Prudential PRUHealth VHIS EasyChoice Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00068-05-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,178 |
| 45 | HK$2,106 |
| 60 | HK$3,050 |
| 75 | HK$6,877 |
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$284 |
| Hospital charges | HK$3,097 |
| Doctor's visits | HK$259 |
| Specialist fees | HK$852 |
| Intensive care | HK$800 |
| Surgeon's fee | HK$9,678 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$3,871 |
| Non-surgical cancer treatment | HK$15,484 |
| Outpatient before and after | HK$594 |
| Psychiatric treatment | HK$4,517 |
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 | First 30 days of the first Policy Year no coverage, 31st day of the first Policy Year onwards full coverage p.15 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period, provided no benefit payment has been made p.3 |
| Switching from another plan | Policy Holder can switch to another plan with upgrade/addition of benefits (re-underwriting for new benefits) or downgrade/reduction of benefits (no re-underwriting, discretion to accept/reject) p.10 |
| Room class | Semi-private Room p.36 |
| If a higher room is used | If a higher room class than Covered Room is chosen, Relevant Benefit Payable will be multiplied by a percentage (25% for Private Room, 25% for Above Private Room if Covered Room is Semi-private Room) before 80% reimbursement. p.4 |
| Geographical cover | worldwide, except for 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 |
| How the deductible applies | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests (can be waived to 0% under certain conditions); 20% for PRUHealth Major benefits p.4 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, USD 149 per visit, up to USD 594 per Policy Year p.35 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure (within 90 days), USD 149 per visit, up to USD 594 per Policy Year p.35 |
| General outpatient | none |
| Psychiatric treatment | USD 4,517 per Policy Year p.35 |
| Diagnostic imaging coinsurance | 30% (can be waived to 0% if conditions in Section 1 of Supplement - Benefits are fully satisfied) p.35 |
| Non-surgical cancer treatment | USD 15,484 per Policy Year p.35 |
| Kidney dialysis | Covered for haemodialysis or peritoneal dialysis due to chronic and irreversible kidney failure, USD 14,194 per Policy Year p.2 |
| Day case procedures | Covered as in-patient for Medically Necessary surgical procedures, subject to respective benefit limits p.12 |
| Home nursing | Post-surgery home nursing by Registered Nurse, USD 111 per visit, max 15 visits per Policy Year (within 31 days post-discharge/Day Case) p.2 |
| Hospice care | none |
| Chinese medicine | Covered for Specified Cancer, USD 78 per visit, max 15 visits per Policy Year (within 90 days post-discharge/treatment) p.3 |
| Physiotherapy | Covered as ancillary service prior to or after Confinement/Day Case Procedure, USD 149 per visit, max 10 visits per Policy Year p.2 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.17 |
| Pregnancy complications | Covered for specified complications, subject to respective benefit limits, 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 | One extra bed for immediate family member, USD 104 per day, max 180 days per Policy Year p.2 |
| 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 | dependence, overdose or influence of drugs, alcohol, narcotics; Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; traditional Chinese medicine treatment 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$1,860 to HK$2,106.
| 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.