prescribed Diagnostic Imaging Tests (reducible to 0%) p.1 |
| Pre-admission outpatient | $142 per visit, 1 visit per Confinement/Day Case Procedure, up to $568 per Policy Year p.1 |
| Post-discharge outpatient | $142 per visit, 3 visits per Confinement/Day Case Procedure within 90 days, up to $568 per Policy Year p.1 |
| General outpatient | none |
| Psychiatric treatment | $3,871 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 | $12,904 per Policy Year p.1 |
| Kidney dialysis | Covered up to $11,613 per Policy Year p.2 |
| Day case procedures | Covered as in-patient for various benefits, no specific limit stated for the procedure itself p.13 |
| Home nursing | $78 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 | $52 per visit, maximum 15 visits per Policy Year for Specified Cancer within 90 days post-discharge/treatment p.2 |
| Physiotherapy | $97 per visit, maximum 10 visits per Policy Year (1 prior, rest within 90 days post-discharge/Day Case Procedure) p.2 |
| Congenital conditions | Covered from age 8 p.19 |
| Pregnancy complications | Covered according to limits of basic and enhanced benefits I(a)-(i), I(k), II(a)-(b), after 300-day waiting period p.2 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.19 |
| Hospital cash | none |
| Companion bed | $78 per day, maximum 180 days per Policy Year p.2 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available via Electronic Medical Card for Network Medical Services Providers and Network Imaging Centres, with pre-authorisation for PRUHealth Major network care p.1 |
| No-claim discount | 15% of total premiums paid if no benefit is paid for 36 consecutive months, deposited into premium deposit account p.1 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; venereal and sexually transmitted disease or its sequelae; birth control or reversal of birth control, sterilisation or sex reassignment, sexual dysfunction; purchase of durable medical equipment or appliances 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$1,178 to HK$1,491.
| 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 1 (USD) | Ward | None | Nil (no Annual Benefit Limit) |
| Ward with SMM 1 (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.