Prudential PRUHealth VHIS EasyChoice Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00068-04-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$621 |
| 45 | HK$1,089 |
| 60 | HK$1,480 |
| 75 | HK$3,280 |
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$142 |
| Hospital charges | HK$2,065 |
| Doctor's visits | HK$124 |
| Specialist fees | HK$555 |
| Intensive care | HK$452 |
| Surgeon's fee | HK$6,452 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$2,581 |
| Non-surgical cancer treatment | HK$10,323 |
| Outpatient before and after | HK$388 |
| Psychiatric treatment | HK$3,871 |
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 31st day of policy year 1 p.15 |
| Waiting period | 30 days for unknown pre-existing conditions; 300 days for pregnancy complications p.15 |
| Cancellation and refund | full refund within 21-day cooling-off period; no refund after cooling-off period if benefits paid, otherwise 30 days notice required p.3 |
| Switching from another plan | possible to switch to another plan, re-underwriting applies for upgrade or additional benefits p.10 |
| Room class | Ward p.35 |
| If a higher room is used | If higher than Covered Room, Relevant Benefit Payable multiplied by 50% for Semi-private, 25% for Private, 25% for Above Private, before 80% reimbursement. p.4 |
| Geographical cover | worldwide (except psychiatric treatment) 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.11 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for PRUHealth Major benefits p.35 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, $97 per visit, up to $388 per Policy Year p.35 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days, $97 per visit, up to $388 per Policy Year p.35 |
| General outpatient | none |
| Psychiatric treatment | $3,871 per Policy Year p.35 |
| Diagnostic imaging coinsurance | 30% (0% if conditions in Supplement - Benefits Section 1 are met) p.35 |
| Non-surgical cancer treatment | $10,323 per Policy Year p.35 |
| Kidney dialysis | $6,452 per Policy Year p.36 |
| Day case procedures | covered as in-patient, subject to individual benefit limits p.12 |
| Home nursing | $65 per visit, max 15 visits per Policy Year within 31 days post-discharge p.36 |
| Hospice care | none p.19 |
| Chinese medicine | $52 per visit, max 15 visits per Policy Year for Specified Cancer within 90 days post-discharge p.36 |
| Physiotherapy | $97 per visit, max 10 visits per Policy Year p.36 |
| Congenital conditions | covered from age 8 p.17 |
| Pregnancy complications | covered, subject to benefit limits of items I(a)-(i), I(k), II(a)-(b), after 300-day waiting period p.36 |
| Emergency dental | covered for Emergency Treatment and surgery during Confinement arising from an Accident p.16 |
| Hospital cash | none |
| Companion bed | $78 per day, max 180 days per Policy Year p.36 |
| Second medical opinion | not available |
| Direct billing and pre-authorisation | available with Network Imaging Centres for Prescribed Diagnostic Imaging Tests p.1 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments (unless 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 +3.2% a year, taking the premium from HK$961 to HK$1,089.
| 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.