Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-13-000-01. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$2,152 |
| 45 | HK$3,274 |
| 60 | HK$6,600 |
| 75 | HK$15,425 |
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$1,500,000 |
| Lifetime limit | HK$7,000,000 |
| 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 | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; pro-rata refund upon death of Insured Person or Company ceasing authorization p.3 |
| Switching from another plan | Switching to another plan from the same insurer is possible, with re-underwriting for upgrades/additions, or discretion for downgrades/reductions p.10 |
| Room class | Semi-private in HK, Macau, mainland China; Private elsewhere (except USA for non-accidents) p.47 |
| If a higher room is used | Benefits multiplied by adjustment percentage: Private Room (50% of Semi-private), Above Private Room (25% of Semi-private or Private) p.26 |
| Geographical cover | Worldwide except USA p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered within territory; in USA covered for accidents only p.49 |
| Full cover on core benefits | yes p.47 |
| Annual limit | USD 1,500,000 p.47 |
| Lifetime limit | USD 7,000,000 p.47 |
| Deductible options | USD 0 p.47 |
| How the deductible applies | Per Policy Year; reduction option at ages 50, 55, 60, 65, 70, 75, 80, 85 p.18 |
| Coinsurance | none p.47 |
| Pre-admission outpatient | Full cover; all visits within 30 days before admission, 1 visit more than 30 days before admission p.47 |
| Post-discharge outpatient | Full cover; all visits within 90 days after discharge; all visits within 365 days after discharge for complex/major surgery p.47 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.47 |
| Diagnostic imaging coinsurance | 0% p.47 |
| Non-surgical cancer treatment | Full cover 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 for various benefits p.18 |
| Home nursing | USD 200 per day, max 30 days per Policy Year, within 60 days after discharge p.48 |
| Hospice care | USD 7,500 per Policy Year p.48 |
| Chinese medicine | USD 3,750 per Policy Year; USD 50 per day during Confinement; USD 75 per visit (max 1 per day) within 90 days post-discharge p.48 |
| Physiotherapy | Full cover during Confinement (under miscellaneous charges); USD 125 per visit, max 15 visits per Policy Year, max USD 5,625 per incident for rehabilitation treatments for Covered Cancer, Heart Attack and Stroke p.48 |
| Congenital conditions | Covered from age 8 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 treatment necessitated by accident to natural teeth within 2 weeks of accident p.48 |
| Hospital cash | USD 125 per day for staying below Semi-private Room 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 | standard VHIS exclusions only 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$2,946 to HK$3,274.
| 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.