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VHIS Flexi · F00013-04-000-06

PRUHealth FlexiChoice Medical Plan - Ward (USD)

保誠靈活自主醫保計劃 - 普通病房 (美元)

Prudential Hong Kong Limited

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Your premium

US$411 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

—

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	$155 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$2,323 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$130 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$555 per Policy Year
(e) Intensive care (e) 深切治療	$452 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$646
Surgeon's fee — Intermediate 外科醫生費 — 中型	$1,613
Surgeon's fee — Major 外科醫生費 — 大型	$3,226
Surgeon's fee — Complex 外科醫生費 — 複雜	$6,452
(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	$2,581 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	$12,904 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	$142, per visit, $568 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	$3,871 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 手術後家中護理	$78 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	$11,613 per Policy Year
Emergency outpatient treatment for Accident 意外門診治療	$723 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）	$97 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	$52 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	$78 per day, maximum 180 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故保障	$1,033 per policy
Accidental Death benefit 意外身故保障	$1,033 per policy
Medical accident and incident extension benefit 醫療意外及事故保障	$11,355 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$155 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$2,323 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$130 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$555 per Policy Year
(e) Intensive care
(e) 深切治療
$452 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$646
Surgeon's fee — Intermediate
外科醫生費 — 中型
$1,613
Surgeon's fee — Major
外科醫生費 — 大型
$3,226
Surgeon's fee — Complex
外科醫生費 — 複雜
$6,452
(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
$2,581 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
$12,904 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
$142, per visit, $568 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
$3,871 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
手術後家中護理
$78 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
$11,613 per Policy Year
Emergency outpatient treatment for Accident
意外門診治療
$723 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）
$97 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
$52 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
$78 per day, maximum 180 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故保障
$1,033 per policy
Accidental Death benefit
意外身故保障
$1,033 per policy
Medical accident and incident extension benefit
醫療意外及事故保障
$11,355 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$659	US$615
1	US$646	US$597
2	US$614	US$561
3	US$577	US$522
4	US$528	US$471
5	US$470	US$420
6	US$423	US$378
7	US$385	US$344
8	US$354	US$316
9	US$338	US$299
10	US$335	US$298
11	US$331	US$298
12	US$328	US$297
13	US$324	US$297
14	US$321	US$296
15	US$327	US$308
16	US$332	US$320
17	US$338	US$333
18	US$344	US$346
19	US$350	US$360
20	US$354	US$374
21	US$359	US$390
22	US$363	US$406
23	US$368	US$422
24	US$372	US$440
25	US$377	US$457
26	US$381	US$476
27	US$386	US$496
28	US$391	US$516
29	US$396	US$537
30	US$411	US$555
31	US$427	US$573
32	US$444	US$592
33	US$461	US$611
34	US$479	US$631
35	US$498	US$652
36	US$517	US$673
37	US$537	US$696
38	US$558	US$718
39	US$580	US$742
40	US$606	US$773
41	US$634	US$806
42	US$663	US$840
43	US$693	US$876
44	US$725	US$913
45	US$758	US$952
46	US$793	US$992
47	US$829	US$1,034
48	US$867	US$1,078
49	US$906	US$1,123
50	US$950	US$1,151
51	US$996	US$1,180
52	US$1,044	US$1,209
53	US$1,095	US$1,239
54	US$1,148	US$1,270
55	US$1,204	US$1,301
56	US$1,262	US$1,334
57	US$1,323	US$1,367
58	US$1,387	US$1,401
59	US$1,454	US$1,436
60	US$1,576	US$1,529
61	US$1,707	US$1,630
62	US$1,850	US$1,736
63	US$2,004	US$1,850
64	US$2,171	US$1,971
65	US$2,275	US$2,067
66	US$2,384	US$2,168
67	US$2,498	US$2,274
68	US$2,618	US$2,386
69	US$2,743	US$2,502
70	US$2,859	US$2,608
71	US$2,979	US$2,718
72	US$3,105	US$2,833
73	US$3,235	US$2,952
74	US$3,372	US$3,077
75	US$3,495	US$3,184
76	US$3,623	US$3,295
77	US$3,755	US$3,409
78	US$3,893	US$3,528
79	US$4,035	US$3,651
80	US$4,124	US$3,731
81	US$4,213	US$3,811
82	US$4,302	US$3,891
83	US$4,390	US$3,971
84	US$4,479	US$4,052
85	US$4,568	US$4,132
86	US$4,656	US$4,202
87	US$4,730	US$4,273
88	US$4,806	US$4,329
89	US$4,864	US$4,385
90	US$4,922	US$4,429
91	US$4,966	US$4,473
92	US$4,993	US$4,509
93	US$5,017	US$4,541
94	US$5,042	US$4,563
95	US$5,066	US$4,585
96	US$5,090	US$4,608
97	US$5,115	US$4,630
98	US$5,140	US$4,652
99	US$5,165	US$4,675
100	US$5,190	US$4,698
101	US$5,215	US$4,721
102	US$5,240	US$4,744
103	US$5,265	US$4,767
104	US$5,291	US$4,790
105	US$5,316	US$4,814
106	US$5,342	US$4,837
107	US$5,368	US$4,861
108	US$5,394	US$4,884
109	US$5,420	US$4,908
110	US$5,446	US$4,932
111	US$5,472	US$4,956
112	US$5,499	US$4,980
113	US$5,525	US$5,004
114	US$5,552	US$5,029
115	US$5,579	US$5,053
116	US$5,606	US$5,078
117	US$5,633	US$5,103
118	US$5,660	US$5,128
119	US$5,687	US$5,153
120	US$5,715	US$5,178

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: 2026-04-25

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.