Prudential PRUHealth VHIS EasyChoice Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00068-03-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$16,230 |
| 45 | HK$28,343 |
| 60 | HK$42,587 |
| 75 | HK$98,495 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$4,000 |
| Hospital charges | HK$35,000 |
| Doctor's visits | HK$3,800 |
| Specialist fees | HK$12,280 |
| Intensive care | HK$9,600 |
| Surgeon's fee | HK$110,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$40,000 |
| Non-surgical cancer treatment | HK$160,000 |
| Outpatient before and after | HK$6,000 |
| Psychiatric treatment | HK$40,000 |
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 | whole life p.8 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for first 30 days of first Policy Year; full coverage from 31st day of first Policy Year onwards p.15 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.15 |
| Cancellation and refund | Full refund if cancelled within 21 days cooling-off period, provided no benefit payment has been made. After cooling-off, 30 days prior written notice required, no refund if benefit paid in relevant Policy Year. p.3 |
| Switching from another plan | Policy Holder can request to switch to another insurance plan which provides upgrade or addition of benefits, subject to re-underwriting limited to such upgrade or additional benefits. For downgrade or reduction of benefits, no re-underwriting but Company has discretion to accept or reject. p.10 |
| Room class | Private Room p.35 |
| If a higher room is used | If higher room class than Covered Room is chosen, Relevant Benefit Payable will be multiplied by a percentage (e.g., 25% for Private Room if above Private Room is used) before 80% reimbursement. No adjustment for standard benefits. p.4 |
| Geographical cover | Worldwide, except for psychiatric treatment p.11 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered as part of worldwide territorial scope, no specific limit stated. p.11 |
| Full cover on core benefits | no p.35 |
| Annual limit | Nil p.36 |
| Lifetime limit | None p.11 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests, 20% for PRUHealth Major benefits p.35 |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement / Day Case Procedure, up to $1,500 per visit, up to $6,000 per Policy Year p.35 |
| Post-discharge outpatient | 3 follow-up outpatient visits per Confinement / Day Case Procedure (within 90 days after discharge), up to $1,500 per visit, up to $6,000 per Policy Year p.35 |
| General outpatient | none |
| Psychiatric treatment | 40000 HKD per Policy Year p.35 |
| Diagnostic imaging coinsurance | 30% p.35 |
| Non-surgical cancer treatment | 160000 HKD per Policy Year p.35 |
| Kidney dialysis | 150000 HKD per Policy Year p.36 |
| Day case procedures | Covered as in-patient, no specific limit stated beyond general benefit limits. p.12 |
| Home nursing | Post-surgery home nursing: $1,260 per visit, maximum 15 visits per Policy Year (1 visit per day) within 31 days after discharge p.36 |
| Hospice care | Excluded p.19 |
| Chinese medicine | Traditional Chinese medicine for Specified Cancer: $800 per visit, maximum 15 visits per Policy Year (1 visit per day) within 90 days after discharge or Prescribed Non-surgical Cancer Treatment p.36 |
| Physiotherapy | Ancillary services (Physiotherapy / occupational therapy / speech therapy / chiropractic treatment): $1,500 per visit, maximum 10 visits per Policy Year. Maximum 1 prior visit per Confinement / Day Case Procedure. Treatments within 90 days after discharge or completion of Day Case Procedure. p.36 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 years p.16 |
| Pregnancy complications | Covered according to benefit limits of respective benefit items I (a) – I (i), I (k), II (a) and II (b), provided diagnosis is at least 300 days after Policy Effective Date. p.36 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be covered. p.16 |
| Hospital cash | none |
| Companion bed | $1,000 per day, maximum 180 days per Policy Year p.36 |
| Direct billing and pre-authorisation | Network Imaging Centre for Prescribed Diagnostic Imaging Tests, conditions apply for 0% coinsurance. p.1 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Expenses for treatments, procedures, medications, tests or services which are not Medically Necessary; Expenses incurred for the whole or part of the Confinement solely for the purpose of diagnostic procedures or allied health services, unless Medically Necessary and cannot be performed as Day Patient; Prophylactic treatment or preventive care (e.g., general check-ups, routine tests, immunisation, health supplements) 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$25,034 to HK$28,343.
| 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.