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VHIS Flexi · F00013-02-002-06

PRUHealth FlexiChoice Medical Plan - Semi-private Room with SMM 2 (HKD)

保誠靈活自主醫保計劃 - 半私家病房+額外醫療計劃二 (港元)

Prudential Hong Kong Limited

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Your premium

HK$10,975 /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$414,000／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$13,819	HK$11,914
1	HK$13,617	HK$11,640
2	HK$12,922	HK$11,046
3	HK$12,042	HK$10,206
4	HK$10,965	HK$9,294
5	HK$10,019	HK$8,214
6	HK$9,419	HK$7,558
7	HK$9,042	HK$6,965
8	HK$8,716	HK$6,600
9	HK$8,592	HK$6,505
10	HK$8,590	HK$6,608
11	HK$8,587	HK$6,713
12	HK$8,585	HK$6,820
13	HK$8,582	HK$6,929
14	HK$8,579	HK$7,039
15	HK$8,722	HK$7,204
16	HK$8,867	HK$7,374
17	HK$9,013	HK$7,547
18	HK$9,163	HK$7,724
19	HK$9,315	HK$7,906
20	HK$9,448	HK$8,507
21	HK$9,582	HK$9,154
22	HK$9,718	HK$9,850
23	HK$9,857	HK$10,600
24	HK$9,997	HK$11,406
25	HK$10,139	HK$11,916
26	HK$10,283	HK$12,448
27	HK$10,430	HK$13,004
28	HK$10,578	HK$13,585
29	HK$10,728	HK$14,191
30	HK$10,975	HK$14,653
31	HK$11,226	HK$15,130
32	HK$11,484	HK$15,622
33	HK$11,747	HK$16,130
34	HK$12,017	HK$16,655
35	HK$12,450	HK$17,011
36	HK$12,899	HK$17,374
37	HK$13,364	HK$17,746
38	HK$13,845	HK$18,125
39	HK$14,344	HK$18,512
40	HK$15,115	HK$18,747
41	HK$15,928	HK$19,903
42	HK$16,784	HK$21,088
43	HK$17,686	HK$22,183
44	HK$18,637	HK$23,314
45	HK$19,638	HK$24,496
46	HK$20,694	HK$25,369
47	HK$21,806	HK$26,260
48	HK$22,979	HK$27,273
49	HK$24,214	HK$28,566
50	HK$25,288	HK$29,009
51	HK$26,410	HK$29,460
52	HK$27,582	HK$29,917
53	HK$28,806	HK$30,382
54	HK$30,084	HK$30,854
55	HK$31,622	HK$31,850
56	HK$33,238	HK$32,879
57	HK$34,937	HK$33,942
58	HK$36,723	HK$35,039
59	HK$38,600	HK$36,171
60	HK$41,634	HK$38,754
61	HK$44,906	HK$41,522
62	HK$48,435	HK$44,487
63	HK$52,242	HK$47,665
64	HK$56,347	HK$51,069
65	HK$59,056	HK$53,414
66	HK$61,895	HK$55,867
67	HK$64,870	HK$58,433
68	HK$67,988	HK$61,116
69	HK$71,257	HK$63,923
70	HK$74,369	HK$66,679
71	HK$77,618	HK$69,553
72	HK$81,008	HK$72,552
73	HK$84,546	HK$75,679
74	HK$88,239	HK$78,942
75	HK$91,621	HK$81,918
76	HK$94,992	HK$84,894
77	HK$98,351	HK$87,865
78	HK$101,705	HK$90,833
79	HK$106,055	HK$93,785
80	HK$108,276	HK$95,739
81	HK$110,487	HK$97,684
82	HK$112,698	HK$99,625
83	HK$114,898	HK$101,560
84	HK$117,092	HK$103,488
85	HK$119,286	HK$105,415
86	HK$121,194	HK$107,102
87	HK$123,133	HK$108,815
88	HK$124,610	HK$110,121
89	HK$126,106	HK$111,442
90	HK$127,241	HK$112,445
91	HK$128,386	HK$113,457
92	HK$129,284	HK$114,251
93	HK$130,122	HK$114,865
94	HK$130,642	HK$115,295
95	HK$131,164	HK$115,723
96	HK$131,678	HK$116,141
97	HK$132,193	HK$116,553
98	HK$132,679	HK$116,941
99	HK$133,167	HK$117,331
100	HK$133,657	HK$117,721
101	HK$134,149	HK$118,113
102	HK$134,642	HK$118,507
103	HK$135,137	HK$118,902
104	HK$135,634	HK$119,297
105	HK$136,133	HK$119,695
106	HK$136,634	HK$120,093
107	HK$137,137	HK$120,493
108	HK$137,641	HK$120,895
109	HK$138,147	HK$121,297
110	HK$138,655	HK$121,701
111	HK$139,165	HK$122,107
112	HK$139,677	HK$122,513
113	HK$140,191	HK$122,921
114	HK$140,707	HK$123,331
115	HK$141,224	HK$123,741
116	HK$141,744	HK$124,153
117	HK$142,265	HK$124,567
118	HK$142,788	HK$124,982
119	HK$143,313	HK$125,398
120	HK$143,841	HK$125,816

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.