Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-04-000-04. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$1,957 |
| 45 | HK$2,977 |
| 60 | HK$6,000 |
| 75 | HK$14,023 |
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$1,500,000 |
| Lifetime limit | HK$7,000,000 |
| 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 | whole life 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.15 |
| Waiting period | 30 days for Pre-existing Condition(s) unknown at application p.15 |
| Cancellation and refund | Full refund of paid premium if cancelled within 21 days cooling-off period, provided no benefit payment has been made or is impending. After cooling-off, cancellation by 30 days prior written notice, no refund of premium paid for current or previous policy years unless specified otherwise. p.3 |
| Switching from another plan | Policy Holder can switch to another insurance plan which provides downgrade or reduction of benefits without re-underwriting. Switching to a plan with upgrade or addition of benefits will involve re-underwriting limited to such upgrade or additional benefits. p.10 |
| Room class | Semi-private Room in Hong Kong, Macau or mainland China; Private Room anywhere else in Asia except Hong Kong, Macau or mainland China; Private Room outside Asia (for Accidents occurred outside Asia only) p.47 |
| If a higher room is used | If a higher level room is chosen voluntarily, benefits will be multiplied by an adjustment percentage (50% for Private Room to Semi-private, 25% for Above Private Room to Semi-private, 25% for Above Private Room to Private). If the adjusted benefit is lower than Standard Plan benefits, the higher amount will be paid. 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). Worldwide for Accidents occurred outside Asia. p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered for Accidents occurred outside Asia, up to Private Room level. p.47 |
| Full cover on core benefits | yes p.47 |
| Annual limit | USD 1,500,000 p.47 |
| Lifetime limit | USD 7,000,000 p.47 |
| Deductible options | USD 0 p.47 |
| How the deductible applies | per Policy Year. Policy Holder has the right to reduce the Deductible at ages 50, 55, 60, 65, 70, 75, 80 and 85. p.3 |
| Coinsurance | none p.47 |
| Pre-admission outpatient | Full cover. All prior outpatient visits or Emergency consultations per Confinement / Day Case Procedure (within 30 days before such admission or Day Case Procedure); 1 prior outpatient visit or Emergency consultation per Confinement / Day Case Procedure (more than 30 days before such admission or Day Case Procedure). p.47 |
| Post-discharge outpatient | Full cover. All follow-up outpatient visits per Confinement / Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure); All follow-up outpatient visits per Confinement / Day Case Procedure (within 365 days after discharge from Hospital or completion of Day Case Procedure for performing the surgical procedure categorised as complex or major). 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 in-patient, full cover for eligible expenses. p.12 |
| Home nursing | USD 200 per day, maximum 30 days per Policy Year, within 60 days after discharge from Hospital or completion of Day Case Procedure. p.48 |
| Hospice care | USD 7,500 per Policy Year p.48 |
| Chinese medicine | USD 3,750 per Policy Year. USD 50 per day during Confinement; USD 75 per visit within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 visit per day). p.48 |
| Physiotherapy | Covered under pre- and post-Confinement/Day Case Procedure outpatient care (full cover) and rehabilitation treatments (USD 125 per visit, max 15 visits per Policy Year, max USD 5,625 per Incident). p.47 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8. p.17 |
| Pregnancy complications | Payable according to benefit limits of respective benefit items I (a) – I (i), I (k) and II (a) - II (d), if diagnosis is at least 300 days after Policy Effective Date. p.48 |
| Emergency dental | Full cover for Emergency Treatment necessitated to natural tooth/teeth within 2 weeks of an Accident. p.48 |
| Hospital cash | USD 125 per day for staying below Semi-private Room in Hong Kong private Hospitals. p.49 |
| Companion bed | Full cover for one extra bed for immediate family member. p.48 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Claimable amount estimate service available before receiving medical service. p.11 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Expenses arising from dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; Expenses for prophylactic treatment or preventive care (with exceptions); Expenses for purchase of durable medical equipment or appliances (with exceptions); Eligible Expenses reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party. 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$2,613 to HK$2,977.
| 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.