Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-12-000-01. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$3,918 |
| 45 | HK$5,634 |
| 60 | HK$12,606 |
| 75 | HK$29,939 |
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.8 |
|---|---|
| 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 | 300 days for pregnancy complications p.9 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (unless benefit paid). After cooling-off, cancellation with 30 days written notice, no refund if benefit paid in policy year. p.2 |
| Switching from another plan | Policy Holder can switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, company discretion) 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 | If upgrading from Semi-private to Private Room, benefits are multiplied by 50%; if upgrading from Semi-private to Above Private Room, benefits are multiplied by 25%; if upgrading from Private Room to Above Private Room, benefits are multiplied by 25% p.26 |
| Geographical cover | Worldwide except USA p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered worldwide except USA. In USA, covered for accidents only. 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, 96000 p.28 |
| How the deductible applies | Per Policy Year, can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 p.28 |
| Coinsurance | none p.15 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 30 days before admission/day case procedure; 1 prior outpatient visit or emergency consultation more than 30 days before admission/day case procedure p.48 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/day case procedure; extended to 365 days for complex or major surgical procedures p.48 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to annual and lifetime limits p.48 |
| Diagnostic imaging coinsurance | 0% p.48 |
| Non-surgical cancer treatment | Full cover, subject to annual and lifetime limits p.48 |
| Kidney dialysis | Full cover, subject to annual and lifetime limits p.48 |
| Day case procedures | Covered as per relevant benefit items, subject to annual and lifetime limits p.18 |
| Home nursing | HKD 1,600 per day, maximum 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, with sub-limits of HKD 400 per day during confinement and HKD 600 per visit within 90 days post-discharge/day case procedure p.48 |
| Physiotherapy | Covered under post-discharge outpatient care for follow-up visits related to confinement/day case procedure p.14 |
| Congenital conditions | Covered from age 8 p.17 |
| Pregnancy complications | Covered as per respective benefit items I(a)-(i), I(k) and II(a)-(d), with a 300-day waiting period from policy effective date p.34 |
| Emergency dental | Full cover for accidental dental treatment necessitated by injury from an accident within 2 weeks of the accident p.31 |
| 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.30 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances (unless specified); traditional Chinese medicine and other alternative treatments (unless specified) 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$5,062 to HK$5,634.
| 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.