Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-14-000-01. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$812 |
| 45 | HK$1,181 |
| 60 | HK$2,704 |
| 75 | HK$6,318 |
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.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 | 30 days for pre-existing conditions unknown at application p.15 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. After cooling-off, no refund of premiums paid if benefits were claimed in the policy year. p.2 |
| Switching from another plan | Allowed to switch to another plan with upgraded/added benefits (re-underwriting for new benefits only) or downgraded/reduced benefits (no re-underwriting, company discretion) p.10 |
| Room class | Semi-private Room in Hong Kong, Macau or mainland China; Private Room elsewhere (except USA); Private Room in USA for accidents p.47 |
| If a higher room is used | If higher room class is chosen voluntarily: Private Room (if Semi-private is covered) 50% adjustment; Above Private Room (if Semi-private is covered) 25% adjustment; Above Private Room (if Private is covered) 25% adjustment p.1 |
| Geographical cover | Worldwide except USA p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered within Worldwide except USA. For USA, covered for accidents only. p.1 |
| 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 2,500, and a guaranteed zero (0) Deductible option is available at certain ages p.4 |
| How the deductible applies | Per Policy Year, with options to reduce at ages 50, 55, 60, 65, 70, 75, 80, 85 p.3 |
| 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, or 1 visit if more than 30 days before p.47 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge, or within 365 days for complex/major surgical procedures p.47 |
| General outpatient | none |
| Psychiatric treatment | Full cover (subject to Annual Benefit Limit of USD 1,500,000) p.47 |
| Diagnostic imaging coinsurance | 0% p.47 |
| Non-surgical cancer treatment | Full cover (subject to Annual Benefit Limit of USD 1,500,000) p.47 |
| Kidney dialysis | Full cover (subject to Annual Benefit Limit of USD 1,500,000) p.48 |
| Day case procedures | Covered as per Eligible Expenses p.12 |
| 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/day during Confinement, USD 75/visit post-discharge within 90 days) p.48 |
| Physiotherapy | Full cover during Confinement (as part of miscellaneous charges) and for follow-up outpatient visits post-discharge p.13 |
| Congenital conditions | Covered from age 8 p.17 |
| Pregnancy complications | Covered for defined complications, payable according to benefit limits of relevant items (I(a)-(i), I(k), II(a)-(d)) p.9 |
| Emergency dental | Full cover for emergency treatment necessitated by accident to natural teeth within 2 weeks of accident p.6 |
| Hospital cash | USD 125 per day for staying in a room class lower than Semi-private Room in a Hong Kong private hospital p.49 |
| Companion bed | Full cover for one extra bed for immediate family member during Insured Person's 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 +3.1% a year, taking the premium from HK$1,062 to HK$1,181.
| 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.