Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-03-000-04. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,738 |
| 45 | HK$6,814 |
| 60 | HK$15,254 |
| 75 | HK$36,230 |
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.9 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for first 30 days of first Policy Year, full coverage from 31st day of first Policy Year onwards p.15 |
| Waiting period | 30 days for unknown pre-existing conditions p.15 |
| Cancellation and refund | Full refund during 21-day cooling-off period; pro-rata refund for current Policy Year if terminated due to death of Insured Person or Company ceasing authorization p.3 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is possible but subject to re-underwriting for those benefits p.10 |
| Room class | Semi-private Room in Hong Kong, Macau or mainland China; Private Room elsewhere in Asia; Private Room outside Asia for accidents only p.47 |
| If a higher room is used | If voluntarily choosing a higher room class, benefits are adjusted: Private Room (from Semi-private) 50%, Above Private Room (from Private) 25% p.26 |
| Geographical cover | Asia p.47 |
| Psychiatric treatment area | Hong Kong only p.11 |
| Emergency treatment abroad | Covered for Medical Services due to Accidents occurred outside Asia, up to Private Room limit p.47 |
| Full cover on core benefits | yes p.47 |
| Annual limit | 12000000 p.47 |
| Lifetime limit | 56000000 p.47 |
| Deductible options | 0, 50000 (other options may be available) p.28 |
| How the deductible applies | Per Policy Year, can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 p.28 |
| Coinsurance | none p.47 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 30 days before admission, or 1 visit/consultation more than 30 days before admission p.47 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge, or within 365 days for complex/major surgical procedures p.47 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.47 |
| Diagnostic imaging coinsurance | 0% p.47 |
| Non-surgical cancer treatment | Full cover p.47 |
| Kidney dialysis | Full cover p.48 |
| Day case procedures | Covered as inpatient for eligible benefits p.12 |
| 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 (HKD 400 per day during Confinement, HKD 600 per visit within 90 days post-discharge) p.48 |
| Physiotherapy | Covered under miscellaneous charges during confinement and pre/post-confinement outpatient care; also under rehabilitation for specific critical illnesses p.13 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.17 |
| Pregnancy complications | Covered according to benefit limits of I(a)-(i), I(k), II(a)-(d), if diagnosed at least 300 days after Policy Effective Date p.34 |
| Emergency dental | Full cover for emergency treatment necessitated by accident to natural teeth within 2 weeks of accident p.31 |
| Hospital cash | HKD 1,000 per day for staying in a room class lower than Semi-private Room in a private Hospital in Hong Kong p.49 |
| Companion bed | Full cover p.48 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Not Medically Necessary; drug/alcohol/narcotics dependence/overdose; venereal/sexually transmitted disease; durable medical equipment purchase p.16 |
At a constant age of 45, Prudential has filed 3 schedule changes on this plan since 2021, an average of +1.7% a year, taking the premium from HK$6,150 to HK$6,814.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +2.5% |
| 2024 | +5.0% |
| 2025 | +3.0% |
| 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.