Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-11-000-01. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$5,210 |
| 45 | HK$7,494 |
| 60 | HK$16,778 |
| 75 | HK$39,851 |
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 p.15 |
| Cancellation and refund | Full refund within 21-day cooling-off period. No refund after cooling-off if benefits paid. Pro-rata refund for current policy year upon death or company ceasing authorization. p.3 |
| Switching from another plan | Allowed to switch to another plan with upgrade or additional benefits, subject to re-underwriting for the upgraded/additional benefits 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 | Benefits multiplied by adjustment percentage: Private Room to Semi-private Room 50%; Above Private Room to Room 25%; Above Private Room to Private Room 25% p.1 |
| Geographical cover | Worldwide except USA p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered for accidents in USA; for other emergencies outside Worldwide except USA, reverts to Standard Plan Terms and Benefits p.47 |
| 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, 50000 p.47 |
| How the deductible applies | Per Policy Year, reducible at ages 50, 55, 60, 65, 70, 75, 80, 85 p.47 |
| Coinsurance | none p.48 |
| Pre-admission outpatient | Full cover for all visits within 30 days before admission, and 1 visit more than 30 days before admission p.48 |
| Post-discharge outpatient | Full cover for all visits within 90 days after discharge, and all visits within 365 days for complex/major surgery p.48 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.48 |
| Diagnostic imaging coinsurance | 0% p.48 |
| Non-surgical cancer treatment | Full cover p.48 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis due to chronic and irreversible kidney failure p.6 |
| Day case procedures | Covered as in-patient, full cover for related expenses p.12 |
| Home nursing | HKD 1,600 per day, max 30 days per policy year, within 60 days after discharge p.6 |
| Hospice care | HKD 60,000 per policy year for terminal illness p.9 |
| Chinese medicine | HKD 30,000 per policy year, max HKD 400 per day during confinement, max HKD 600 per visit within 90 days post-discharge p.7 |
| Physiotherapy | Full cover during confinement and as part of post-discharge outpatient care p.13 |
| Congenital conditions | Covered from age 8, subject to general limits p.17 |
| Pregnancy complications | Covered for specified complications, subject to benefit limits of I(a)-(i), I(k) and II(a)-(d), after 300 days waiting period p.9 |
| Emergency dental | Full cover for emergency treatment due to accident within 2 weeks of accident, excluding restorative, precious metals, orthodontic p.7 |
| 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.16 |
| Companion bed | Full cover for one extra bed for immediate family member during confinement p.5 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only |
At a constant age of 45, Prudential has filed 2 schedule changes on this plan since 2021, an average of +2.2% a year, taking the premium from HK$6,934 to HK$7,494.
| Year | Change |
|---|---|
| 2024 | +5.0% |
| 2025 | +2.9% |
| 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.