Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-10-000-01. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$6,494 |
| 45 | HK$9,445 |
| 60 | HK$21,630 |
| 75 | HK$50,542 |
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 day 31 of Policy Year 1 p.15 |
| Waiting period | 30 days for unknown pre-existing conditions p.15 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made/is impending p.3 |
| Switching from another plan | Allowed to switch to another plan with upgrade/downgrade of benefits, re-underwriting may apply for upgrades p.10 |
| Room class | Semi-private in HK, Macau, mainland China; Private elsewhere (except USA); Private in USA for accidents only p.47 |
| If a higher room is used | Benefits multiplied by 50% for Private Room (if covered Semi-private), 25% for Above Private Room (if covered Semi-private or Private) p.1 |
| Geographical cover | Worldwide except USA. Asia includes specified countries. p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered within Worldwide except USA. In USA, covered only for accidents. p.49 |
| Full cover on core benefits | yes p.47 |
| Annual limit | 12000000 p.47 |
| Lifetime limit | 56000000 p.47 |
| Deductible options | 0, 20000 p.47 |
| How the deductible applies | Per Policy Year, reducible at ages 50, 55, 60, 65, 70, 75, 80, 85 p.47 |
| Coinsurance | None (0% for Prescribed Diagnostic Imaging Tests) p.47 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 30 days before admission/Day Case Procedure; 1 prior visit/consultation more than 30 days before admission/Day Case Procedure 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 limits p.47 |
| Diagnostic imaging coinsurance | 0% p.47 |
| Non-surgical cancer treatment | Full cover, subject to annual and lifetime limits p.47 |
| Kidney dialysis | Full cover, subject to annual and lifetime limits p.48 |
| Day case procedures | Covered as per in-patient benefits, subject to annual and lifetime limits p.12 |
| Home nursing | HKD 1,600 per day, max 30 days per Policy Year, within 60 days after discharge/Day Case Procedure p.48 |
| Hospice care | HKD 60,000 per Policy Year p.48 |
| Chinese medicine | HKD 30,000 per Policy Year (HKD 400/day during confinement, HKD 600/visit post-discharge) p.48 |
| Physiotherapy | Full cover during confinement and post-discharge outpatient; HKD 1,000 per visit (max 15 visits/year, max HKD 45,000/incident) for rehabilitation for Covered Cancer, Heart Attack, Stroke p.13 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8, or if unknown at application and manifested after 30 days of Policy Year 1 p.17 |
| Pregnancy complications | Covered for specified complications, payable according to benefit limits of I(a)-(i), I(k), II(a)-(d), if diagnosed at least 300 days after Policy Effective Date p.48 |
| Emergency dental | Full cover for emergency dental treatment due to accident, within 2 weeks of accident, excluding restorative, precious metals, orthodontic p.48 |
| Hospital cash | HKD 1,000 per day for staying in a room class lower than Semi-private in a Hong Kong private hospital p.49 |
| Companion bed | Full cover for one extra bed for immediate family member during confinement p.48 |
| Exclusions beyond the VHIS standard list | Prophylactic treatment/preventive care (except wellness benefit, treatments to avoid complications/recurrence); Purchase of durable medical equipment (except home facility enhancement for Covered Cancer, Heart Attack, Stroke); Traditional Chinese medicine/alternative treatment (except during confinement or post-discharge rehabilitation) 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$8,492 to HK$9,445.
| Year | Change |
|---|---|
| 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.