Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-01-000-04. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$15,654 |
| 45 | HK$23,814 |
| 60 | HK$48,000 |
| 75 | HK$112,181 |
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 | asia |
| Annual limit | HK$12,000,000 |
| Lifetime limit | HK$56,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | Paid in full |
Also includes outpatient general, dental, maternity, chinese medicine, health check, vaccination, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, 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.8 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.15 |
| Waiting period | 300 days for pregnancy complications p.9 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claim; after cooling-off, cancellation with 30 days notice if no claim in policy year; pro-rata refund for termination due to death or company ceasing authorization p.3 |
| Switching from another plan | Switching to another plan with upgraded benefits may require re-underwriting for the upgraded benefits; switching to a plan with downgraded benefits does not require re-underwriting but is subject to company discretion p.10 |
| Room class | Semi-private in HK, Macau, mainland China; Private in rest of Asia; Private outside Asia for accidents p.47 |
| If a higher room is used | 50% for Private Room if entitled to Semi-private; 25% for Above Private Room if entitled to Semi-private; 25% for Above Private Room if entitled to Private p.1 |
| Geographical cover | Asia / Worldwide except USA p.49 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered outside Asia if due to accidents p.49 |
| Full cover on core benefits | yes p.49 |
| Annual limit | 12,000,000 p.47 |
| Lifetime limit | 56,000,000 p.47 |
| Deductible options | 0 p.47 |
| How the deductible applies | Per Policy Year, reducible at ages 50, 55, 60, 65, 70, 75, 80, 85 p.47 |
| Coinsurance | none p.47 |
| Pre-admission outpatient | Full cover for all visits within 30 days before admission, and 1 visit more than 30 days before admission p.47 |
| Post-discharge outpatient | Full cover for all visits within 90 days after discharge; or within 365 days after discharge for complex/major surgery p.47 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to annual and lifetime limits p.47 |
| Diagnostic imaging coinsurance | 0% p.47 |
| Non-surgical cancer treatment | Full cover, subject to annual and lifetime limits p.47 |
| Kidney dialysis | Full cover, subject to annual and lifetime limits p.48 |
| Day case procedures | Covered as in-patient, full cover p.47 |
| Home nursing | HKD 1,600 per day, max 30 days per policy year, within 60 days after discharge p.48 |
| Hospice care | HKD 60,000 per Policy Year p.48 |
| Chinese medicine | HKD 30,000 per Policy Year, with sub-limits of HKD 400 per day during confinement and HKD 600 per visit post-discharge (max 1 visit/day for 90 days) p.48 |
| Physiotherapy | Full cover under pre- and post-confinement outpatient care; HKD 1,000 per visit, max 15 visits/year, max HKD 45,000 per incident for rehabilitation treatments for Covered Cancer, Heart Attack and Stroke p.48 |
| Congenital conditions | Covered from age 8 p.17 |
| Pregnancy complications | Covered, payable according to benefit limits of relevant items (mostly full cover) p.48 |
| Emergency dental | Full cover for emergency treatment necessitated by accident to natural teeth within 2 weeks of accident p.48 |
| Hospital cash | HKD 1,000 per day for staying in a room class lower than Semi-private in Hong Kong private hospitals p.49 |
| Companion bed | Full cover for one extra bed for immediate family member during confinement p.48 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); sex reassignment; sexual dysfunction; purchase of durable medical equipment p.16 |
At a constant age of 45, Prudential has filed 3 schedule changes on this plan since 2021, an average of +2.2% a year, taking the premium from HK$20,904 to HK$23,814.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +2.5% |
| 2024 | +5.0% |
| 2025 | +5.8% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
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.