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VHIS Flexi · F00013-05-000-06

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

保誠靈活自主醫保計劃 - 半私家病房 (美元)

Prudential Hong Kong Limited

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Your premium

US$872 /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	$323 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$3,355 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$284 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$852 per Policy Year
(e) Intensive care (e) 深切治療	$800 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$968
Surgeon's fee — Intermediate 外科醫生費 — 中型	$2,420
Surgeon's fee — Major 外科醫生費 — 大型	$4,839
Surgeon's fee — Complex 外科醫生費 — 複雜	$9,678
(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	$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%)
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$19,355 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	$181, per visit, $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) Psychiatric treatments (l) 精神科治療	$4,517 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 手術後家中護理	$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
Outpatient kidney dialysis 透析治療	$17,420 per Policy Year
Emergency outpatient treatment for Accident 意外門診治療	$1,239 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）	$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
Chinese Medicine Practitioner outpatient care 中醫指定癌症治療	$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
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	$104 per day, maximum 180 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故保障	$2,581 per policy
Accidental Death benefit 意外身故保障	$2,581 per policy
Medical accident and incident extension benefit 醫療意外及事故保障	$22,710 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$323 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$3,355 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$284 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$852 per Policy Year
(e) Intensive care
(e) 深切治療
$800 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$968
Surgeon's fee — Intermediate
外科醫生費 — 中型
$2,420
Surgeon's fee — Major
外科醫生費 — 大型
$4,839
Surgeon's fee — Complex
外科醫生費 — 複雜
$9,678
(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
$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%)
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$19,355 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
$181, per visit, $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) Psychiatric treatments
(l) 精神科治療
$4,517 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
手術後家中護理
$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
Outpatient kidney dialysis
透析治療
$17,420 per Policy Year
Emergency outpatient treatment for Accident
意外門診治療
$1,239 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）
$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
Chinese Medicine Practitioner outpatient care
中醫指定癌症治療
$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
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
$104 per day, maximum 180 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故保障
$2,581 per policy
Accidental Death benefit
意外身故保障
$2,581 per policy
Medical accident and incident extension benefit
醫療意外及事故保障
$22,710 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) · USD

Age	Male	Female
0	US$1,259	US$1,110
1	US$1,228	US$1,088
2	US$1,164	US$1,026
3	US$1,085	US$950
4	US$980	US$859
5	US$882	US$765
6	US$794	US$681
7	US$731	US$626
8	US$672	US$595
9	US$658	US$575
10	US$658	US$575
11	US$657	US$574
12	US$656	US$573
13	US$655	US$573
14	US$655	US$572
15	US$673	US$596
16	US$692	US$621
17	US$711	US$647
18	US$731	US$673
19	US$751	US$701
20	US$760	US$734
21	US$770	US$768
22	US$779	US$804
23	US$789	US$841
24	US$799	US$880
25	US$808	US$921
26	US$818	US$964
27	US$829	US$1,009
28	US$839	US$1,056
29	US$849	US$1,105
30	US$872	US$1,141
31	US$896	US$1,178
32	US$921	US$1,217
33	US$946	US$1,256
34	US$972	US$1,297
35	US$999	US$1,340
36	US$1,026	US$1,384
37	US$1,054	US$1,429
38	US$1,083	US$1,475
39	US$1,113	US$1,524
40	US$1,167	US$1,584
41	US$1,225	US$1,646
42	US$1,285	US$1,712
43	US$1,347	US$1,779
44	US$1,413	US$1,850
45	US$1,482	US$1,923
46	US$1,555	US$1,999
47	US$1,631	US$2,078
48	US$1,711	US$2,160
49	US$1,795	US$2,245
50	US$1,884	US$2,306
51	US$1,978	US$2,368
52	US$2,077	US$2,433
53	US$2,181	US$2,498
54	US$2,289	US$2,566
55	US$2,404	US$2,635
56	US$2,524	US$2,707
57	US$2,649	US$2,780
58	US$2,782	US$2,855
59	US$2,920	US$2,932
60	US$3,174	US$3,131
61	US$3,451	US$3,343
62	US$3,751	US$3,569
63	US$4,077	US$3,811
64	US$4,432	US$4,069
65	US$4,677	US$4,276
66	US$4,936	US$4,494
67	US$5,209	US$4,723
68	US$5,498	US$4,964
69	US$5,802	US$5,218
70	US$6,049	US$5,436
71	US$6,307	US$5,664
72	US$6,576	US$5,902
73	US$6,857	US$6,150
74	US$7,149	US$6,408
75	US$7,411	US$6,656
76	US$7,674	US$6,828
77	US$7,937	US$7,083
78	US$8,197	US$7,343
79	US$8,534	US$7,602
80	US$8,712	US$7,759
81	US$8,889	US$7,916
82	US$9,065	US$8,071
83	US$9,241	US$8,180
84	US$9,416	US$8,334
85	US$9,591	US$8,488
86	US$9,754	US$8,632
87	US$9,920	US$8,779
88	US$10,049	US$8,893
89	US$10,180	US$9,008
90	US$10,282	US$9,099
91	US$10,364	US$9,170
92	US$10,447	US$9,205
93	US$10,488	US$9,240
94	US$10,530	US$9,274
95	US$10,571	US$9,308
96	US$10,612	US$9,342
97	US$10,653	US$9,376
98	US$10,692	US$9,408
99	US$10,731	US$9,441
100	US$10,770	US$9,473
101	US$10,810	US$9,506
102	US$10,849	US$9,539
103	US$10,889	US$9,572
104	US$10,929	US$9,605
105	US$10,969	US$9,638
106	US$11,009	US$9,672
107	US$11,049	US$9,705
108	US$11,090	US$9,739
109	US$11,130	US$9,772
110	US$11,171	US$9,806
111	US$11,212	US$9,840
112	US$11,253	US$9,874
113	US$11,294	US$9,908
114	US$11,336	US$9,943
115	US$11,377	US$9,977
116	US$11,419	US$10,012
117	US$11,461	US$10,046
118	US$11,503	US$10,081
119	US$11,545	US$10,116
120	US$11,587	US$10,151

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.