Prudential PRUHealth VHIS EasyChoice Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00068-06-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,094 |
| 45 | HK$3,657 |
| 60 | HK$5,495 |
| 75 | HK$12,709 |
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$517 |
| Hospital charges | HK$4,516 |
| Doctor's visits | HK$491 |
| Specialist fees | HK$1,585 |
| Intensive care | HK$1,239 |
| Surgeon's fee | HK$14,194 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$5,162 |
| Non-surgical cancer treatment | HK$20,646 |
| Outpatient before and after | HK$775 |
| Psychiatric treatment | HK$5,162 |
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 | First 30 days of the first Policy Year no coverage, 31st day of the first Policy Year onwards full coverage p.15 |
| Waiting period | 30 days for unknown pre-existing conditions p.15 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made p.3 |
| Switching from another plan | Possible to switch to another plan with upgraded/additional benefits, subject to re-underwriting for the upgraded/additional benefits p.10 |
| Room class | not restricted p.12 |
| If a higher room is used | Relevant Benefit Payable for PRUHealth Major benefits will be multiplied by 25% or 50% if a higher room class than the Covered Room is voluntarily chosen p.30 |
| Geographical cover | worldwide (except psychiatric treatment) p.11 |
| Psychiatric treatment area | Hong Kong only p.14 |
| Emergency treatment abroad | Covered worldwide, subject to general benefit limits p.11 |
| Full cover on core benefits | no p.35 |
| Annual limit | unlimited p.36 |
| Lifetime limit | none p.36 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests (can be 0% if conditions met); 20% for PRUHealth Major benefits p.29 |
| Pre-admission outpatient | 1 visit or emergency consultation per confinement/day case procedure, up to $194 per visit, $775 per Policy Year p.35 |
| Post-discharge outpatient | 3 follow-up visits per confinement/day case procedure within 90 days, up to $194 per visit, $775 per Policy Year p.35 |
| General outpatient | none |
| Psychiatric treatment | $5,162 per Policy Year p.35 |
| Diagnostic imaging coinsurance | 30% (can be 0% if conditions stated in Supplement Section 1 are met) p.35 |
| Non-surgical cancer treatment | $20,646 per Policy Year p.35 |
| Kidney dialysis | $19,355 per Policy Year p.36 |
| Day case procedures | Covered as per relevant benefit items (e.g., room and board, surgeon's fee, outpatient care) with their respective limits p.12 |
| Home nursing | $163 per visit, maximum 15 visits per Policy Year (within 31 days after discharge/day case procedure) p.36 |
| Hospice care | none p.19 |
| Chinese medicine | For Specified Cancer only: $104 per visit, maximum 15 visits per Policy Year (within 90 days after discharge/treatment) p.36 |
| Physiotherapy | $194 per visit, maximum 10 visits per Policy Year (1 prior visit, treatments within 90 days after discharge/day case procedure) p.36 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.17 |
| Pregnancy complications | Covered for specified complications, payable as per relevant benefit items, if diagnosed at least 300 days after Policy Effective Date p.29 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.17 |
| Hospital cash | none |
| Companion bed | $130 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 using electronic medical card p.26 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances 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$3,230 to HK$3,657.
| 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.