Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-15-000-01. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$651 |
| 45 | HK$937 |
| 60 | HK$2,097 |
| 75 | HK$4,981 |
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 31st day of Policy Year 1 onwards p.15 |
| Waiting period | 300 days for pregnancy complications p.34 |
| Cancellation and refund | Full refund within 21-day cooling-off period. No refund after cooling-off period if benefits paid; otherwise, no refund of premiums paid for current/previous policy years. p.3 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (discretionary, no re-underwriting) p.10 |
| Room class | Semi-private in HK, Macau, mainland China; Private elsewhere (excluding USA); Private in USA (for accidents only) p.47 |
| If a higher room is used | If higher room chosen voluntarily: Private Room (from Semi-private) 50% adjustment; Above Private Room (from Semi-private) 25% adjustment; Above Private Room (from Private) 25% adjustment p.26 |
| 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 territories, if solely and directly due to accidents, covered under Benefit Schedule p.26 |
| Full cover on core benefits | yes p.49 |
| Annual limit | USD 1,500,000 p.47 |
| Lifetime limit | USD 7,000,000 p.47 |
| Deductible options | USD 6,250 p.47 |
| How the deductible applies | Per Policy Year, with option to reduce at ages 50, 55, 60, 65, 70, 75, 80, 85 p.27 |
| Coinsurance | none 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 if more than 30 days before 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 if for complex/major surgical procedure p.47 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to annual limit of USD 1,500,000 p.47 |
| Diagnostic imaging coinsurance | 0% p.47 |
| Non-surgical cancer treatment | Full cover, subject to annual limit of USD 1,500,000 p.47 |
| Kidney dialysis | Full cover, subject to annual limit of USD 1,500,000 p.48 |
| Day case procedures | Covered as in-patient equivalent, subject to annual limit of USD 1,500,000 p.12 |
| Home nursing | USD 200 per day, maximum 30 days per Policy Year, within 60 days after discharge/Day Case Procedure 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 | Covered during confinement and as follow-up outpatient care post-discharge/Day Case Procedure, full cover p.13 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.17 |
| Pregnancy complications | Covered according to benefit limits of items I(a)-(i), I(k), II(a)-(d), with 300-day waiting period p.34 |
| Emergency dental | Full cover for emergency treatment necessitated to natural tooth/teeth within 2 weeks of accident, excluding restorative/precious metals/orthodontic p.31 |
| 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.30 |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available p.11 |
| Exclusions beyond the VHIS standard list | Not Medically Necessary; Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment, and other forms of alternative treatment p.16 |
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$867 to HK$937.
| 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.