Prudential PRUHealth VHIS EasyChoice Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00068-02-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,127 |
| 45 | HK$16,322 |
| 60 | HK$23,634 |
| 75 | HK$53,296 |
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 |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$2,200 |
| Hospital charges | HK$24,000 |
| Doctor's visits | HK$2,000 |
| Specialist fees | HK$6,600 |
| Intensive care | HK$6,200 |
| Surgeon's fee | HK$75,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$120,000 |
| Outpatient before and after | HK$4,600 |
| Psychiatric treatment | HK$35,000 |
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 | No coverage for the first 30 days of the first Policy Year; full coverage from the 31st day of the first Policy Year onwards p.15 |
| Waiting period | 300 days for pregnancy complications; 1 year for compassionate death benefit (suicide exclusion) p.3 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off if benefits paid; pro-rata refund upon death of Insured Person or Company ceasing authorization p.3 |
| Switching from another plan | Allowed to switch to another plan with upgraded/added benefits (re-underwriting for new benefits) or downgraded/reduced benefits (no re-underwriting, discretion to accept/reject) p.10 |
| Room class | Semi-private p.35 |
| If a higher room is used | If a higher room class than Semi-private is chosen, Relevant Benefit Payable for PRUHealth Major benefits will be multiplied by 25% or 50% before 80% reimbursement, depending on the room class used p.4 |
| Geographical cover | Worldwide, except for psychiatric treatment p.11 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered worldwide, subject to annual limit p.11 |
| Full cover on core benefits | no p.12 |
| Annual limit | No overall annual limit for basic and enhanced benefits; HKD 200,000 per Disability per Policy Year for PRUHealth Major benefits p.36 |
| Lifetime limit | none p.11 |
| Deductible options | none |
| How the deductible applies | not applicable |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests (can be 0% if conditions met); 20% for PRUHealth Major benefits p.35 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to HKD 1,150 per visit, capped at HKD 4,600 per Policy Year p.35 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure (within 90 days), up to HKD 1,150 per visit, capped at HKD 4,600 per Policy Year p.35 |
| General outpatient | none |
| Psychiatric treatment | HKD 35,000 per Policy Year p.35 |
| Diagnostic imaging coinsurance | 30% (can be 0% if conditions in Section 1 of Supplement - Benefits are fully satisfied) p.35 |
| Non-surgical cancer treatment | HKD 120,000 per Policy Year p.35 |
| Kidney dialysis | Covered, up to HKD 110,000 per Policy Year p.36 |
| Day case procedures | Covered as in-patient, subject to respective benefit limits p.12 |
| Home nursing | Post-surgery home nursing covered, up to HKD 860 per visit, maximum 15 visits per Policy Year (within 31 days post-discharge/Day Case Procedure) p.36 |
| Hospice care | none p.19 |
| Chinese medicine | Covered for Specified Cancer, up to HKD 600 per visit, maximum 15 visits per Policy Year (within 90 days post-discharge/treatment) p.36 |
| Physiotherapy | Covered as ancillary services, up to HKD 1,150 per visit, maximum 10 visits per Policy Year (1 prior visit, treatments within 90 days post-discharge/Day Case Procedure) p.36 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.17 |
| Pregnancy complications | Covered for specified complications, subject to respective benefit limits, with a 300-day waiting period from Policy Effective Date p.3 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.17 |
| Hospital cash | none |
| Companion bed | Covered for one extra bed for immediate family member, up to HKD 800 per day, maximum 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 via electronic medical card for coinsurance waiver p.1 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances (e.g., air purifiers, heat appliances); Traditional Chinese medicine and other alternative treatments (unless covered for Specified Cancer) 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$14,414 to HK$16,322.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | +5.0% |
| 2025 | +7.8% |
| 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.