Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-06-000-04. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$592 |
| 45 | HK$852 |
| 60 | HK$1,907 |
| 75 | HK$4,529 |
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 | 0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1 p.15 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending. No refund after cooling-off period. p.3 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting limited to the upgraded benefits; switching to a plan with downgraded benefits does not involve re-underwriting but is at the company's discretion. p.10 |
| Room class | Semi-private in HK, Macau, mainland China; Private in rest of Asia and outside Asia (for accidents only) p.47 |
| If a higher room is used | Benefits multiplied by 50% if Semi-private Room is covered and Private Room is used; 25% if Semi-private Room is covered and Above Private Room is used; 25% if Private Room is covered and Above Private Room is used p.1 |
| Geographical cover | Asia / Worldwide except USA p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered per Benefit Schedule for accidents outside Asia/Worldwide except USA; covered per Standard Plan Terms and Benefits for non-accident emergencies outside Asia/Worldwide except USA p.1 |
| 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 6,250, and a guaranteed zero (0) Deductible option is available upon reduction at specified ages p.47 |
| How the deductible applies | Per Policy Year, with options to reduce at ages 50, 55, 60, 65, 70, 75, 80, 85 p.3 |
| 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, or 1 prior visit/consultation 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 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 for haemodialysis or peritoneal dialysis due to chronic and irreversible kidney failure p.6 |
| Day case procedures | Covered as Medically Necessary surgical procedure in a medical clinic, day case procedure centre or Hospital p.12 |
| Home nursing | USD 200 per day, maximum 30 days per Policy Year, within 60 days after discharge/Day Case Procedure p.48 |
| Hospice care | USD 7,500 per Policy Year for stay in a Registered Hospice for terminal illness p.9 |
| Chinese medicine | USD 3,750 per Policy Year, with USD 50 per day during Confinement or USD 75 per visit within 90 days after discharge/Day Case Procedure p.48 |
| Physiotherapy | Full cover during Confinement and for follow-up outpatient visits post-discharge/Day Case Procedure (within limits of I(b) and I(k)) p.13 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.17 |
| Pregnancy complications | Covered for specific complications (e.g., ectopic pregnancy, pre-eclampsia) per limits of basic benefits and enhanced benefits II(a)-II(d), if diagnosed at least 300 days after Policy Effective Date p.9 |
| Emergency dental | Full cover for accidental dental treatment necessitated by injury to natural teeth within 2 weeks of accident p.6 |
| Hospital cash | USD 125 per day for staying in a room class lower than Semi-private Room in a private Hospital in Hong Kong p.16 |
| Companion bed | Full cover for one (1) extra bed for immediate family member during Confinement p.5 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; venereal and sexually transmitted disease or its sequelae; birth control or reversal of birth control; sterilisation or sex reassignment; sexual dysfunction; traditional Chinese medicine treatment (e.g., herbal, bone-setting, acupuncture, tui na) and other alternative treatments (e.g., hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy) 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$769 to HK$852.
| 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.