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VHIS FlexiF00013-02-000-06

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)

PRUHealth FlexiChoice Medical Plan - Semi-private Room (HKD) 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 at a glance

Quote a premium by age, gender and smoking status

Your premium

HK$7,100 /yr

age

Ward class

No ward-class restriction

Coverage region

Worldwide (including United States)

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	每日$2,500 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	每保單年度 $26,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日$2,200 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	每保單年度 $6,600
(e) Intensive care (e) 深切治療	每日$6,200 每保單年度最多90日
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	外科醫生費的35%
(h) Operating theatre charges (h) 手術室費	外科醫生費的35%
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	每保單年度 $30,000 設30% 共同保險（如補充文件 — 保障第3節所述之條件已完全符合，共同保險則為0%）
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	每保單年度 $150,000
(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	每次$1,400，每保單年度 $5,600住院 / 日間手術前最多1次門診或急症診症出院 / 日間手術後90日內最多3次跟進門診
(l) Psychiatric treatments (l) 精神科治療	每保單年度 $35,000
Extra Benefits
Hospital companion bed fee reimbursement 住院陪床	每日$800 每保單年度最多180日
Home nursing 手術後家中護理	每次$960 每保單年度最多15次（每日1次） • 出院 / 日間手術後31日內
Outpatient kidney dialysis 透析治療	每保單年度 $135,000
Emergency outpatient treatment for Accident 意外門診治療	每次受傷 $9,600
Post-Confinement / Day Case Procedure auxiliary therapy 輔助服務（物理治療 / 職業治療 / 言語治療 / 脊椎治療）	每次$1,150 每保單年度最多10次住院 / 日間手術前最多1次診治出院 / 日間手術後90日內的診治
Chinese Medicine Practitioner outpatient care 中醫指定癌症治療	每次$600 每保單年度最多15次（每日1次） • 出院 / 訂明非手術癌症治療後90日內
Complications of pregnancy 妊娠期併發症	根據保障項目I (a)–I (i) 、I (k) 、II (a) 及II (b) 的相關賠償限額支付
Event Benefits
Compassionate death benefit 恩恤身故保障	每保單 $20,000
Accidental Death benefit 意外身故保障	每保單 $20,000
Medical accident and incident extension benefit 醫療意外及事故保障	每保單 $176,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
每日$2,500 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度 $26,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日$2,200 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
每保單年度 $6,600
(e) Intensive care
(e) 深切治療
每日$6,200 每保單年度最多90日
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
外科醫生費的35%
(h) Operating theatre charges
(h) 手術室費
外科醫生費的35%
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
每保單年度 $30,000 設30% 共同保險（如補充文件 — 保障第3節所述之條件已完全符合，共同保險則為0%）
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
每保單年度 $150,000
(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
每次$1,400，每保單年度 $5,600住院 / 日間手術前最多1次門診或急症診症出院 / 日間手術後90日內最多3次跟進門診
(l) Psychiatric treatments
(l) 精神科治療
每保單年度 $35,000

Extra Benefits

Hospital companion bed fee reimbursement
住院陪床
每日$800 每保單年度最多180日
Home nursing
手術後家中護理
每次$960 每保單年度最多15次（每日1次） • 出院 / 日間手術後31日內
Outpatient kidney dialysis
透析治療
每保單年度 $135,000
Emergency outpatient treatment for Accident
意外門診治療
每次受傷 $9,600
Post-Confinement / Day Case Procedure auxiliary therapy
輔助服務（物理治療 / 職業治療 / 言語治療 / 脊椎治療）
每次$1,150 每保單年度最多10次住院 / 日間手術前最多1次診治出院 / 日間手術後90日內的診治
Chinese Medicine Practitioner outpatient care
中醫指定癌症治療
每次$600 每保單年度最多15次（每日1次） • 出院 / 訂明非手術癌症治療後90日內
Complications of pregnancy
妊娠期併發症
根據保障項目I (a)–I (i) 、I (k) 、II (a) 及II (b) 的相關賠償限額支付

Event Benefits

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

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Deposited to premium savings account

15% (savings account)

Claims that do NOT break the streak

指定日間手術的指定保障賠償
網絡日間手術的指定保障賠償

Verbatim clause

無索償折扣（以下第 1 節旨在補充條款及保障第三部分的保費條文。）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（為免存疑，此包括於該續保日到期之保費）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。指定日間手術已列明於「保誠靈活自主醫保計劃 – 指定日間手術表」內。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%。就釐定無索償折扣而言，任何按本條款及保障已付的賠償會按以下計算所屬的保單年度： (i) 如受保人住院，以該次住院的入院日期計算；或 (ii) 如受保人以日症病人身份接受醫療服務，以該次接受醫療服務的日期計算。假如在支付無索償折扣後，本公司在其後就任何於有關期間內的保障根據本條款及保障作出應付賠償，無索償折扣將因應相關應付賠償重新計算，及保單持有人須向本公司歸還重新計算的金額及實際已支付予保單持有人的無索償折扣之差額。如未歸還，本公司將以債項形式向保單持有人全數追討有關之款項。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00013/F00013-02-000-06-PlanDoc-c.pdf · p.25

Premium Schedule

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

Age	Male	Female
0	HK$10,248	HK$9,037
1	HK$9,993	HK$8,855
2	HK$9,474	HK$8,346
3	HK$8,831	HK$7,735
4	HK$7,977	HK$6,992
5	HK$7,180	HK$6,224
6	HK$6,463	HK$5,540
7	HK$5,947	HK$5,098
8	HK$5,472	HK$4,843
9	HK$5,357	HK$4,683
10	HK$5,351	HK$4,678
11	HK$5,345	HK$4,672
12	HK$5,339	HK$4,667
13	HK$5,333	HK$4,662
14	HK$5,327	HK$4,657
15	HK$5,476	HK$4,850
16	HK$5,628	HK$5,052
17	HK$5,785	HK$5,262
18	HK$5,947	HK$5,481
19	HK$6,112	HK$5,709
20	HK$6,188	HK$5,974
21	HK$6,264	HK$6,252
22	HK$6,342	HK$6,542
23	HK$6,420	HK$6,846
24	HK$6,499	HK$7,165
25	HK$6,580	HK$7,498
26	HK$6,661	HK$7,846
27	HK$6,743	HK$8,211
28	HK$6,827	HK$8,593
29	HK$6,911	HK$8,993
30	HK$7,100	HK$9,286
31	HK$7,295	HK$9,589
32	HK$7,495	HK$9,902
33	HK$7,701	HK$10,225
34	HK$7,912	HK$10,559
35	HK$8,129	HK$10,904
36	HK$8,352	HK$11,260
37	HK$8,581	HK$11,627
38	HK$8,816	HK$12,007
39	HK$9,058	HK$12,399
40	HK$9,501	HK$12,889
41	HK$9,966	HK$13,398
42	HK$10,454	HK$13,928
43	HK$10,965	HK$14,479
44	HK$11,502	HK$15,052
45	HK$12,065	HK$15,647
46	HK$12,655	HK$16,266
47	HK$13,274	HK$16,909
48	HK$13,924	HK$17,578
49	HK$14,606	HK$18,273
50	HK$15,334	HK$18,767
51	HK$16,099	HK$19,274
52	HK$16,902	HK$19,796
53	HK$17,746	HK$20,331
54	HK$18,631	HK$20,881
55	HK$19,560	HK$21,446
56	HK$20,536	HK$22,026
57	HK$21,561	HK$22,622
58	HK$22,637	HK$23,233
59	HK$23,766	HK$23,862
60	HK$25,833	HK$25,477
61	HK$28,080	HK$27,202
62	HK$30,523	HK$29,044
63	HK$33,178	HK$31,010
64	HK$36,064	HK$33,109
65	HK$38,061	HK$34,798
66	HK$40,168	HK$36,573
67	HK$42,391	HK$38,438
68	HK$44,738	HK$40,398
69	HK$47,215	HK$42,459
70	HK$49,228	HK$44,240
71	HK$51,327	HK$46,095
72	HK$53,515	HK$48,029
73	HK$55,797	HK$50,044
74	HK$58,176	HK$52,143
75	HK$60,308	HK$54,162
76	HK$62,448	HK$55,562
77	HK$64,590	HK$57,641
78	HK$66,701	HK$59,754
79	HK$69,448	HK$61,862
80	HK$70,894	HK$63,140
81	HK$72,334	HK$64,414
82	HK$73,771	HK$65,680
83	HK$75,200	HK$66,563
84	HK$76,627	HK$67,816
85	HK$78,051	HK$69,070
86	HK$79,377	HK$70,244
87	HK$80,726	HK$71,438
88	HK$81,776	HK$72,367
89	HK$82,839	HK$73,307
90	HK$83,667	HK$74,040
91	HK$84,336	HK$74,623
92	HK$85,012	HK$74,909
93	HK$85,346	HK$75,187
94	HK$85,685	HK$75,466
95	HK$86,018	HK$75,747
96	HK$86,352	HK$76,021
97	HK$86,686	HK$76,297
98	HK$87,004	HK$76,561
99	HK$87,323	HK$76,825
100	HK$87,643	HK$77,091
101	HK$87,963	HK$77,358
102	HK$88,286	HK$77,625
103	HK$88,609	HK$77,894
104	HK$88,934	HK$78,163
105	HK$89,259	HK$78,434
106	HK$89,586	HK$78,705
107	HK$89,914	HK$78,977
108	HK$90,244	HK$79,250
109	HK$90,574	HK$79,524
110	HK$90,906	HK$79,799
111	HK$91,239	HK$80,075
112	HK$91,573	HK$80,352
113	HK$91,909	HK$80,630
114	HK$92,245	HK$80,909
115	HK$92,583	HK$81,189
116	HK$92,922	HK$81,470
117	HK$93,263	HK$81,752
118	HK$93,605	HK$82,035
119	HK$93,947	HK$82,318
120	HK$94,291	HK$82,603

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)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

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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Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Oct 1, 2026
Plan data updated: 2026-10-05

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

01 · Plan at a glance

Benefits

No-Claim Bonus

Claims that do NOT break the streak

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款