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VHIS Flexi · F00013-05-002-06

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

保誠靈活自主醫保計劃 - 半私家病房+額外醫療計劃二 (美元)

Prudential Hong Kong Limited

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Your premium

US$1,416 /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$419,347／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$53,420 per Disability per Policy Year (Network); US$44,517 (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$53,420 per Disability per Policy Year (Network); US$44,517 (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$1,783	US$1,537
1	US$1,757	US$1,502
2	US$1,667	US$1,425
3	US$1,554	US$1,317
4	US$1,415	US$1,199
5	US$1,293	US$1,060
6	US$1,215	US$975
7	US$1,167	US$899
8	US$1,125	US$852
9	US$1,109	US$839
10	US$1,108	US$853
11	US$1,108	US$866
12	US$1,108	US$880
13	US$1,107	US$894
14	US$1,107	US$908
15	US$1,125	US$930
16	US$1,144	US$951
17	US$1,163	US$974
18	US$1,182	US$997
19	US$1,202	US$1,020
20	US$1,219	US$1,098
21	US$1,236	US$1,181
22	US$1,254	US$1,271
23	US$1,272	US$1,368
24	US$1,290	US$1,472
25	US$1,308	US$1,538
26	US$1,327	US$1,606
27	US$1,346	US$1,678
28	US$1,365	US$1,753
29	US$1,384	US$1,831
30	US$1,416	US$1,891
31	US$1,449	US$1,952
32	US$1,482	US$2,016
33	US$1,516	US$2,081
34	US$1,551	US$2,149
35	US$1,606	US$2,195
36	US$1,664	US$2,242
37	US$1,724	US$2,290
38	US$1,786	US$2,339
39	US$1,851	US$2,389
40	US$1,950	US$2,419
41	US$2,055	US$2,568
42	US$2,166	US$2,721
43	US$2,282	US$2,862
44	US$2,405	US$3,008
45	US$2,534	US$3,161
46	US$2,670	US$3,273
47	US$2,814	US$3,388
48	US$2,965	US$3,519
49	US$3,124	US$3,686
50	US$3,263	US$3,743
51	US$3,408	US$3,801
52	US$3,559	US$3,860
53	US$3,717	US$3,920
54	US$3,882	US$3,981
55	US$4,080	US$4,110
56	US$4,289	US$4,243
57	US$4,508	US$4,380
58	US$4,738	US$4,521
59	US$4,981	US$4,667
60	US$5,372	US$5,000
61	US$5,794	US$5,358
62	US$6,250	US$5,740
63	US$6,741	US$6,150
64	US$7,271	US$6,590
65	US$7,620	US$6,892
66	US$7,986	US$7,209
67	US$8,370	US$7,540
68	US$8,773	US$7,886
69	US$9,194	US$8,248
70	US$9,596	US$8,604
71	US$10,015	US$8,975
72	US$10,453	US$9,362
73	US$10,909	US$9,765
74	US$11,386	US$10,186
75	US$11,822	US$10,570
76	US$12,257	US$10,954
77	US$12,690	US$11,337
78	US$13,123	US$11,720
79	US$13,684	US$12,101
80	US$13,971	US$12,353
81	US$14,256	US$12,604
82	US$14,542	US$12,855
83	US$14,826	US$13,105
84	US$15,109	US$13,353
85	US$15,392	US$13,602
86	US$15,638	US$13,820
87	US$15,888	US$14,041
88	US$16,079	US$14,209
89	US$16,272	US$14,380
90	US$16,418	US$14,509
91	US$16,566	US$14,640
92	US$16,682	US$14,742
93	US$16,790	US$14,821
94	US$16,857	US$14,877
95	US$16,924	US$14,932
96	US$16,991	US$14,986
97	US$17,057	US$15,039
98	US$17,120	US$15,089
99	US$17,183	US$15,139
100	US$17,246	US$15,190
101	US$17,309	US$15,240
102	US$17,373	US$15,291
103	US$17,437	US$15,342
104	US$17,501	US$15,393
105	US$17,566	US$15,444
106	US$17,630	US$15,496
107	US$17,695	US$15,548
108	US$17,760	US$15,599
109	US$17,825	US$15,651
110	US$17,891	US$15,703
111	US$17,957	US$15,756
112	US$18,023	US$15,808
113	US$18,089	US$15,861
114	US$18,156	US$15,914
115	US$18,222	US$15,967
116	US$18,290	US$16,020
117	US$18,357	US$16,073
118	US$18,424	US$16,127
119	US$18,492	US$16,180
120	US$18,560	US$16,234

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.