Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-02-000-04. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$5,904 |
| 45 | HK$8,587 |
| 60 | HK$19,665 |
| 75 | HK$45,947 |
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 | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.15 |
| Waiting period | 30 days for unknown pre-existing conditions p.15 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (no benefit paid); pro-rata refund if terminated due to death of Insured Person or Company ceasing authorization p.3 |
| Switching from another plan | Allowed to switch to another plan with upgraded/additional benefits, subject to re-underwriting for the upgraded/additional benefits p.10 |
| Room class | Semi-private in Hong Kong, Macau or mainland China; Private in other Asia and outside Asia (for accidents only) p.47 |
| If a higher room is used | Benefits multiplied by 50% for Private Room if entitled to Semi-private; 25% for Above Private Room if entitled to Semi-private or Private p.1 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered for accidents occurring outside Asia, up to Private Room level p.47 |
| Full cover on core benefits | yes p.49 |
| Annual limit | 12000000 p.47 |
| Lifetime limit | 56000000 p.47 |
| Deductible options | 0, 20000 p.3 |
| How the deductible applies | Per Policy Year, with option to reduce at ages 50, 55, 60, 65, 70, 75, 80, 85 p.47 |
| Coinsurance | none p.47 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 30 days before admission/Day Case Procedure; 1 prior visit if more than 30 days before p.47 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/Day Case Procedure, or within 365 days for complex/major surgical procedures 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 per benefit items, subject to annual and lifetime limits p.12 |
| Home nursing | HKD 1,600 per day, maximum 30 days per Policy Year, within 60 days after discharge/Day Case Procedure p.48 |
| Hospice care | HKD 60,000 per Policy Year p.48 |
| Chinese medicine | HKD 30,000 per Policy Year (HKD 400/day during confinement, HKD 600/visit post-discharge within 90 days) p.48 |
| Physiotherapy | Full cover during confinement and for post-discharge outpatient care (within 90/365 days), subject to annual and lifetime limits p.13 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.17 |
| Pregnancy complications | Covered for listed complications, subject to benefit limits of I(a)-(i), I(k), II(a)-(d), if diagnosed at least 300 days after Policy Effective Date p.48 |
| Emergency dental | Full cover for emergency treatment necessitated by accident to natural teeth within 2 weeks of accident, excluding restorative/precious metals/orthodontic p.48 |
| Hospital cash | HKD 1,000 per day for staying in a room class lower than Semi-private in a Hong Kong private hospital p.49 |
| Companion bed | Full cover for one extra bed for immediate family member during confinement p.48 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Sterilisation or sex reassignment of either sex; Sexual dysfunction; Purchase of durable medical equipment or appliances 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$7,532 to HK$8,587.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +2.5% |
| 2024 | +5.0% |
| 2025 | +5.9% |
| 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.