Prudential PRUHealth FlexiChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00013-05-002-06. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,831 |
| 45 | HK$3,008 |
| 60 | HK$4,667 |
| 75 | HK$10,186 |
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 | 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. No refund after cooling-off period. p.3 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition (limited re-underwriting) or downgrade/reduction (no re-underwriting, company discretion). p.11 |
| Room class | not restricted p.13 |
| If a higher room is used | If a higher room class than Covered Room is chosen, Relevant Benefit Payable will be multiplied by 25% or 50% depending on the room type, before reimbursement. p.29 |
| 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 | no p.32 |
| Annual limit | unlimited p.33 |
| Lifetime limit | none p.13 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests (0% if conditions met); 20% for PRUHealth Major non-network care benefits p.32 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to $181 per visit and $723 per Policy Year. PRUHealth Major network care adds 1 additional visit. p.32 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days, up to $181 per visit and $723 per Policy Year. PRUHealth Major network care adds 3 additional visits. p.32 |
| General outpatient | none |
| Psychiatric treatment | $4,517 per Policy Year p.32 |
| Diagnostic imaging coinsurance | 30% (0% if conditions stated in Section 3 of Supplement – Benefits are fully satisfied) p.32 |
| Non-surgical cancer treatment | $19,355 per Policy Year p.32 |
| Kidney dialysis | $17,420 per Policy Year p.33 |
| Day case procedures | covered as in-patient, subject to general benefit limits p.14 |
| Home nursing | $124 per visit, maximum 15 visits per Policy Year within 31 days post-discharge. PRUHealth Major non-network care adds up to 16 additional visits. p.33 |
| Hospice care | none p.22 |
| Chinese medicine | $78 per visit, maximum 15 visits per Policy Year for Specified Cancer within 90 days post-discharge. PRUHealth Major non-network care adds up to 16 additional visits. p.33 |
| Physiotherapy | $149 per visit, maximum 10 visits per Policy Year (1 prior, others within 90 days post-discharge). PRUHealth Major non-network care adds up to 21 additional visits. p.33 |
| Congenital conditions | covered from age 8 p.19 |
| Pregnancy complications | Covered for specified complications, subject to benefit limits of I(a)-I(i), I(k), II(a), II(b), after 300-day waiting period from Policy Effective Date. p.29 |
| Emergency dental | covered for Emergency Treatment and surgery during Confinement arising from an Accident p.19 |
| Hospital cash | none |
| Companion bed | $104 per day, maximum 180 days per Policy Year p.33 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available through Network Medical Services Providers and Network Imaging Centres with pre-authorisation and Electronic Medical Card for PRUHealth network care benefit. p.28 |
| No-claim discount | 15% of total premiums paid if no benefits claimed for 36 consecutive months, deposited into premium deposit account. p.28 |
| Exclusions beyond the VHIS standard list | 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$2,376 to HK$3,008.
| 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 (USD) | Semi-private | None | Nil (no Annual Benefit Limit) |
| Semi-private Room with SMM 2 (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.