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VHIS Flexi · F00013-05-001-06

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

保誠靈活自主醫保計劃 - 半私家病房+額外醫療計劃一 (美元)

Prudential Hong Kong Limited

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Your premium

US$1,232 /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

US$279,562／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	$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)
Supplementary Major Medical Benefit 額外醫療計劃	US$35,613 per Disability per Policy Year (Network); US$29,678 (Non-Network — 80% reimbursement). Network: full reimbursement; Non-Network: 80%.
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)
Supplementary Major Medical Benefit
額外醫療計劃
US$35,613 per Disability per Policy Year (Network); US$29,678 (Non-Network — 80% reimbursement). Network: full reimbursement; Non-Network: 80%.

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$1,551	US$1,337
1	US$1,528	US$1,306
2	US$1,450	US$1,239
3	US$1,351	US$1,145
4	US$1,230	US$1,043
5	US$1,124	US$922
6	US$1,057	US$848
7	US$1,015	US$782
8	US$978	US$741
9	US$964	US$730
10	US$964	US$742
11	US$964	US$753
12	US$963	US$765
13	US$963	US$778
14	US$963	US$790
15	US$979	US$808
16	US$995	US$827
17	US$1,011	US$847
18	US$1,028	US$867
19	US$1,045	US$887
20	US$1,060	US$955
21	US$1,075	US$1,027
22	US$1,091	US$1,105
23	US$1,106	US$1,189
24	US$1,122	US$1,280
25	US$1,138	US$1,337
26	US$1,154	US$1,397
27	US$1,170	US$1,459
28	US$1,187	US$1,524
29	US$1,204	US$1,592
30	US$1,232	US$1,644
31	US$1,260	US$1,698
32	US$1,289	US$1,753
33	US$1,318	US$1,810
34	US$1,348	US$1,869
35	US$1,397	US$1,909
36	US$1,447	US$1,950
37	US$1,500	US$1,991
38	US$1,554	US$2,034
39	US$1,610	US$2,077
40	US$1,696	US$2,104
41	US$1,787	US$2,233
42	US$1,883	US$2,366
43	US$1,985	US$2,489
44	US$2,091	US$2,616
45	US$2,204	US$2,749
46	US$2,322	US$2,847
47	US$2,447	US$2,947
48	US$2,578	US$3,060
49	US$2,717	US$3,205
50	US$2,838	US$3,255
51	US$2,963	US$3,306
52	US$3,095	US$3,357
53	US$3,232	US$3,409
54	US$3,376	US$3,462
55	US$3,548	US$3,574
56	US$3,730	US$3,689
57	US$3,920	US$3,808
58	US$4,121	US$3,932
59	US$4,331	US$4,059
60	US$4,672	US$4,348
61	US$5,039	US$4,659
62	US$5,435	US$4,992
63	US$5,862	US$5,348
64	US$6,322	US$5,730
65	US$6,626	US$5,993
66	US$6,945	US$6,269
67	US$7,279	US$6,556
68	US$7,629	US$6,858
69	US$7,995	US$7,172
70	US$8,345	US$7,482
71	US$8,709	US$7,804
72	US$9,089	US$8,141
73	US$9,486	US$8,491
74	US$9,901	US$8,858
75	US$10,280	US$9,191
76	US$10,658	US$9,525
77	US$11,035	US$9,859
78	US$11,412	US$10,192
79	US$11,900	US$10,523
80	US$12,149	US$10,742
81	US$12,397	US$10,960
82	US$12,645	US$11,178
83	US$12,892	US$11,395
84	US$13,138	US$11,612
85	US$13,384	US$11,828
86	US$13,598	US$12,017
87	US$13,816	US$12,209
88	US$13,982	US$12,356
89	US$14,149	US$12,504
90	US$14,277	US$12,617
91	US$14,405	US$12,730
92	US$14,506	US$12,819
93	US$14,600	US$12,888
94	US$14,658	US$12,936
95	US$14,717	US$12,984
96	US$14,775	US$13,031
97	US$14,832	US$13,078
98	US$14,887	US$13,121
99	US$14,942	US$13,165
100	US$14,997	US$13,209
101	US$15,052	US$13,253
102	US$15,107	US$13,297
103	US$15,163	US$13,341
104	US$15,219	US$13,385
105	US$15,275	US$13,430
106	US$15,331	US$13,475
107	US$15,387	US$13,520
108	US$15,444	US$13,565
109	US$15,501	US$13,610
110	US$15,558	US$13,655
111	US$15,615	US$13,701
112	US$15,672	US$13,746
113	US$15,730	US$13,792
114	US$15,788	US$13,838
115	US$15,846	US$13,884
116	US$15,904	US$13,930
117	US$15,963	US$13,977
118	US$16,021	US$14,023
119	US$16,080	US$14,070
120	US$16,139	US$14,117

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.