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VHIS Flexi · F00013-02-000-06

PRUHealth FlexiChoice Medical Plan - Semi-private Room (HKD)

保誠靈活自主醫保計劃 - 半私家病房 (港元)

Prudential Hong Kong Limited

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Your premium

HK$6,762 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

—

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$2,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$26,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,200 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,600 per Policy Year
(e) Intensive care (e) 深切治療	$6,200 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$7,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$18,750
Surgeon's fee — Major 外科醫生費 — 大型	$37,500
Surgeon's fee — Complex 外科醫生費 — 複雜	$75,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (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%)
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$150,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (k) 入院前或出院後／日間手術前後的門診護理	$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
(l) Psychiatric treatments (l) 精神科治療	$35,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 手術後家中護理	$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
Outpatient kidney dialysis 透析治療	$135,000 per Policy Year
Emergency outpatient treatment for Accident 意外門診治療	$9,600 per Injury within 24 hours of the Accident
Post-Confinement / Day Case Procedure auxiliary therapy 輔助服務（物理治療 (2) / 職業治療 (2) / 言語治療 (2) / 脊椎治療）	$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
Chinese Medicine Practitioner outpatient care 中醫指定癌症治療	$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
Complications of pregnancy 妊娠期併發症	Payable up to the relevant benefit limits under benefit items I (a) – I (i), I (k), II (a) and II (b)
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$800 per day, maximum 180 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故保障	$20,000 per policy
Accidental Death benefit 意外身故保障	$20,000 per policy
Medical accident and incident extension benefit 醫療意外及事故保障	$176,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$26,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,200 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,600 per Policy Year
(e) Intensive care
(e) 深切治療
$6,200 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$7,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$18,750
Surgeon's fee — Major
外科醫生費 — 大型
$37,500
Surgeon's fee — Complex
外科醫生費 — 複雜
$75,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(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%)
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$150,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(k) 入院前或出院後／日間手術前後的門診護理
$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
(l) Psychiatric treatments
(l) 精神科治療
$35,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
手術後家中護理
$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
Outpatient kidney dialysis
透析治療
$135,000 per Policy Year
Emergency outpatient treatment for Accident
意外門診治療
$9,600 per Injury within 24 hours of the Accident
Post-Confinement / Day Case Procedure auxiliary therapy
輔助服務（物理治療 (2) / 職業治療 (2) / 言語治療 (2) / 脊椎治療）
$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
Chinese Medicine Practitioner outpatient care
中醫指定癌症治療
$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
Complications of pregnancy
妊娠期併發症
Payable up to the relevant benefit limits under benefit items I (a) – I (i), I (k), II (a) and II (b)

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$800 per day, maximum 180 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故保障
$20,000 per policy
Accidental Death benefit
意外身故保障
$20,000 per policy
Medical accident and incident extension benefit
醫療意外及事故保障
$176,000 per policy

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Deposited to premium savings account

15% (savings account)

Discount schedule

Consecutive claim-free years	Discount
3 yrs	15%

Claims that do NOT break the streak

指定日間手術
由網絡醫療服務提供者提供的任何日間手術

Verbatim clause

無索償折扣 1. 在符合以下條件後的每個續保日，本公司將把無索償折扣存放於保單下的保費儲蓄戶口中，自動並僅作為支付本保誠靈活自主醫保計劃日後保費之用，並且不能從戶口中提取：(i) 當本條款及保障在相關續保日之過去連續三十六(36)個月內（「有關期間」）一直有效及生效；及 (ii) 當於該相同的有關期間內，本條款及保障並未有任何已付的賠償。儘管以上(ii)所述，受保人於有關期間接受(1)任何指定日間手術或(2)由網絡醫療服務提供者提供的任何日間手術，因而產生有任何按本條款及保障第六部分第3(a)、3(b)、3(f)、3(g)、3(h)或3(k)節及與其於本補充文件第11節（如適用）相應之保障項目已付的賠償，均不會影響無索償折扣的資格。無索償折扣是相等於在緊接相關續保日前一年在本保誠靈活自主醫保計劃及額外醫療計劃（如適用）下所支付的總保費（包括標準保費及附加保費（如適用））之15%。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00013/F00013-01-000-06-PlanDoc-c.pdf

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$9,759	HK$8,606
1	HK$9,517	HK$8,432
2	HK$9,022	HK$7,948
3	HK$8,410	HK$7,366
4	HK$7,597	HK$6,659
5	HK$6,838	HK$5,927
6	HK$6,154	HK$5,276
7	HK$5,663	HK$4,854
8	HK$5,210	HK$4,612
9	HK$5,102	HK$4,459
10	HK$5,096	HK$4,454
11	HK$5,090	HK$4,449
12	HK$5,084	HK$4,444
13	HK$5,078	HK$4,439
14	HK$5,073	HK$4,434
15	HK$5,214	HK$4,618
16	HK$5,359	HK$4,810
17	HK$5,509	HK$5,011
18	HK$5,663	HK$5,219
19	HK$5,820	HK$5,436
20	HK$5,892	HK$5,689
21	HK$5,965	HK$5,953
22	HK$6,039	HK$6,230
23	HK$6,114	HK$6,520
24	HK$6,189	HK$6,823
25	HK$6,266	HK$7,140
26	HK$6,343	HK$7,472
27	HK$6,421	HK$7,819
28	HK$6,501	HK$8,183
29	HK$6,581	HK$8,564
30	HK$6,762	HK$8,843
31	HK$6,947	HK$9,132
32	HK$7,137	HK$9,430
33	HK$7,333	HK$9,738
34	HK$7,534	HK$10,055
35	HK$7,741	HK$10,384
36	HK$7,953	HK$10,723
37	HK$8,171	HK$11,073
38	HK$8,395	HK$11,434
39	HK$8,626	HK$11,807
40	HK$9,048	HK$12,274
41	HK$9,490	HK$12,760
42	HK$9,955	HK$13,264
43	HK$10,442	HK$13,789
44	HK$10,953	HK$14,334
45	HK$11,489	HK$14,901
46	HK$12,052	HK$15,490
47	HK$12,642	HK$16,103
48	HK$13,260	HK$16,740
49	HK$13,910	HK$17,402
50	HK$14,603	HK$17,872
51	HK$15,332	HK$18,356
52	HK$16,097	HK$18,852
53	HK$16,900	HK$19,362
54	HK$17,743	HK$19,886
55	HK$18,628	HK$20,424
56	HK$19,558	HK$20,976
57	HK$20,533	HK$21,544
58	HK$21,558	HK$22,126
59	HK$22,633	HK$22,725
60	HK$24,602	HK$24,263
61	HK$26,742	HK$25,906
62	HK$29,069	HK$27,660
63	HK$31,597	HK$29,532
64	HK$34,346	HK$31,532
65	HK$36,247	HK$33,140
66	HK$38,254	HK$34,830
67	HK$40,372	HK$36,607
68	HK$42,607	HK$38,474
69	HK$44,966	HK$40,436
70	HK$46,883	HK$42,132
71	HK$48,882	HK$43,900
72	HK$50,966	HK$45,741
73	HK$53,139	HK$47,660
74	HK$55,405	HK$49,659
75	HK$57,435	HK$51,582
76	HK$59,474	HK$52,916
77	HK$61,514	HK$54,896
78	HK$63,524	HK$56,908
79	HK$66,140	HK$58,915
80	HK$67,517	HK$60,133
81	HK$68,888	HK$61,346
82	HK$70,257	HK$62,552
83	HK$71,619	HK$63,392
84	HK$72,977	HK$64,586
85	HK$74,333	HK$65,780
86	HK$75,597	HK$66,899
87	HK$76,882	HK$68,036
88	HK$77,881	HK$68,920
89	HK$78,893	HK$69,816
90	HK$79,682	HK$70,514
91	HK$80,320	HK$71,069
92	HK$80,963	HK$71,341
93	HK$81,281	HK$71,606
94	HK$81,604	HK$71,872
95	HK$81,922	HK$72,139
96	HK$82,239	HK$72,400
97	HK$82,558	HK$72,663
98	HK$82,860	HK$72,914
99	HK$83,164	HK$73,166
100	HK$83,468	HK$73,419
101	HK$83,774	HK$73,673
102	HK$84,081	HK$73,928
103	HK$84,389	HK$74,184
104	HK$84,698	HK$74,440
105	HK$85,008	HK$74,698
106	HK$85,320	HK$74,956
107	HK$85,632	HK$75,215
108	HK$85,946	HK$75,476
109	HK$86,261	HK$75,737
110	HK$86,577	HK$75,999
111	HK$86,894	HK$76,262
112	HK$87,212	HK$76,525
113	HK$87,531	HK$76,790
114	HK$87,852	HK$77,056
115	HK$88,174	HK$77,322
116	HK$88,497	HK$77,590
117	HK$88,821	HK$77,858
118	HK$89,146	HK$78,127
119	HK$89,473	HK$78,398
120	HK$89,801	HK$78,669

Other deductible options in this series

16 deductibles — same benefit schedule, premium scales with deductible

Ward (HKD)

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Ward with SMM 1 (HKD)

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Ward with SMM 2 (HKD)

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Semi-private Room (HKD)

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Semi-private Room with SMM 1 (HKD)

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Semi-private Room with SMM 2 (HKD)

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Private Room (HKD)

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Private Room with SMM (HKD)

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Ward (USD)

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Ward with SMM 1 (USD)

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Ward with SMM 2 (USD)

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Semi-private Room (USD)

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Semi-private Room with SMM 1 (USD)

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Semi-private Room with SMM 2 (USD)

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Private Room (USD)

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Private Room with SMM (USD)

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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Oct 1, 2025
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.