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VHIS FlexiF00013-02-001-06

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)

PRUHealth FlexiChoice Medical Plan - Semi-private Room with SMM 1 (HKD) is a VHIS Flexi plan offered by Prudential Hong Kong Limited, with basic and extra: No ward-class restriction; SMM: Semi-Private Room, 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$10,213 /yr

age

Ward class

Basic and extra: No ward-class restriction; SMM: Semi-Private Room

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

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	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/F00013-02-001-06-PlanDoc-c.pdf · p.25

Premium Schedule

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

Age	Male	Female
0	HK$12,859	HK$11,087
1	HK$12,672	HK$10,832
2	HK$12,025	HK$10,279
3	HK$11,206	HK$9,498
4	HK$10,204	HK$8,649
5	HK$9,324	HK$7,644
6	HK$8,765	HK$7,034
7	HK$8,415	HK$6,482
8	HK$8,112	HK$6,143
9	HK$7,996	HK$6,054
10	HK$7,994	HK$6,150
11	HK$7,992	HK$6,248
12	HK$7,989	HK$6,347
13	HK$7,987	HK$6,448
14	HK$7,984	HK$6,551
15	HK$8,117	HK$6,705
16	HK$8,252	HK$6,862
17	HK$8,388	HK$7,024
18	HK$8,527	HK$7,189
19	HK$8,669	HK$7,358
20	HK$8,792	HK$7,917
21	HK$8,917	HK$8,520
22	HK$9,044	HK$9,167
23	HK$9,173	HK$9,864
24	HK$9,303	HK$10,614
25	HK$9,435	HK$11,088
26	HK$9,570	HK$11,584
27	HK$9,706	HK$12,101
28	HK$9,844	HK$12,641
29	HK$9,984	HK$13,206
30	HK$10,213	HK$13,636
31	HK$10,447	HK$14,079
32	HK$10,687	HK$14,537
33	HK$10,932	HK$15,010
34	HK$11,183	HK$15,498
35	HK$11,586	HK$15,830
36	HK$12,003	HK$16,168
37	HK$12,436	HK$16,513
38	HK$12,884	HK$16,865
39	HK$13,348	HK$17,226
40	HK$14,066	HK$17,445
41	HK$14,822	HK$18,520
42	HK$15,618	HK$19,623
43	HK$16,457	HK$20,642
44	HK$17,342	HK$21,694
45	HK$18,274	HK$22,794
46	HK$19,256	HK$23,606
47	HK$20,291	HK$24,435
48	HK$21,382	HK$25,378
49	HK$22,531	HK$26,580
50	HK$23,531	HK$26,993
51	HK$24,575	HK$27,412
52	HK$25,665	HK$27,838
53	HK$26,804	HK$28,270
54	HK$27,993	HK$28,709
55	HK$29,424	HK$29,637
56	HK$30,928	HK$30,594
57	HK$32,508	HK$31,583
58	HK$34,170	HK$32,603
59	HK$35,917	HK$33,656
60	HK$38,740	HK$36,060
61	HK$41,784	HK$38,635
62	HK$45,068	HK$41,394
63	HK$48,609	HK$44,351
64	HK$52,429	HK$47,518
65	HK$54,950	HK$49,700
66	HK$57,591	HK$51,983
67	HK$60,359	HK$54,370
68	HK$63,261	HK$56,867
69	HK$66,302	HK$59,478
70	HK$69,198	HK$62,042
71	HK$72,220	HK$64,716
72	HK$75,374	HK$67,506
73	HK$78,667	HK$70,416
74	HK$82,103	HK$73,452
75	HK$85,249	HK$76,221
76	HK$88,385	HK$78,990
77	HK$91,511	HK$81,754
78	HK$94,632	HK$84,516
79	HK$98,679	HK$87,263
80	HK$100,746	HK$89,081
81	HK$102,803	HK$90,890
82	HK$104,860	HK$92,696
83	HK$106,906	HK$94,497
84	HK$108,948	HK$96,291
85	HK$110,989	HK$98,084
86	HK$112,765	HK$99,653
87	HK$114,569	HK$101,247
88	HK$115,944	HK$102,462
89	HK$117,335	HK$103,692
90	HK$118,391	HK$104,625
91	HK$119,456	HK$105,566
92	HK$120,293	HK$106,305
93	HK$121,072	HK$106,876
94	HK$121,555	HK$107,277
95	HK$122,042	HK$107,675
96	HK$122,520	HK$108,063
97	HK$122,999	HK$108,447
98	HK$123,451	HK$108,808
99	HK$123,905	HK$109,170
100	HK$124,361	HK$109,534
101	HK$124,818	HK$109,898
102	HK$125,277	HK$110,264
103	HK$125,738	HK$110,631
104	HK$126,201	HK$111,000
105	HK$126,665	HK$111,369
106	HK$127,131	HK$111,740
107	HK$127,598	HK$112,112
108	HK$128,068	HK$112,485
109	HK$128,539	HK$112,860
110	HK$129,012	HK$113,236
111	HK$129,486	HK$113,613
112	HK$129,962	HK$113,991
113	HK$130,440	HK$114,370
114	HK$130,920	HK$114,751
115	HK$131,402	HK$115,133
116	HK$131,885	HK$115,516
117	HK$132,370	HK$115,901
118	HK$132,857	HK$116,287
119	HK$133,346	HK$116,674
120	HK$133,836	HK$117,063

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 with SMM 1 (HKD)

01 · Plan at a glance

Coverage Tiers & Conditions

Delayed onset

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