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Prudential Hong Kong Limited — same-insurer plan comparison
Prudential Hong Kong Limited · 14 plan series (39 variants, deductibles merged, HKD/USD merged, sorted from basic to comprehensive)
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Highlights
VHIS cert no.
S00026-01-000-02Benefits PDFPremiums PDF
F00013-01-000-06Benefits PDFPremiums PDF
F00013-04-000-06Benefits PDFPremiums PDF
F00013-01-001-06Benefits PDFPremiums PDF
F00013-04-001-06Benefits PDFPremiums PDF
F00013-01-002-06Benefits PDFPremiums PDF
F00013-04-002-06Benefits PDFPremiums PDF
F00013-02-000-06Benefits PDFPremiums PDF
F00013-05-000-06Benefits PDFPremiums PDF
F00013-02-001-06Benefits PDFPremiums PDF
F00013-05-001-06Benefits PDFPremiums PDF
F00013-02-002-06Benefits PDFPremiums PDF
F00013-05-002-06Benefits PDFPremiums PDF
F00013-03-000-06Benefits PDFPremiums PDF
F00013-06-000-06Benefits PDFPremiums PDF
F00013-03-001-06Benefits PDFPremiums PDF
F00013-06-001-06Benefits PDFPremiums PDF
F00068-01-000-01Benefits PDFPremiums PDF
F00068-04-000-01Benefits PDFPremiums PDF
F00068-02-000-01Benefits PDFPremiums PDF
F00068-05-000-01Benefits PDFPremiums PDF
F00068-03-000-01Benefits PDFPremiums PDF
F00068-06-000-01Benefits PDFPremiums PDF
F00050-01-000-04Benefits PDFPremiums PDF
F00050-02-000-04Benefits PDFPremiums PDF
F00050-03-000-04Benefits PDFPremiums PDF
F00050-07-000-01Benefits PDFPremiums PDF
F00050-04-000-04Benefits PDFPremiums PDF
F00050-05-000-04Benefits PDFPremiums PDF
F00050-06-000-04Benefits PDFPremiums PDF
F00050-08-000-01Benefits PDFPremiums PDF
F00050-09-000-01Benefits PDFPremiums PDF
F00050-10-000-01Benefits PDFPremiums PDF
F00050-11-000-01Benefits PDFPremiums PDF
F00050-12-000-01Benefits PDFPremiums PDF
F00050-13-000-01Benefits PDFPremiums PDF
F00050-14-000-01Benefits PDFPremiums PDF
F00050-15-000-01Benefits PDFPremiums PDF
F00050-16-000-01Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Asia incl. AU/NZ
Worldwide (excluding United States)
Ward
N/A (capped)
Ward
Ward
Ward
Semi-Private Room
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Ward
Semi-Private Room
Standard Private Room
Semi-Private Room
Semi-Private Room
Lifetime limit
—
—
—
—
—
—
—
—
—
—
—
—
Annual limit
—
—
—
—
—
—
—
—
—
—
—
Per illness
—
—
—
—
—
—
—
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
Full coverage
Full coverage
Full coverage
—
—
No-Claim Bonus
—
15% (savings account)
15% (savings account)
15% (savings account)
15% (savings account)
15% (savings account)
15% (savings account)
15% (savings account)
15% (savings account)
—
—
—
—
—
Deductible
—
—
—
—
—
—
—
—
—
—
—
—
Version
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Oct 1, 2025
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year(US$155 per day, maximum 180 days per Policy Year)
$1,200 per day, maximum 180 days per Policy Year(US$155 per day, maximum 180 days per Policy Year)
$1,200 per day, maximum 180 days per Policy Year(US$155 per day, maximum 180 days per Policy Year)
$2,500 per day, maximum 180 days per Policy Year(US$323 per day, maximum 180 days per Policy Year)
$2,500 per day, maximum 180 days per Policy Year(US$323 per day, maximum 180 days per Policy Year)
$2,500 per day, maximum 180 days per Policy Year(US$323 per day, maximum 180 days per Policy Year)
$4,500 per day, maximum 180 days per Policy Year(US$581 per day, maximum 180 days per Policy Year)
$4,500 per day, maximum 180 days per Policy Year(US$581 per day, maximum 180 days per Policy Year)
$1,100 per day, maximum 180 days per Policy Year(US$142 per day, maximum 180 days per Policy Year)
$2,200 per day, maximum 180 days per Policy Year(US$284 per day, maximum 180 days per Policy Year)
$4,000 per day, maximum 180 days per Policy Year(US$517 per day, maximum 180 days per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(b) Miscellaneous charges
$14,000 per Policy Year
$18,000 per Policy Year(US$2,323 per Policy Year)
$18,000 per Policy Year(US$2,323 per Policy Year)
$18,000 per Policy Year(US$2,323 per Policy Year)
$26,000 per Policy Year(US$3,355 per Policy Year)
$26,000 per Policy Year(US$3,355 per Policy Year)
$26,000 per Policy Year(US$3,355 per Policy Year)
$36,000 per Policy Year(US$4,646 per Policy Year)
$36,000 per Policy Year(US$4,646 per Policy Year)
$16,000 per Policy Year(US$2,065 per Policy Year)
$24,000 per Policy Year(US$3,097 per Policy Year)
$35,000 per Policy Year(US$4,516 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year(US$130 per day, maximum 180 days per Policy Year)
$1,000 per day, maximum 180 days per Policy Year(US$130 per day, maximum 180 days per Policy Year)
$1,000 per day, maximum 180 days per Policy Year(US$130 per day, maximum 180 days per Policy Year)
$2,200 per day, maximum 180 days per Policy Year(US$284 per day, maximum 180 days per Policy Year)
$2,200 per day, maximum 180 days per Policy Year(US$284 per day, maximum 180 days per Policy Year)
$2,200 per day, maximum 180 days per Policy Year(US$284 per day, maximum 180 days per Policy Year)
$4,000 per day, maximum 180 days per Policy Year(US$517 per day, maximum 180 days per Policy Year)
$4,000 per day, maximum 180 days per Policy Year(US$517 per day, maximum 180 days per Policy Year)
$960 per day, maximum 180 days per Policy Year(US$124 per day, maximum 180 days per Policy Year)
$2,000 per day, maximum 180 days per Policy Year(US$259 per day, maximum 180 days per Policy Year)
$3,800 per day, maximum 180 days per Policy Year(US$491 per day, maximum 180 days per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(d) Specialist's fee
$4,300 per Policy Year
$4,300 per Policy Year(US$555 per Policy Year)
$4,300 per Policy Year(US$555 per Policy Year)
$4,300 per Policy Year(US$555 per Policy Year)
$6,600 per Policy Year(US$852 per Policy Year)
$6,600 per Policy Year(US$852 per Policy Year)
$6,600 per Policy Year(US$852 per Policy Year)
$12,280 per Policy Year(US$1,585 per Policy Year)
$12,280 per Policy Year(US$1,585 per Policy Year)
$4,300 per Policy Year(US$555 per Policy Year)
$6,600 per Policy Year(US$852 per Policy Year)
$12,280 per Policy Year(US$1,585 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 90 days per Policy Year(US$452 per day, maximum 90 days per Policy Year)
$3,500 per day, maximum 90 days per Policy Year(US$452 per day, maximum 90 days per Policy Year)
$3,500 per day, maximum 90 days per Policy Year(US$452 per day, maximum 90 days per Policy Year)
$6,200 per day, maximum 90 days per Policy Year(US$800 per day, maximum 90 days per Policy Year)
$6,200 per day, maximum 90 days per Policy Year(US$800 per day, maximum 90 days per Policy Year)
$6,200 per day, maximum 90 days per Policy Year(US$800 per day, maximum 90 days per Policy Year)
$9,600 per day, maximum 90 days per Policy Year(US$1,239 per day, maximum 90 days per Policy Year)
$9,600 per day, maximum 90 days per Policy Year(US$1,239 per day, maximum 90 days per Policy Year)
$3,500 per day, maximum 90 days per Policy Year(US$452 per day, maximum 90 days per Policy Year)
$6,200 per day, maximum 90 days per Policy Year(US$800 per day, maximum 90 days per Policy Year)
$9,600 per day, maximum 90 days per Policy Year(US$1,239 per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(f) Surgeon's fee
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Surgeon's fee — Minor
$5,000
$5,000(US$646)
$5,000(US$646)
$5,000(US$646)
$7,500(US$968)
$7,500(US$968)
$7,500(US$968)
$11,000(US$1,420)
$11,000(US$1,420)
$5,000(US$646)
$7,500(US$968)
$11,000(US$1,420)
—
—
Surgeon's fee — Intermediate
$12,500
$12,500(US$1,613)
$12,500(US$1,613)
$12,500(US$1,613)
$18,750(US$2,420)
$18,750(US$2,420)
$18,750(US$2,420)
$27,500(US$3,549)
$27,500(US$3,549)
$12,500(US$1,613)
$18,750(US$2,420)
$27,500(US$3,549)
—
—
Surgeon's fee — Major
$25,000
$25,000(US$3,226)
$25,000(US$3,226)
$25,000(US$3,226)
$37,500(US$4,839)
$37,500(US$4,839)
$37,500(US$4,839)
$55,000(US$7,097)
$55,000(US$7,097)
$25,000(US$3,226)
$37,500(US$4,839)
$55,000(US$7,097)
—
—
Surgeon's fee — Complex
$50,000
$50,000(US$6,452)
$50,000(US$6,452)
$50,000(US$6,452)
$75,000(US$9,678)
$75,000(US$9,678)
$75,000(US$9,678)
$110,000(US$14,194)
$110,000(US$14,194)
$50,000(US$6,452)
$75,000(US$9,678)
$110,000(US$14,194)
—
—
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$2,581 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%))
$20,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$2,581 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%))
$20,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$2,581 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%))
$30,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$3,871 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%))
$30,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$3,871 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%))
$30,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$3,871 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%))
$40,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$5,162 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%))
$40,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$5,162 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%))
$20,000 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%)(US$2,581 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%))
$30,000 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%)(US$3,871 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%))
$40,000 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%)(US$5,162 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%))
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses; Coinsurance: 0%
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$100,000 per Policy Year(US$12,904 per Policy Year)
$100,000 per Policy Year(US$12,904 per Policy Year)
$100,000 per Policy Year(US$12,904 per Policy Year)
$150,000 per Policy Year(US$19,355 per Policy Year)
$150,000 per Policy Year(US$19,355 per Policy Year)
$150,000 per Policy Year(US$19,355 per Policy Year)
$225,000 per Policy Year(US$29,033 per Policy Year)
$225,000 per Policy Year(US$29,033 per Policy Year)
$80,000 per Policy Year(US$10,323 per Policy Year)
$120,000 per Policy Year(US$15,484 per Policy Year)
$160,000 per Policy Year(US$20,646 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$1,100, per visit, $4,400 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$142, per visit, US$568 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
$1,100, per visit, $4,400 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$142, per visit, US$568 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
$1,100, per visit, $4,400 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$142, per visit, US$568 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
$1,400, per visit, $5,600 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$181, per visit, US$723 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
$1,400, per visit, $5,600 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$181, per visit, US$723 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
$1,400, per visit, $5,600 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$181, per visit, US$723 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
$2,000, per visit, $8,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$259, per visit, US$1,033 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
$2,000, per visit, $8,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$259, per visit, US$1,033 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
$750, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$97, per visit, US$388 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
$1,150, per visit, $4,600 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$149, per visit, US$594 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
$1,500, per visit, $6,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$194, per visit, US$775 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major in the Schedule of Surgical Procedures
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major in the Schedule of Surgical Procedures
(l) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year(US$3,871 per Policy Year)
$30,000 per Policy Year(US$3,871 per Policy Year)
$30,000 per Policy Year(US$3,871 per Policy Year)
$35,000 per Policy Year(US$4,517 per Policy Year)
$35,000 per Policy Year(US$4,517 per Policy Year)
$35,000 per Policy Year(US$4,517 per Policy Year)
$40,000 per Policy Year(US$5,162 per Policy Year)
$40,000 per Policy Year(US$5,162 per Policy Year)
$30,000 per Policy Year(US$3,871 per Policy Year)
$35,000 per Policy Year(US$4,517 per Policy Year)
$40,000 per Policy Year(US$5,162 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses within 2 weeks of the Accident
Full reimbursement of Eligible Expenses within 2 weeks of the Accident
Emergency outpatient treatment for Accident
—
$5,600 per Injury within 24 hours of the Accident(US$723 per Injury within 24 hours of the Accident)
$5,600 per Injury within 24 hours of the Accident(US$723 per Injury within 24 hours of the Accident)
$5,600 per Injury within 24 hours of the Accident(US$723 per Injury within 24 hours of the Accident)
$9,600 per Injury within 24 hours of the Accident(US$1,239 per Injury within 24 hours of the Accident)
$9,600 per Injury within 24 hours of the Accident(US$1,239 per Injury within 24 hours of the Accident)
$9,600 per Injury within 24 hours of the Accident(US$1,239 per Injury within 24 hours of the Accident)
$13,600 per Injury within 24 hours of the Accident(US$1,755 per Injury within 24 hours of the Accident)
$13,600 per Injury within 24 hours of the Accident(US$1,755 per Injury within 24 hours of the Accident)
80% of the benefit payable under benefit item II (d)
80% of the benefit payable under benefit item II (d)
80% of the benefit payable under benefit item II (d)
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Inpatient-related
Medical implants / prosthetic devices
—
—
—
—
—
—
—
—
—
—
—
—
Specified items: Full reimbursement of Eligible Expenses; other items: $250,000 per Policy Year(Specified items: Full reimbursement of Eligible Expenses; other items: US$31,250 per Policy Year)
Specified items: Full reimbursement of Eligible Expenses; other items: $250,000 per Policy Year(Specified items: Full reimbursement of Eligible Expenses; other items: US$31,250 per Policy Year)
Complications of pregnancy
—
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Hospital companion bed fee reimbursement
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Private nursing fee (during Confinement)
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses• Maximum 30 days per Policy Year (up to 2 sessions per day)
Full reimbursement of Eligible Expenses• Maximum 30 days per Policy Year (up to 2 sessions per day)
Outpatient-related
Post-stroke rehabilitation visits
—
—
—
—
—
—
—
—
—
—
—
—
$1,000 per visit, max 15 visits per Policy Year (up to 1 per covered modality per day), aggregate max $45,000 per Accident(US$125 per visit, max 15 visits per Policy Year (up to 1 per covered modality per day), aggregate max US$5,625 per Accident)Also covers cancer / cardiac
$1,000 per visit, max 15 visits per Policy Year (up to 1 per covered modality per day), aggregate max $45,000 per Accident(US$125 per visit, max 15 visits per Policy Year (up to 1 per covered modality per day), aggregate max US$5,625 per Accident)Also covers cancer / cardiac
Post-stroke home equipment upgrade
—
—
—
—
—
—
—
—
—
—
—
—
$50,000 per Accident(US$6,250 per Accident)Also covers cancer / cardiac
$50,000 per Accident(US$6,250 per Accident)Also covers cancer / cardiac
Cancer / cardiac / stroke rehabilitation benefit
—
—
—
—
—
—
—
—
—
—
—
—
$80,000 per Policy Year• Maximum 60 days per Policy Year• Admission to rehabilitation centre within 90 days after discharge(US$10,000 per Policy Year• Maximum 60 days per Policy Year• Admission to rehabilitation centre within 90 days after discharge)
$80,000 per Policy Year• Maximum 60 days per Policy Year• Admission to rehabilitation centre within 90 days after discharge(US$10,000 per Policy Year• Maximum 60 days per Policy Year• Admission to rehabilitation centre within 90 days after discharge)
Outpatient kidney dialysis
—
$90,000 per Policy Year(US$11,613 per Policy Year)
$90,000 per Policy Year(US$11,613 per Policy Year)
$90,000 per Policy Year(US$11,613 per Policy Year)
$135,000 per Policy Year(US$17,420 per Policy Year)
$135,000 per Policy Year(US$17,420 per Policy Year)
$135,000 per Policy Year(US$17,420 per Policy Year)
$200,000 per Policy Year(US$25,807 per Policy Year)
$200,000 per Policy Year(US$25,807 per Policy Year)
—
—
—
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Hospice and palliative care benefit
—
—
—
—
—
—
—
—
—
—
—
—
$60,000 per Policy Year(US$7,500 per Policy Year)
$60,000 per Policy Year(US$7,500 per Policy Year)
Daily post-surgery home nursing benefit
—
$600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$78 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure)
$600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$78 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure)
$600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$78 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure)
$960 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$124 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure)
$960 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$124 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure)
$960 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$124 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure)
$1,360 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$176 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure)
$1,360 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$176 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure)
80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $500 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure)(80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to US$65 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure))
80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $860 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure)(80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to US$111 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure))
80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $1,260 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure)(80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to US$163 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure))
$1,600 per day• Maximum 30 days per Policy Year (up to 2 sessions per day)• Within the post-discharge window after Confinement or Day Case Procedure(US$200 per day• Maximum 30 days per Policy Year (up to 2 sessions per day)• Within the post-discharge window after Confinement or Day Case Procedure)
$1,600 per day• Maximum 30 days per Policy Year (up to 2 sessions per day)• Within the post-discharge window after Confinement or Day Case Procedure(US$200 per day• Maximum 30 days per Policy Year (up to 2 sessions per day)• Within the post-discharge window after Confinement or Day Case Procedure)
Chinese Medicine Practitioner outpatient care
—
$400 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$52 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments)
$400 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$52 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments)
$400 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$52 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments)
$600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$78 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments)
$600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$78 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments)
$600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$78 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments)
$800 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$104 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments)
$800 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$104 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments)
80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $400 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment)(80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to US$52 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment))
80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $600 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment)(80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to US$78 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment))
80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $800 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment)(80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to US$104 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment))
$30,000 per Policy Year• $400 per day during Confinement• $600 per visit for treatments within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 treatment per day)(US$3,750 per Policy Year• US$50 per day during Confinement• US$75 per visit for treatments within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 treatment per day))
$30,000 per Policy Year• $400 per day during Confinement• $600 per visit for treatments within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 treatment per day)(US$3,750 per Policy Year• US$50 per day during Confinement• US$75 per visit for treatments within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 treatment per day))
Post-Confinement / Day Case Procedure auxiliary therapy
—
$750 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$97 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure)
$750 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$97 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure)
$750 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$97 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure)
$1,150 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$149 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure)
$1,150 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$149 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure)
$1,150 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$149 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure)
$1,500 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$194 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure)
$1,500 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$194 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure)
80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to $750 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure)(80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to US$97 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure))
80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to $1,150 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure)(80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to US$149 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure))
80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to $1,500 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure)(80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to US$194 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure))
—
—
Cancer-related
Reconstructive surgery for specified conditions
—
—
—
—
—
—
—
—
—
—
—
—
$200,000 per Policy Year(US$25,000 per Policy Year)
$200,000 per Policy Year(US$25,000 per Policy Year)
Cash Benefits Cash
Hospital companion bed cash benefit
—
$600 per day, maximum 180 days per Policy Year(US$78 per day, maximum 180 days per Policy Year)
$600 per day, maximum 180 days per Policy Year(US$78 per day, maximum 180 days per Policy Year)
$600 per day, maximum 180 days per Policy Year(US$78 per day, maximum 180 days per Policy Year)
$800 per day, maximum 180 days per Policy Year(US$104 per day, maximum 180 days per Policy Year)
$800 per day, maximum 180 days per Policy Year(US$104 per day, maximum 180 days per Policy Year)
$800 per day, maximum 180 days per Policy Year(US$104 per day, maximum 180 days per Policy Year)
$1,000 per day, maximum 180 days per Policy Year(US$130 per day, maximum 180 days per Policy Year)
$1,000 per day, maximum 180 days per Policy Year(US$130 per day, maximum 180 days per Policy Year)
80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to $600 per dayEffective from day 181 of confinement(80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to US$78 per dayEffective from day 181 of confinement)
80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to $800 per dayEffective from day 181 of confinement(80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to US$104 per dayEffective from day 181 of confinement)
80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to $1,000 per dayEffective from day 181 of confinement(80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to US$130 per dayEffective from day 181 of confinement)
—
—
Lower ward class cash benefit
—
—
—
—
—
—
—
—
—
—
—
—
$1,000 per day(US$125 per day)
$1,000 per day(US$125 per day)
Event Benefits Event
Compassionate death benefit
$8,000 per Policy
$8,000 per policy(US$1,033 per policy)
$8,000 per policy(US$1,033 per policy)
$8,000 per policy(US$1,033 per policy)
$20,000 per policy(US$2,581 per policy)
$20,000 per policy(US$2,581 per policy)
$20,000 per policy(US$2,581 per policy)
$40,000 per policy(US$5,162 per policy)
$40,000 per policy(US$5,162 per policy)
$8,000 per Policy(US$1,033 per Policy)
$20,000 per Policy(US$2,581 per Policy)
$40,000 per Policy(US$5,162 per Policy)
$80,000 per Policy(US$10,000 per Policy)
$80,000 per Policy(US$10,000 per Policy)
Accidental Death benefit
—
$8,000 per policy(US$1,033 per policy)
$8,000 per policy(US$1,033 per policy)
$8,000 per policy(US$1,033 per policy)
$20,000 per policy(US$2,581 per policy)
$20,000 per policy(US$2,581 per policy)
$20,000 per policy(US$2,581 per policy)
$40,000 per policy(US$5,162 per policy)
$40,000 per policy(US$5,162 per policy)
$8,000 per Policy(US$1,033 per Policy)
$20,000 per Policy(US$2,581 per Policy)
$40,000 per Policy(US$5,162 per Policy)
$80,000 per Policy(US$10,000 per Policy)
$80,000 per Policy(US$10,000 per Policy)
Medical accident and incident extension benefit
—
$88,000 per policy(US$11,355 per policy)
$88,000 per policy(US$11,355 per policy)
$88,000 per policy(US$11,355 per policy)
$176,000 per policy(US$22,710 per policy)
$176,000 per policy(US$22,710 per policy)
$176,000 per policy(US$22,710 per policy)
$344,000 per policy(US$44,388 per policy)
$344,000 per policy(US$44,388 per policy)
$88,000 per Policy(US$11,355 per Policy)
$176,000 per Policy(US$22,710 per Policy)
$344,000 per Policy(US$44,388 per Policy)
—
—
VHIS cert no.
S00026-01-000-02Benefits PDFPremiums PDF
Coverage region
Worldwide
Ward class
N/A (capped)
Lifetime benefit limit
—
Annual benefit limit
HK$420,000
Per-illness benefit limit
—
SMM Supplemental Major Medical
—
No-Claim Bonus
—
Deductible Options
—
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
(f) Surgeon's fee
—
Surgeon's fee — Minor
$5,000
Surgeon's fee — Intermediate
$12,500
Surgeon's fee — Major
$25,000
Surgeon's fee — Complex
$50,000
(g) Anaesthetist's fee
35% of Surgeon's fee payable
(h) Operating theatre charges
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
$30,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
Emergency outpatient treatment for Accident
—
Inpatient-related
Medical implants / prosthetic devices
—
Complications of pregnancy
—
Hospital companion bed fee reimbursement
—
Private nursing fee (during Confinement)
—
Outpatient-related
Post-stroke rehabilitation visits
—
Post-stroke home equipment upgrade
—
Cancer / cardiac / stroke rehabilitation benefit
—
Outpatient kidney dialysis
—
Hospice and palliative care benefit
—
Daily post-surgery home nursing benefit
—
Chinese Medicine Practitioner outpatient care
—
Post-Confinement / Day Case Procedure auxiliary therapy
—
Cancer-related
Reconstructive surgery for specified conditions
—
Cash Benefits Cash
Hospital companion bed cash benefit
—
Lower ward class cash benefit
—
Event Benefits Event
Compassionate death benefit
$8,000 per Policy
Accidental Death benefit
—
Medical accident and incident extension benefit
—
Plan 1 / 14
保誠自主醫保計劃
PRUHealth CoreChoice Medical Plan
Entry-level PickVer. Oct 1, 2025
- VHIS cert no.
- S00026-01-000-02
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $14,000 per Policy Year
- (c) 主診醫生巡房費
- $750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $4,300 per Policy Year
- (e) 深切治療
- $3,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 外科醫生費 — 複雜
- $50,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- —
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- —
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $8,000 per Policy
- 意外身故賠償
- —
- 醫療意外事故保障
- —
Plan 2 / 14
保誠靈活自主醫保計劃 - 普通病房 (港元)HKD + USD
PRUHealth FlexiChoice Medical Plan - Ward (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00013-01-000-06F00013-04-000-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,200 per day, maximum 180 days per Policy Year(US$155)
- (b) 雜項開支
- $18,000(US$2,323)
- (c) 主診醫生巡房費
- $1,000 per day, maximum 180 days per Policy Year(US$130)
- (d) 專科醫生費
- $4,300(US$555)
- (e) 深切治療
- $3,500 per day, maximum 90 days per Policy Year(US$452)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $5,000(US$646)
- 外科醫生費 — 中型
- $12,500(US$1,613)
- 外科醫生費 — 大型
- $25,000(US$3,226)
- 外科醫生費 — 複雜
- $50,000(US$6,452)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$2,581)
- (j) 訂明非手術癌症治療
- $100,000(US$12,904)
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,100, (US$142,) per visit, $4,400 (US$568) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $30,000(US$3,871)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- $90,000(US$11,613)
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $5,600 per Injury within 24 hours of the Accident(US$723)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$78)
- 出院後 / 日間手術後的中醫門診治療
- $400 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$52)
- 出院後 / 日間手術後的額外門診輔助治療
- $750 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$97)
Cash Benefits Cash
- 住院陪床
- $600 per day, maximum 180 days per Policy Year(US$78)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $8,000(US$1,033)
- 意外身故賠償
- $8,000(US$1,033)
- 醫療意外事故保障
- $88,000(US$11,355)
Plan 3 / 14
保誠靈活自主醫保計劃 - 普通病房+額外醫療計劃一 (港元)HKD + USD
PRUHealth FlexiChoice Medical Plan - Ward with SMM 1 (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00013-01-001-06F00013-04-001-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$138,000／per policy year / per disability(US$17,807／per policy year / per disability)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,200 per day, maximum 180 days per Policy Year(US$155)
- (b) 雜項開支
- $18,000(US$2,323)
- (c) 主診醫生巡房費
- $1,000 per day, maximum 180 days per Policy Year(US$130)
- (d) 專科醫生費
- $4,300(US$555)
- (e) 深切治療
- $3,500 per day, maximum 90 days per Policy Year(US$452)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $5,000(US$646)
- 外科醫生費 — 中型
- $12,500(US$1,613)
- 外科醫生費 — 大型
- $25,000(US$3,226)
- 外科醫生費 — 複雜
- $50,000(US$6,452)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$2,581)
- (j) 訂明非手術癌症治療
- $100,000(US$12,904)
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,100, (US$142,) per visit, $4,400 (US$568) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $30,000(US$3,871)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- $90,000(US$11,613)
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $5,600 per Injury within 24 hours of the Accident(US$723)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$78)
- 出院後 / 日間手術後的中醫門診治療
- $400 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$52)
- 出院後 / 日間手術後的額外門診輔助治療
- $750 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$97)
Cash Benefits Cash
- 住院陪床
- $600 per day, maximum 180 days per Policy Year(US$78)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $8,000(US$1,033)
- 意外身故賠償
- $8,000(US$1,033)
- 醫療意外事故保障
- $88,000(US$11,355)
Plan 4 / 14
保誠靈活自主醫保計劃 - 普通病房+額外醫療計劃二 (港元)HKD + USD
PRUHealth FlexiChoice Medical Plan - Ward with SMM 2 (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00013-01-002-06F00013-04-002-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$276,000／per policy year / per disability(US$35,613／per policy year / per disability)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,200 per day, maximum 180 days per Policy Year(US$155)
- (b) 雜項開支
- $18,000(US$2,323)
- (c) 主診醫生巡房費
- $1,000 per day, maximum 180 days per Policy Year(US$130)
- (d) 專科醫生費
- $4,300(US$555)
- (e) 深切治療
- $3,500 per day, maximum 90 days per Policy Year(US$452)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $5,000(US$646)
- 外科醫生費 — 中型
- $12,500(US$1,613)
- 外科醫生費 — 大型
- $25,000(US$3,226)
- 外科醫生費 — 複雜
- $50,000(US$6,452)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$2,581)
- (j) 訂明非手術癌症治療
- $100,000(US$12,904)
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,100, (US$142,) per visit, $4,400 (US$568) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $30,000(US$3,871)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- $90,000(US$11,613)
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $5,600 per Injury within 24 hours of the Accident(US$723)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$78)
- 出院後 / 日間手術後的中醫門診治療
- $400 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$52)
- 出院後 / 日間手術後的額外門診輔助治療
- $750 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$97)
Cash Benefits Cash
- 住院陪床
- $600 per day, maximum 180 days per Policy Year(US$78)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $8,000(US$1,033)
- 意外身故賠償
- $8,000(US$1,033)
- 醫療意外事故保障
- $88,000(US$11,355)
Plan 5 / 14
保誠靈活自主醫保計劃 - 半私家病房 (港元)HKD + USD
PRUHealth FlexiChoice Medical Plan - Semi-private Room (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00013-02-000-06F00013-05-000-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $2,500 per day, maximum 180 days per Policy Year(US$323)
- (b) 雜項開支
- $26,000(US$3,355)
- (c) 主診醫生巡房費
- $2,200 per day, maximum 180 days per Policy Year(US$284)
- (d) 專科醫生費
- $6,600(US$852)
- (e) 深切治療
- $6,200 per day, maximum 90 days per Policy Year(US$800)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $7,500(US$968)
- 外科醫生費 — 中型
- $18,750(US$2,420)
- 外科醫生費 — 大型
- $37,500(US$4,839)
- 外科醫生費 — 複雜
- $75,000(US$9,678)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $30,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$3,871)
- (j) 訂明非手術癌症治療
- $150,000(US$19,355)
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,400, (US$181,) per visit, $5,600 (US$723) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $35,000(US$4,517)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- $135,000(US$17,420)
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $9,600 per Injury within 24 hours of the Accident(US$1,239)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $960 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$124)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$78)
- 出院後 / 日間手術後的額外門診輔助治療
- $1,150 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$149)
Cash Benefits Cash
- 住院陪床
- $800 per day, maximum 180 days per Policy Year(US$104)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $20,000(US$2,581)
- 意外身故賠償
- $20,000(US$2,581)
- 醫療意外事故保障
- $176,000(US$22,710)
Plan 6 / 14
保誠靈活自主醫保計劃 - 半私家病房+額外醫療計劃一 (港元)HKD + USD
PRUHealth FlexiChoice Medical Plan - Semi-private Room with SMM 1 (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00013-02-001-06F00013-05-001-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$276,000／per policy year / per disability(US$35,613／per policy year / per disability)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $2,500 per day, maximum 180 days per Policy Year(US$323)
- (b) 雜項開支
- $26,000(US$3,355)
- (c) 主診醫生巡房費
- $2,200 per day, maximum 180 days per Policy Year(US$284)
- (d) 專科醫生費
- $6,600(US$852)
- (e) 深切治療
- $6,200 per day, maximum 90 days per Policy Year(US$800)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $7,500(US$968)
- 外科醫生費 — 中型
- $18,750(US$2,420)
- 外科醫生費 — 大型
- $37,500(US$4,839)
- 外科醫生費 — 複雜
- $75,000(US$9,678)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $30,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$3,871)
- (j) 訂明非手術癌症治療
- $150,000(US$19,355)
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,400, (US$181,) per visit, $5,600 (US$723) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $35,000(US$4,517)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- $135,000(US$17,420)
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $9,600 per Injury within 24 hours of the Accident(US$1,239)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $960 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$124)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$78)
- 出院後 / 日間手術後的額外門診輔助治療
- $1,150 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$149)
Cash Benefits Cash
- 住院陪床
- $800 per day, maximum 180 days per Policy Year(US$104)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $20,000(US$2,581)
- 意外身故賠償
- $20,000(US$2,581)
- 醫療意外事故保障
- $176,000(US$22,710)
Plan 7 / 14
保誠靈活自主醫保計劃 - 半私家病房+額外醫療計劃二 (港元)HKD + USD
PRUHealth FlexiChoice Medical Plan - Semi-private Room with SMM 2 (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00013-02-002-06F00013-05-002-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$414,000／per policy year / per disability(US$53,420／per policy year / per disability)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $2,500 per day, maximum 180 days per Policy Year(US$323)
- (b) 雜項開支
- $26,000(US$3,355)
- (c) 主診醫生巡房費
- $2,200 per day, maximum 180 days per Policy Year(US$284)
- (d) 專科醫生費
- $6,600(US$852)
- (e) 深切治療
- $6,200 per day, maximum 90 days per Policy Year(US$800)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $7,500(US$968)
- 外科醫生費 — 中型
- $18,750(US$2,420)
- 外科醫生費 — 大型
- $37,500(US$4,839)
- 外科醫生費 — 複雜
- $75,000(US$9,678)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $30,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$3,871)
- (j) 訂明非手術癌症治療
- $150,000(US$19,355)
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,400, (US$181,) per visit, $5,600 (US$723) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $35,000(US$4,517)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- $135,000(US$17,420)
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $9,600 per Injury within 24 hours of the Accident(US$1,239)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $960 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$124)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$78)
- 出院後 / 日間手術後的額外門診輔助治療
- $1,150 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$149)
Cash Benefits Cash
- 住院陪床
- $800 per day, maximum 180 days per Policy Year(US$104)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $20,000(US$2,581)
- 意外身故賠償
- $20,000(US$2,581)
- 醫療意外事故保障
- $176,000(US$22,710)
Plan 8 / 14
保誠靈活自主醫保計劃 - 私家病房 (港元)HKD + USD
PRUHealth FlexiChoice Medical Plan - Private Room (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00013-03-000-06F00013-06-000-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,500 per day, maximum 180 days per Policy Year(US$581)
- (b) 雜項開支
- $36,000(US$4,646)
- (c) 主診醫生巡房費
- $4,000 per day, maximum 180 days per Policy Year(US$517)
- (d) 專科醫生費
- $12,280(US$1,585)
- (e) 深切治療
- $9,600 per day, maximum 90 days per Policy Year(US$1,239)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $11,000(US$1,420)
- 外科醫生費 — 中型
- $27,500(US$3,549)
- 外科醫生費 — 大型
- $55,000(US$7,097)
- 外科醫生費 — 複雜
- $110,000(US$14,194)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $40,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$5,162)
- (j) 訂明非手術癌症治療
- $225,000(US$29,033)
- (k) 入院前或出院後／日間手術前後的門診護理
- $2,000, (US$259,) per visit, $8,000 (US$1,033) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $40,000(US$5,162)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- $200,000(US$25,807)
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $13,600 per Injury within 24 hours of the Accident(US$1,755)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $1,360 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$176)
- 出院後 / 日間手術後的中醫門診治療
- $800 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$104)
- 出院後 / 日間手術後的額外門診輔助治療
- $1,500 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$194)
Cash Benefits Cash
- 住院陪床
- $1,000 per day, maximum 180 days per Policy Year(US$130)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $40,000(US$5,162)
- 意外身故賠償
- $40,000(US$5,162)
- 醫療意外事故保障
- $344,000(US$44,388)
Plan 9 / 14
保誠靈活自主醫保計劃 - 私家病房+額外醫療計劃 (港元)HKD + USD
PRUHealth FlexiChoice Medical Plan - Private Room with SMM (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00013-03-001-06F00013-06-001-06
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$552,000／per policy year / per disability(US$71,226／per policy year / per disability)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,500 per day, maximum 180 days per Policy Year(US$581)
- (b) 雜項開支
- $36,000(US$4,646)
- (c) 主診醫生巡房費
- $4,000 per day, maximum 180 days per Policy Year(US$517)
- (d) 專科醫生費
- $12,280(US$1,585)
- (e) 深切治療
- $9,600 per day, maximum 90 days per Policy Year(US$1,239)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $11,000(US$1,420)
- 外科醫生費 — 中型
- $27,500(US$3,549)
- 外科醫生費 — 大型
- $55,000(US$7,097)
- 外科醫生費 — 複雜
- $110,000(US$14,194)
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $40,000 per Policy Year. Subject to 30% Coinsurance (if the conditions stated in the Supplementary Document — Benefit Schedule Section 3 are fully met, Coinsurance is 0%)(US$5,162)
- (j) 訂明非手術癌症治療
- $225,000(US$29,033)
- (k) 入院前或出院後／日間手術前後的門診護理
- $2,000, (US$259,) per visit, $8,000 (US$1,033) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $40,000(US$5,162)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- $200,000(US$25,807)
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $13,600 per Injury within 24 hours of the Accident(US$1,755)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- $1,360 per visit, maximum 15 visits per Policy Year (1 per day)• Within 31 days after discharge from Hospital or completion of Day Case Procedure(US$176)
- 出院後 / 日間手術後的中醫門診治療
- $800 per visit, maximum 15 visits per Policy Year (1 per day)• Within 90 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments(US$104)
- 出院後 / 日間手術後的額外門診輔助治療
- $1,500 per visit, maximum 10 visits per Policy Year• Up to 1 prior treatment per Confinement/Day Case Procedure• Treatments within 90 days after discharge from Hospital or completion of Day Case Procedure(US$194)
Cash Benefits Cash
- 住院陪床
- $1,000 per day, maximum 180 days per Policy Year(US$130)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $40,000(US$5,162)
- 意外身故賠償
- $40,000(US$5,162)
- 醫療意外事故保障
- $344,000(US$44,388)
Plan 10 / 14
保誠自願醫保摯稱心計劃 - 普通病房+額外醫療計劃 (港元)HKD + USD
PRUHealth VHIS EasyChoice Plan - Ward with SMM (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00068-01-000-01F00068-04-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- Full coverage
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,100 per day, maximum 180 days per Policy Year(US$142)
- (b) 雜項開支
- $16,000(US$2,065)
- (c) 主診醫生巡房費
- $960 per day, maximum 180 days per Policy Year(US$124)
- (d) 專科醫生費
- $4,300(US$555)
- (e) 深切治療
- $3,500 per day, maximum 90 days per Policy Year(US$452)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HKD$646 - $5,000USDUS$646
- 外科醫生費 — 中型
- HKD$1,613 - $12,500USDUS$1,613
- 外科醫生費 — 大型
- HKD$3,226 - $25,000USDUS$3,226
- 外科醫生費 — 複雜
- HKD$6,452 - $50,000USDUS$6,452
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%)(US$2,581)
- (j) 訂明非手術癌症治療
- $80,000(US$10,323)
- (k) 入院前或出院後／日間手術前後的門診護理
- $750, (US$97,) per visit, $3,000 (US$388) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $30,000(US$3,871)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $1,755(US$1,755)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- 80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $500 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure)(US$65)
- 出院後 / 日間手術後的中醫門診治療
- 80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $400 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment)(US$52)
- 出院後 / 日間手術後的額外門診輔助治療
- 80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to $750 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure)(US$97)
Cash Benefits Cash
- 住院陪床
- 80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to $600 per dayEffective from day 181 of confinement(US$78)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $8,000(US$1,033)
- 意外身故賠償
- $8,000(US$1,033)
- 醫療意外事故保障
- $88,000(US$11,355)
Plan 11 / 14
保誠自願醫保摯稱心計劃 - 半私家病房+額外醫療計劃 (港元)HKD + USD
PRUHealth VHIS EasyChoice Plan - Semi-private Room with SMM (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00068-02-000-01F00068-05-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- Full coverage
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $2,200 per day, maximum 180 days per Policy Year(US$284)
- (b) 雜項開支
- $24,000(US$3,097)
- (c) 主診醫生巡房費
- $2,000 per day, maximum 180 days per Policy Year(US$259)
- (d) 專科醫生費
- $6,600(US$852)
- (e) 深切治療
- $6,200 per day, maximum 90 days per Policy Year(US$800)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HKD$968 - $7,500USDUS$968
- 外科醫生費 — 中型
- HKD$2,420 - $18,750USDUS$2,420
- 外科醫生費 — 大型
- HKD$4,839 - $37,500USDUS$4,839
- 外科醫生費 — 複雜
- HKD$9,678 - $75,000USDUS$9,678
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $30,000 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%)(US$3,871)
- (j) 訂明非手術癌症治療
- $120,000(US$15,484)
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,150, (US$149,) per visit, $4,600 (US$594) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $35,000(US$4,517)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $1,755(US$1,755)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- 80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $860 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure)(US$111)
- 出院後 / 日間手術後的中醫門診治療
- 80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $600 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment)(US$78)
- 出院後 / 日間手術後的額外門診輔助治療
- 80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to $1,150 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure)(US$149)
Cash Benefits Cash
- 住院陪床
- 80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to $800 per dayEffective from day 181 of confinement(US$104)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $20,000(US$2,581)
- 意外身故賠償
- $20,000(US$2,581)
- 醫療意外事故保障
- $176,000(US$22,710)
Plan 12 / 14
保誠自願醫保摯稱心計劃 - 私家病房+額外醫療計劃 (港元)HKD + USD
PRUHealth VHIS EasyChoice Plan - Private Room with SMM (HKD)
Step UpVer. Oct 1, 2025
- VHIS cert no.
- F00068-03-000-01F00068-06-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- Full coverage
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,000 per day, maximum 180 days per Policy Year(US$517)
- (b) 雜項開支
- $35,000(US$4,516)
- (c) 主診醫生巡房費
- $3,800 per day, maximum 180 days per Policy Year(US$491)
- (d) 專科醫生費
- $12,280(US$1,585)
- (e) 深切治療
- $9,600 per day, maximum 90 days per Policy Year(US$1,239)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HKD$1,420 - $11,000USDUS$1,420
- 外科醫生費 — 中型
- HKD$3,549 - $27,500USDUS$3,549
- 外科醫生費 — 大型
- HKD$7,097 - $55,000USDUS$7,097
- 外科醫生費 — 複雜
- HKD$14,194 - $110,000USDUS$14,194
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $40,000 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%)(US$5,162)
- (j) 訂明非手術癌症治療
- $160,000(US$20,646)
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,500, (US$194,) per visit, $6,000 (US$775) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
- (l) 精神科治療
- $40,000(US$5,162)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $1,755(US$1,755)
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- 80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $1,260 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure)(US$163)
- 出院後 / 日間手術後的中醫門診治療
- 80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $800 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment)(US$104)
- 出院後 / 日間手術後的額外門診輔助治療
- 80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to $1,500 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure)(US$194)
Cash Benefits Cash
- 住院陪床
- 80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to $1,000 per dayEffective from day 181 of confinement(US$130)
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $40,000(US$5,162)
- 意外身故賠償
- $40,000(US$5,162)
- 醫療意外事故保障
- $344,000(US$44,388)
Plan 13 / 14
保誠自願醫保尚賓計劃 (亞洲)HKD + USD
PRUHealth VHIS VIP Plan
High-endVer. Oct 1, 2025
- VHIS cert no.
- F00050-01-000-04F00050-02-000-04F00050-03-000-04F00050-07-000-01F00050-04-000-04F00050-05-000-04F00050-06-000-04F00050-08-000-01
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$12,000,000(US$1,500,000)
- Lifetime benefit limit
- HK$56,000,000(US$7,000,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $20K / $50K / $96KUSDUS$0 / US$2,500 / US$6,250 / US$12K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement of Eligible Expenses; Coinsurance: 0%
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major in the Schedule of Surgical Procedures
- (l) 精神科治療
- Full reimbursement
Extra Benefits Extra
- 指定重建手術保障
- $200,000(US$25,000)
- 中風復康治療
- $1,000 (US$125) per visit, max 15 visits per Policy Year (up to 1 per covered modality per day), aggregate max $45,000 (US$5,625) per Accident
- 中風家居設備提升
- $50,000(US$6,250)
- 復康保障
- $80,000 per Policy Year• Maximum 60 days per Policy Year• Admission to rehabilitation centre within 90 days after discharge(US$10,000)
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $250,000 per Policy Year(US$31,250)
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 2 weeks of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses• Maximum 30 days per Policy Year (up to 2 sessions per day)
- 善終服務
- $60,000(US$7,500)
- 家中看護
- $1,600 per day• Maximum 30 days per Policy Year (up to 2 sessions per day)• Within the post-discharge window after Confinement or Day Case Procedure(US$200)
- 出院後 / 日間手術後的中醫門診治療
- $30,000 (US$3,750) per Policy Year• $400 (US$50) per day during Confinement• $600 (US$75) per visit for treatments within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 treatment per day)
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- —
- 次級病房級別現金惠益
- $1,000(US$125)
Event Benefits Event
- 恩恤身故賠償
- $80,000(US$10,000)
- 意外身故賠償
- $80,000(US$10,000)
- 醫療意外事故保障
- —
Plan 14 / 14
保誠自願醫保尚賓計劃 - 全球 (美國除外)HKD + USD
PRUHealth VHIS VIP Plan
High-endVer. Oct 1, 2025
- VHIS cert no.
- F00050-09-000-01F00050-10-000-01F00050-11-000-01F00050-12-000-01F00050-13-000-01F00050-14-000-01F00050-15-000-01F00050-16-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$12,000,000(US$1,500,000)
- Lifetime benefit limit
- HK$56,000,000(US$7,000,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $20K / $50K / $96KUSDUS$0 / US$2,500 / US$6,250 / US$12K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement of Eligible Expenses; Coinsurance: 0%
- (j) 訂明非手術癌症治療
- Full reimbursement
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major in the Schedule of Surgical Procedures
- (l) 精神科治療
- Full reimbursement
Extra Benefits Extra
- 指定重建手術保障
- $200,000(US$25,000)
- 中風復康治療
- $1,000 (US$125) per visit, max 15 visits per Policy Year (up to 1 per covered modality per day), aggregate max $45,000 (US$5,625) per Accident
- 中風家居設備提升
- $50,000(US$6,250)
- 復康保障
- $80,000 per Policy Year• Maximum 60 days per Policy Year• Admission to rehabilitation centre within 90 days after discharge(US$10,000)
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $250,000 per Policy Year(US$31,250)
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 2 weeks of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses• Maximum 30 days per Policy Year (up to 2 sessions per day)
- 善終服務
- $60,000(US$7,500)
- 家中看護
- $1,600 per day• Maximum 30 days per Policy Year (up to 2 sessions per day)• Within the post-discharge window after Confinement or Day Case Procedure(US$200)
- 出院後 / 日間手術後的中醫門診治療
- $30,000 (US$3,750) per Policy Year• $400 (US$50) per day during Confinement• $600 (US$75) per visit for treatments within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 treatment per day)
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 住院陪床
- —
- 次級病房級別現金惠益
- $1,000(US$125)
Event Benefits Event
- 恩恤身故賠償
- $80,000(US$10,000)
- 意外身故賠償
- $80,000(US$10,000)
- 醫療意外事故保障
- —