Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-07-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,562 |
| 45 | HK$5,123 |
| 60 | HK$11,462 |
| 75 | HK$27,218 |
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 | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.15 |
| Waiting period | 30 days for unknown pre-existing conditions p.15 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claim; after cooling-off, cancellation with 30 days written notice if no claim in policy year; pro-rata refund for death or company ceasing authorization p.3 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible, subject to re-underwriting for the upgraded 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 p.47 |
| If a higher room is used | If higher room is chosen voluntarily: Private Room instead of Semi-private: 50% adjustment; Above Private Room instead of Semi-private: 25% adjustment; Above Private Room instead of Private: 25% adjustment p.1 |
| Geographical cover | Asia; worldwide for accidents p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered for accidents outside Asia p.49 |
| Full cover on core benefits | yes p.47 |
| Annual limit | 12,000,000 p.47 |
| Lifetime limit | 56,000,000 p.47 |
| Deductible options | 96000, 0 p.47 |
| How the deductible applies | Per Policy Year; can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 p.47 |
| Coinsurance | none p.15 |
| Pre-admission outpatient | Full cover; all visits within 30 days before admission; 1 visit more than 30 days before admission p.48 |
| Post-discharge outpatient | Full cover; all visits within 90 days after discharge; all visits within 365 days after discharge for complex/major surgery p.48 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to annual and lifetime limits p.48 |
| Diagnostic imaging coinsurance | 0% p.47 |
| Non-surgical cancer treatment | Full cover, subject to annual and lifetime limits p.47 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis due to chronic and irreversible kidney failure p.48 |
| Day case procedures | Covered as in-patient, full cover for various items 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 for terminal illness 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 | Full cover for pre- and post-confinement/day case procedure outpatient care p.48 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8; if unknown and manifested/diagnosed after age 8, 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.17 |
| Pregnancy complications | Covered for specified complications, subject to 300-day waiting period, payable according to limits of basic and certain enhanced benefits p.48 |
| Emergency dental | Full cover for accidental dental treatment within 2 weeks of accident p.48 |
| Hospital cash | HKD 1,000 per day for staying in a room lower than Semi-private Room in a private hospital in Hong Kong p.49 |
| Companion bed | Full cover for one extra bed for immediate family member during confinement p.48 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics; venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); purchase of durable medical equipment (e.g., wheelchairs, beds, oxygen devices); alternative treatments (e.g., hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy) p.16 |
At a constant age of 45, Prudential has filed 2 schedule changes on this plan since 2021, an average of +3.1% a year, taking the premium from HK$4,602 to HK$5,123.
| Year | Change |
|---|---|
| 2024 | +5.0% |
| 2025 | +6.0% |
| 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.