Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-09-000-01. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$17,218 |
| 45 | HK$26,194 |
| 60 | HK$52,798 |
| 75 | HK$123,398 |
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 | worldwide_ex_us |
| 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 31st day of Policy Year 1 onwards p.15 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.15 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off if benefits paid; pro-rata refund if terminated due to death or company ceasing authorization p.3 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, but company discretion to accept/reject) p.10 |
| Room class | Semi-private Room in Hong Kong, Macau or mainland China; Private Room elsewhere (except USA for non-accidents) p.47 |
| If a higher room is used | 50% adjustment for Private Room if entitled to Semi-private; 25% adjustment for Above Private Room if entitled to Semi-private or Private p.27 |
| Geographical cover | Worldwide except USA. Asia includes 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. p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered worldwide except USA for non-accidents. Covered in USA for accidents only. p.49 |
| Full cover on core benefits | yes p.49 |
| Annual limit | 12,000,000 p.47 |
| Lifetime limit | 56,000,000 p.47 |
| Deductible options | 0 p.47 |
| How the deductible applies | Per Policy Year, with options to reduce at ages 50, 55, 60, 65, 70, 75, 80, 85 p.47 |
| Coinsurance | none p.47 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 30 days before admission; 1 prior visit/consultation if more than 30 days before admission p.47 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge; within 365 days for complex or major surgical procedures p.47 |
| General outpatient | none |
| Psychiatric treatment | Full cover during Confinement in Hong Kong 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 room and board and other eligible expenses p.12 |
| Home nursing | HKD 1,600 per day, maximum 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 after discharge (up to 1 visit per day) p.48 |
| Physiotherapy | Full cover during Confinement and for pre/post-Confinement outpatient care; for Covered Cancer, Heart Attack and Stroke: HKD 1,000 per visit, maximum 15 visits per Policy Year, maximum HKD 45,000 per Incident p.13 |
| Congenital conditions | Not covered if manifested or diagnosed before age 8 p.17 |
| Pregnancy complications | Covered for specific complications (e.g., ectopic pregnancy, pre-eclampsia) according to benefit limits of basic and some enhanced items, if diagnosed at least 300 days after Policy Effective Date p.48 |
| Emergency dental | Full cover for emergency treatment necessitated by accident to natural teeth within 2 weeks of accident, including staunch bleeding, X-ray, tooth extraction, root canal work p.48 |
| 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 for one extra bed for immediate family member during Confinement p.48 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances unless specified; 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 +3.0% a year, taking the premium from HK$23,569 to HK$26,194.
| Year | Change |
|---|---|
| 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.