Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-05-000-04. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$738 |
| 45 | HK$1,073 |
| 60 | HK$2,458 |
| 75 | HK$5,743 |
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 | 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 | 300 days for pregnancy complications p.9 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off period if benefits paid, otherwise pro-rata refund if terminated by Company in certain cases p.3 |
| Switching from another plan | Allowed, re-underwriting for upgrade/addition of benefits; no re-underwriting for downgrade/reduction of benefits but discretion to accept/reject p.10 |
| Room class | Semi-private Room in Hong Kong, Macau or mainland China; Private Room elsewhere in Asia or outside Asia for accidents p.47 |
| If a higher room is used | Benefits multiplied by adjustment percentage: Private Room (vs Semi-private) 50%; Above Private Room (vs Private) 25%; Above Private Room (vs Semi-private) 25% p.1 |
| Geographical cover | Asia p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered worldwide except USA 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 | 0, 2500 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. All prior outpatient visits within 30 days before admission; 1 prior outpatient visit more than 30 days before admission. p.47 |
| Post-discharge outpatient | Full cover. All follow-up outpatient visits within 90 days after discharge; all follow-up outpatient visits within 365 days after discharge for complex/major surgery. p.47 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to Annual and Lifetime Benefit Limits p.47 |
| Diagnostic imaging coinsurance | 0% p.47 |
| Non-surgical cancer treatment | Full cover, subject to Annual and Lifetime Benefit Limits p.47 |
| Kidney dialysis | Full cover, subject to Annual and Lifetime Benefit Limits p.48 |
| Day case procedures | Covered as in-patient, subject to Annual and Lifetime Benefit Limits p.12 |
| Home nursing | USD 200 per day, max 30 days per Policy Year, within 60 days after discharge 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 (max 1 visit/day) p.48 |
| Physiotherapy | Full cover during confinement and post-discharge outpatient care; USD 125 per visit, max 15 visits per Policy Year, max USD 5,625 per Incident for Covered Cancer, Heart Attack and Stroke rehabilitation p.12 |
| Congenital conditions | Covered from age 8 p.17 |
| Pregnancy complications | Covered for specific complications, payable according to benefit limits of basic benefits and medical devices, private nursing, hospital companion bed, post-surgery home nursing, with 300-day waiting period p.9 |
| Emergency dental | Full cover for emergency treatment necessitated by accident to natural teeth within 2 weeks of accident p.6 |
| Hospital cash | USD 125 per day for staying below Semi-private Room in Hong Kong private hospitals p.49 |
| Companion bed | Full cover p.48 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Birth control, sterilisation, 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$942 to HK$1,073.
| 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.