Prudential PRUHealth FlexiChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00013-05-001-06. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,592 |
| 45 | HK$2,616 |
| 60 | HK$4,059 |
| 75 | HK$8,858 |
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$323 |
| Hospital charges | HK$3,355 |
| Doctor's visits | HK$284 |
| Specialist fees | HK$852 |
| Intensive care | HK$800 |
| Surgeon's fee | HK$9,678 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$3,871 |
| Non-surgical cancer treatment | HK$19,355 |
| Outpatient before and after | HK$723 |
| Psychiatric treatment | HK$4,517 |
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.16 |
| Waiting period | 30 days for unknown pre-existing conditions p.16 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period if benefits paid, otherwise pro-rata refund if terminated by Company in specific cases p.3 |
| Switching from another plan | Allowed to switch to another plan with upgraded/added benefits with re-underwriting for new benefits; option to upgrade PRUHealth Major benefit limit without new underwriting once at specific ages p.11 |
| Room class | not restricted p.13 |
| If a higher room is used | If a higher room class than Covered Room (Semi-private Room) is chosen, benefits are reduced by a percentage (e.g., 50% for Private Room, 25% for Above Private Room) before coinsurance/reimbursement is applied. p.33 |
| Geographical cover | worldwide p.13 |
| Psychiatric treatment area | Hong Kong only p.15 |
| Emergency treatment abroad | covered worldwide p.13 |
| Full cover on core benefits | partial p.30 |
| Annual limit | USD35,613 per Disability per Policy Year p.30 |
| Lifetime limit | none p.13 |
| Deductible options | none |
| How the deductible applies | per Policy Year p.21 |
| Coinsurance | 20% for non-network care, 30% for Prescribed Diagnostic Imaging Tests p.30 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, plus 1 additional visit under PRUHealth Major, up to USD181 per visit and USD723 per Policy Year p.30 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days, plus 3 additional visits under PRUHealth Major, up to USD181 per visit and USD723 per Policy Year p.30 |
| General outpatient | none |
| Psychiatric treatment | USD4,517 per Policy Year p.30 |
| Diagnostic imaging coinsurance | 30% (waived if conditions for Network Imaging Centre are met) p.30 |
| Non-surgical cancer treatment | USD19,355 per Policy Year p.30 |
| Kidney dialysis | Covered up to USD17,420 per Policy Year p.30 |
| Day case procedures | Covered as in-patient, subject to individual benefit limits p.20 |
| Home nursing | USD124 per visit, maximum 15 visits per Policy Year within 31 days post-discharge/Day Case Procedure p.30 |
| Hospice care | none p.22 |
| Chinese medicine | For Specified Cancer only, USD78 per visit, maximum 15 visits per Policy Year within 90 days post-discharge/treatment p.30 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges. Post-discharge/pre-admission: USD149 per visit, max 10 visits per Policy Year (1 prior, 9 post within 90 days) p.30 |
| Congenital conditions | Covered from age 8 p.19 |
| Pregnancy complications | Covered according to specified benefit items, if diagnosed at least 300 days after Policy Effective Date p.31 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.19 |
| Hospital cash | none |
| Companion bed | USD104 per day, maximum 180 days per Policy Year p.30 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorisation and Electronic Medical Card for Network Medical Services Provider or Network Imaging Centre p.28 |
| No-claim discount | 15% of total premiums paid if no benefit claimed for 36 consecutive months p.28 |
| 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$2,066 to HK$2,616.
| 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 (USD) | Semi-private | None | Nil (no Annual Benefit Limit) |
| Semi-private Room with SMM 1 (USD) | 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.