Prudential PRUHealth FlexiChoice Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00013-06-000-06. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,948 |
| 45 | HK$3,273 |
| 60 | HK$5,296 |
| 75 | HK$12,196 |
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$581 |
| Hospital charges | HK$4,646 |
| Doctor's visits | HK$517 |
| Specialist fees | HK$1,585 |
| Intensive care | HK$1,239 |
| Surgeon's fee | HK$14,194 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$5,162 |
| Non-surgical cancer treatment | HK$29,033 |
| Outpatient before and after | HK$1,033 |
| Psychiatric treatment | HK$5,162 |
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 pre-existing conditions unknown at application; 300 days for pregnancy complications p.4 |
| Cancellation and refund | full refund if cancelled within 21-day cooling-off period (no benefit paid); after cooling-off, 30 days written notice required, no refund if benefit paid in current Policy Year p.3 |
| Switching from another plan | allowed to switch to plans with upgraded/additional benefits (re-underwriting limited to new benefits); option to upgrade PRUHealth Major benefit limit once without new underwriting p.6 |
| Room class | Private Room p.1 |
| If a higher room is used | If a room above Private Room is used, Relevant Benefit Payable is multiplied by 25% p.6 |
| 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.1 |
| Annual limit | unlimited p.2 |
| Lifetime limit | none p.2 |
| Deductible options | none |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.1 |
| Pre-admission outpatient | $259 per visit, 1 visit per Confinement/Day Case Procedure, up to $1,033 per Policy Year p.1 |
| Post-discharge outpatient | $259 per visit, 3 visits within 90 days after discharge/completion of Day Case Procedure, up to $1,033 per Policy Year p.1 |
| General outpatient | none |
| Psychiatric treatment | $5,162 per Policy Year p.1 |
| Diagnostic imaging coinsurance | 30% (0% if conditions in Supplement Section 3 are met) p.1 |
| Non-surgical cancer treatment | $29,033 per Policy Year p.1 |
| Kidney dialysis | $25,807 per Policy Year p.2 |
| Day case procedures | covered as in-patient for various benefits, specific procedures listed in schedule p.14 |
| Home nursing | $176 per visit, max 15 visits per Policy Year, within 31 days post-discharge/Day Case Procedure p.2 |
| Hospice care | none p.21 |
| Chinese medicine | $104 per visit, max 15 visits per Policy Year, within 90 days post-discharge/treatment, for Specified Cancer only p.2 |
| Physiotherapy | $194 per visit, max 10 visits per Policy Year, max 1 prior visit, within 90 days post-discharge/Day Case Procedure p.2 |
| Congenital conditions | covered if manifested or diagnosed after age 8 p.19 |
| Pregnancy complications | covered for Covered Pregnancy Complications, subject to 300-day waiting period and limits of specific benefit items p.2 |
| Emergency dental | covered for Emergency Treatment and surgery during Confinement arising from an Accident p.18 |
| Hospital cash | none |
| Companion bed | $130 per day, max 180 days per Policy Year p.2 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | available with Network Medical Services Providers and Network Imaging Centres, requires Electronic Medical Card and pre-authorisation p.1 |
| No-claim discount | 15% of total premiums paid if no benefits claimed for 36 consecutive months p.1 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); health supplements; sex reassignment; sexual dysfunction; purchase of durable medical equipment for home use 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$2,684 to HK$3,273.
| 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 |
|---|---|---|---|
| Private Room (USD) | Private | None | Nil (no Annual Benefit Limit) |
| Private Room (USD) | 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.