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VHIS Flexi · F00013-02-001-06

PRUHealth FlexiChoice Medical Plan - Semi-private Room with SMM 1 (HKD)

保誠靈活自主醫保計劃 - 半私家病房+額外醫療計劃一 (港元)

Prudential Hong Kong Limited

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Your premium

HK$9,544 /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

HK$276,000／per policy year / per disability

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

Delayed onset

額外醫療計劃 (網絡 / 非網絡共享，每傷病每保單年度)
- Network hospital: effective immediately
- Non-network hospital: from day 181 of confinement

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$12,017	HK$10,361
1	HK$11,842	HK$10,122
2	HK$11,238	HK$9,606
3	HK$10,472	HK$8,876
4	HK$9,536	HK$8,082
5	HK$8,714	HK$7,143
6	HK$8,191	HK$6,573
7	HK$7,864	HK$6,057
8	HK$7,580	HK$5,740
9	HK$7,473	HK$5,658
10	HK$7,470	HK$5,747
11	HK$7,468	HK$5,839
12	HK$7,466	HK$5,931
13	HK$7,464	HK$6,026
14	HK$7,461	HK$6,122
15	HK$7,585	HK$6,266
16	HK$7,711	HK$6,413
17	HK$7,839	HK$6,564
18	HK$7,969	HK$6,718
19	HK$8,101	HK$6,876
20	HK$8,216	HK$7,399
21	HK$8,333	HK$7,961
22	HK$8,452	HK$8,567
23	HK$8,572	HK$9,218
24	HK$8,694	HK$9,919
25	HK$8,817	HK$10,362
26	HK$8,943	HK$10,825
27	HK$9,070	HK$11,308
28	HK$9,199	HK$11,814
29	HK$9,330	HK$12,341
30	HK$9,544	HK$12,743
31	HK$9,763	HK$13,157
32	HK$9,987	HK$13,585
33	HK$10,216	HK$14,027
34	HK$10,450	HK$14,484
35	HK$10,827	HK$14,793
36	HK$11,217	HK$15,109
37	HK$11,622	HK$15,432
38	HK$12,040	HK$15,761
39	HK$12,474	HK$16,098
40	HK$13,145	HK$16,303
41	HK$13,851	HK$17,308
42	HK$14,596	HK$18,338
43	HK$15,380	HK$19,291
44	HK$16,207	HK$20,274
45	HK$17,078	HK$21,302
46	HK$17,996	HK$22,061
47	HK$18,963	HK$22,836
48	HK$19,982	HK$23,717
49	HK$21,056	HK$24,841
50	HK$21,991	HK$25,227
51	HK$22,966	HK$25,618
52	HK$23,985	HK$26,016
53	HK$25,049	HK$26,420
54	HK$26,161	HK$26,830
55	HK$27,498	HK$27,697
56	HK$28,904	HK$28,592
57	HK$30,381	HK$29,516
58	HK$31,934	HK$30,469
59	HK$33,567	HK$31,454
60	HK$36,205	HK$33,700
61	HK$39,050	HK$36,107
62	HK$42,119	HK$38,686
63	HK$45,428	HK$41,449
64	HK$48,999	HK$44,409
65	HK$51,354	HK$46,448
66	HK$53,822	HK$48,581
67	HK$56,410	HK$50,812
68	HK$59,121	HK$53,146
69	HK$61,963	HK$55,586
70	HK$64,670	HK$57,982
71	HK$67,495	HK$60,482
72	HK$70,443	HK$63,089
73	HK$73,520	HK$65,809
74	HK$76,731	HK$68,646
75	HK$79,671	HK$71,234
76	HK$82,602	HK$73,822
77	HK$85,524	HK$76,405
78	HK$88,440	HK$78,986
79	HK$92,222	HK$81,553
80	HK$94,154	HK$83,252
81	HK$96,077	HK$84,944
82	HK$97,999	HK$86,631
83	HK$99,912	HK$88,314
84	HK$101,820	HK$89,990
85	HK$103,727	HK$91,666
86	HK$105,387	HK$93,133
87	HK$107,073	HK$94,623
88	HK$108,358	HK$95,758
89	HK$109,658	HK$96,907
90	HK$110,645	HK$97,779
91	HK$111,641	HK$98,659
92	HK$112,422	HK$99,350
93	HK$113,151	HK$99,883
94	HK$113,602	HK$100,258
95	HK$114,057	HK$100,630
96	HK$114,504	HK$100,993
97	HK$114,951	HK$101,351
98	HK$115,374	HK$101,689
99	HK$115,798	HK$102,028
100	HK$116,224	HK$102,367
101	HK$116,652	HK$102,708
102	HK$117,081	HK$103,050
103	HK$117,512	HK$103,393
104	HK$117,944	HK$103,737
105	HK$118,378	HK$104,083
106	HK$118,813	HK$104,429
107	HK$119,250	HK$104,777
108	HK$119,689	HK$105,126
109	HK$120,129	HK$105,476
110	HK$120,571	HK$105,827
111	HK$121,014	HK$106,179
112	HK$121,460	HK$106,533
113	HK$121,906	HK$106,887
114	HK$122,355	HK$107,243
115	HK$122,805	HK$107,600
116	HK$123,256	HK$107,959
117	HK$123,710	HK$108,318
118	HK$124,165	HK$108,679
119	HK$124,622	HK$109,041
120	HK$125,080	HK$109,404

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: 2026-04-29

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.