Prudential PRUHealth VHIS EasyChoice Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00068-01-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,809 |
| 45 | HK$8,438 |
| 60 | HK$11,467 |
| 75 | HK$25,419 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$1,100 |
| Hospital charges | HK$16,000 |
| Doctor's visits | HK$960 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$50,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$3,000 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, maternity, chinese medicine, home nursing, a companion bed, kidney dialysis, 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 | none |
| Cancellation and refund | Full refund during 21-day cooling-off period if no benefit paid. After cooling-off, cancellation with 30 days notice if no benefit paid in Policy Year. p.2 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible, subject to re-underwriting for the upgraded benefits p.10 |
| Room class | not restricted p.11 |
| If a higher room is used | Relevant Benefit Payable will be multiplied by a percentage (25% or 50%) before 80% reimbursement if a higher room class is voluntarily chosen p.4 |
| Geographical cover | worldwide p.11 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | covered, worldwide p.11 |
| Full cover on core benefits | no p.35 |
| Annual limit | unlimited p.36 |
| Lifetime limit | none p.36 |
| How the deductible applies | per Policy Year p.18 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for PRUHealth Major benefits p.35 |
| Pre-admission outpatient | 1 visit, HKD 750 per visit, up to HKD 3,000 per Policy Year p.35 |
| Post-discharge outpatient | 3 visits within 90 days, HKD 750 per visit, up to HKD 3,000 per Policy Year p.35 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.35 |
| Diagnostic imaging coinsurance | 30% (0% if conditions in Supplement Section 1 are met) p.35 |
| Non-surgical cancer treatment | HKD 80,000 per Policy Year p.35 |
| Kidney dialysis | HKD 50,000 per Policy Year p.36 |
| Day case procedures | covered as in-patient for various benefits p.12 |
| Home nursing | HKD 500 per visit, max 15 visits per Policy Year within 31 days post-discharge p.36 |
| Hospice care | none p.19 |
| Chinese medicine | HKD 400 per visit, max 15 visits per Policy Year within 90 days post-discharge for Specified Cancer p.36 |
| Physiotherapy | HKD 750 per visit, max 10 visits per Policy Year (1 prior, 9 post-discharge within 90 days) p.36 |
| Congenital conditions | covered from age 8 p.16 |
| Pregnancy complications | Covered according to limits of various benefit items, if diagnosed at least 300 days after Policy Effective Date p.3 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.16 |
| Hospital cash | none |
| Companion bed | HKD 600 per day, max 180 days per Policy Year p.36 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available for Prescribed Diagnostic Imaging Tests at Network Imaging Centres using electronic medical card p.1 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment unless covered under Supplement Section 7 p.16 |
At a constant age of 45, Prudential has filed 2 schedule changes on this plan since 2021, an average of +3.2% a year, taking the premium from HK$7,448 to HK$8,438.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | +5.0% |
| 2025 | +7.9% |
| 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.