PRUHealth FlexiChoice Medical Plan is a VHIS Flexi plan offered by Prudential Hong Kong Limited, with no ward-class restriction, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Oct 1, 2026.
01 · Plan options
16 options — premiums differ; deductible, ward class or cover may also differPlan option
Ward (HKD)
Entry premium (Age 30 male non-smoker)
HK$3,348 /yr
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Plan option
Ward with SMM 1 (HKD)
Entry premium (Age 30 male non-smoker)
HK$5,656 /yr
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Plan option
Ward with SMM 2 (HKD)
Entry premium (Age 30 male non-smoker)
HK$6,786 /yr
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Plan option
Semi-private Room (HKD)
Entry premium (Age 30 male non-smoker)
HK$7,100 /yr
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Plan option
Semi-private Room with SMM 1 (HKD)
Entry premium (Age 30 male non-smoker)
HK$10,213 /yr
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Plan option
Semi-private Room with SMM 2 (HKD)
Entry premium (Age 30 male non-smoker)
HK$11,744 /yr
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Plan option
Private Room (HKD)
Entry premium (Age 30 male non-smoker)
HK$12,779 /yr
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Plan option
Private Room with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$19,925 /yr
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Plan option
Ward (USD)
Entry premium (Age 30 male non-smoker)
US$431.97/yr
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Plan option
Ward with SMM 1 (USD)
Entry premium (Age 30 male non-smoker)
US$729.84/yr
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Plan option
Ward with SMM 2 (USD)
Entry premium (Age 30 male non-smoker)
US$875.6/yr
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Plan option
Semi-private Room (USD)
Entry premium (Age 30 male non-smoker)
US$916.18/yr
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Plan option
Semi-private Room with SMM 1 (USD)
Entry premium (Age 30 male non-smoker)
US$1,317.81/yr
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Plan option
Semi-private Room with SMM 2 (USD)
Entry premium (Age 30 male non-smoker)
US$1,515.32/yr
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Plan option
Private Room (USD)
Entry premium (Age 30 male non-smoker)
US$1,648.93/yr
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Plan option
Private Room with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$2,571.01/yr
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02 · Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Ward (HKD) | HK$5,366 | HK$2,724 | HK$2,883 | HK$3,348 | HK$4,935 | HK$7,734 | HK$12,823 | HK$23,263 | HK$33,561 |
| Ward with SMM 1 (HKD) | HK$7,742 | HK$4,280 | HK$4,761 | HK$5,656 | HK$7,856 | HK$12,834 | HK$20,687 | HK$36,204 | HK$53,895 |
| Ward with SMM 2 (HKD) | HK$9,289 | HK$5,135 | HK$5,711 | HK$6,786 | HK$9,426 | HK$15,399 | HK$24,822 | HK$43,443 | HK$64,672 |
| Semi-private Room (HKD) | HK$10,248 | HK$5,351 | HK$6,188 | HK$7,100 | HK$9,501 | HK$15,334 | HK$25,833 | HK$49,228 | HK$70,894 |
| Semi-private Room with SMM 1 (HKD) | HK$12,859 | HK$7,994 | HK$8,792 | HK$10,213 | HK$14,066 | HK$23,531 | HK$38,740 | HK$69,198 | HK$100,746 |
| Semi-private Room with SMM 2 (HKD) | HK$14,787 | HK$9,192 | HK$10,110 | HK$11,744 | HK$16,174 | HK$27,059 | HK$44,549 | HK$79,576 | HK$115,856 |
| Private Room (HKD) | HK$20,158 | HK$9,587 | HK$11,333 | HK$12,779 | HK$17,491 | HK$28,361 | HK$47,804 | HK$86,894 | HK$127,961 |
| Private Room with SMM (HKD) | HK$26,125 | HK$13,665 | HK$14,736 | HK$19,925 | HK$27,835 | HK$42,589 | HK$70,651 | HK$131,928 | HK$185,985 |
| Ward (USD) | US$692.35 | US$351.45 | US$372.01 | US$431.97 | US$636.79 | US$997.88 | US$1,654.57 | US$3,001.69 | US$4,330.49 |
| Ward with SMM 1 (USD) | US$999.02 | US$552.29 | US$614.26 | US$729.84 | US$1,013.73 | US$1,656 | US$2,669.27 | US$4,671.5 | US$6,954.13 |
| Ward with SMM 2 (USD) | US$1,198.6 | US$662.54 | US$736.88 | US$875.6 | US$1,216.27 | US$1,986.97 | US$3,202.9 | US$5,605.58 | US$8,344.72 |
| Semi-private Room (USD) | US$1,322.26 | US$690.5 | US$798.44 | US$916.18 | US$1,225.9 | US$1,978.64 | US$3,333.29 | US$6,352 | US$9,147.57 |
| Semi-private Room with SMM 1 (USD) | US$1,659.27 | US$1,031.47 | US$1,134.47 | US$1,317.81 | US$1,814.92 | US$3,036.23 | US$4,998.67 | US$8,928.73 | US$12,999.47 |
| Semi-private Room with SMM 2 (USD) | US$1,908 | US$1,186.03 | US$1,304.48 | US$1,515.32 | US$2,086.99 | US$3,491.48 | US$5,748.29 | US$10,267.86 | US$14,949.21 |
| Private Room (USD) | US$2,600.99 | US$1,237.04 | US$1,462.27 | US$1,648.93 | US$2,256.96 | US$3,659.49 | US$6,168.3 | US$11,212.09 | US$16,511.06 |
| Private Room with SMM (USD) | US$3,370.99 | US$1,763.25 | US$1,901.4 | US$2,571.01 | US$3,591.57 | US$5,495.41 | US$9,116.2 | US$17,023.03 | US$23,998.06 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Ward (HKD) | HK$5,005 | HK$2,429 | HK$3,047 | HK$4,515 | HK$6,295 | HK$9,367 | HK$12,447 | HK$21,223 | HK$30,361 |
| Ward with SMM 1 (HKD) | HK$6,818 | HK$3,576 | HK$4,364 | HK$7,521 | HK$10,568 | HK$14,621 | HK$19,638 | HK$32,758 | HK$48,155 |
| Ward with SMM 2 (HKD) | HK$8,180 | HK$4,290 | HK$5,235 | HK$9,023 | HK$12,680 | HK$17,543 | HK$23,564 | HK$39,308 | HK$57,785 |
| Semi-private Room (HKD) | HK$9,037 | HK$4,678 | HK$5,974 | HK$9,286 | HK$12,889 | HK$18,767 | HK$25,477 | HK$44,240 | HK$63,140 |
| Semi-private Room with SMM 1 (HKD) | HK$11,087 | HK$6,150 | HK$7,917 | HK$13,636 | HK$17,445 | HK$26,993 | HK$36,060 | HK$62,042 | HK$89,081 |
| Semi-private Room with SMM 2 (HKD) | HK$12,749 | HK$7,072 | HK$9,104 | HK$15,680 | HK$20,060 | HK$31,041 | HK$41,467 | HK$71,347 | HK$102,442 |
| Private Room (HKD) | HK$18,535 | HK$9,051 | HK$11,101 | HK$16,374 | HK$22,829 | HK$33,252 | HK$46,212 | HK$83,169 | HK$122,852 |
| Private Room with SMM (HKD) | HK$22,537 | HK$11,618 | HK$13,714 | HK$23,305 | HK$33,191 | HK$47,190 | HK$64,020 | HK$112,382 | HK$164,882 |
| Ward (USD) | US$645.79 | US$313.43 | US$393.22 | US$582.55 | US$812.24 | US$1,208.65 | US$1,606.04 | US$2,738.51 | US$3,917.5 |
| Ward with SMM 1 (USD) | US$879.77 | US$461.45 | US$563.09 | US$970.44 | US$1,363.59 | US$1,886.56 | US$2,533.96 | US$4,226.86 | US$6,213.6 |
| Ward with SMM 2 (USD) | US$1,055.51 | US$553.51 | US$675.49 | US$1,164.3 | US$1,636.09 | US$2,263.65 | US$3,040.54 | US$5,072.01 | US$7,456.11 |
| Semi-private Room (USD) | US$1,166.02 | US$603.57 | US$770.83 | US$1,198.2 | US$1,663.09 | US$2,421.52 | US$3,287.38 | US$5,708.37 | US$8,147.14 |
| Semi-private Room with SMM 1 (USD) | US$1,430.58 | US$793.58 | US$1,021.59 | US$1,759.42 | US$2,250.99 | US$3,482.99 | US$4,652.86 | US$8,005.42 | US$11,494.28 |
| Semi-private Room with SMM 2 (USD) | US$1,645 | US$912.48 | US$1,174.65 | US$2,023.18 | US$2,588.45 | US$4,005.26 | US$5,350.64 | US$9,206.05 | US$13,218.26 |
| Private Room (USD) | US$2,391.67 | US$1,167.83 | US$1,432.39 | US$2,112.79 | US$2,945.63 | US$4,290.57 | US$5,962.9 | US$10,731.43 | US$15,851.88 |
| Private Room with SMM (USD) | US$2,908 | US$1,499.07 | US$1,769.57 | US$3,007.04 | US$4,282.74 | US$6,089.02 | US$8,260.64 | US$14,500.88 | US$21,275.04 |
How to apply for this plan
This plan is offered by Prudential Hong Kong Limited. To apply, contact Prudential Hong Kong Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
This site's licensed insurance agent can only arrange FWD plans.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Oct 1, 2026
- Plan data updated
- 2026-10-05