Prudential PRUHealth VHIS VIP Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00050-16-000-01. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$490 |
| 45 | HK$704 |
| 60 | HK$1,576 |
| 75 | HK$3,742 |
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 | First 30 days of the first Policy Year no coverage, 31st day of the first Policy Year onwards full coverage p.15 |
| Waiting period | 300 days for pregnancy complications p.31 |
| Cancellation and refund | Full refund within 21-day cooling-off period; pro-rata refund if terminated due to death or company ceasing authorization p.3 |
| Switching from another plan | Can switch to another plan from the same insurer with upgrade/downgrade of benefits, re-underwriting limited to upgraded benefits 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 | 50% adjustment for Private Room if entitled to Semi-private; 25% adjustment for Above Private Room if entitled to Private p.27 |
| Geographical cover | Worldwide except USA p.47 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered for accidents in USA; otherwise covered within Worldwide except USA territory p.47 |
| 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, USD 12,000, and other options available at renewal p.29 |
| How the deductible applies | Per Policy Year; can be reduced at ages 50, 55, 60, 65, 70, 75, 80, 85 p.29 |
| Coinsurance | none p.47 |
| Pre-admission outpatient | Full cover for all prior outpatient visits within 30 days before admission; 1 prior outpatient visit more than 30 days before admission 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 in-patient for eligible procedures 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/day during confinement, USD 75/visit post-discharge for 90 days) p.48 |
| Physiotherapy | Covered as part of miscellaneous charges during confinement and pre/post-confinement outpatient care p.13 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.17 |
| Pregnancy complications | Covered according to benefit limits of relevant items, subject to 300-day waiting period p.48 |
| Emergency dental | Full cover for emergency treatment due to accident within 2 weeks, excluding restorative, precious metals, and orthodontic treatment p.48 |
| Hospital cash | USD 125 per day for staying in a room class lower than Semi-private in Hong Kong private hospitals p.49 |
| Companion bed | Full cover for one extra bed for immediate family member during confinement p.48 |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); sterilisation, sex reassignment, sexual dysfunction; purchase of durable medical equipment or appliances 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$633 to HK$704.
| 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.