← Back to PRUHealth FlexiChoice Medical Plan series

VHIS Flexi · F00013-04-001-06

PRUHealth FlexiChoice Medical Plan - Ward with SMM 1 (USD)

保誠靈活自主醫保計劃 - 普通病房+額外醫療計劃一 (美元)

Prudential Hong Kong Limited

Add to compare

Your premium

US$682 /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

US$139,785／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	$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)
Supplementary Major Medical Benefit 額外醫療計劃	US$17,807 per Disability per Policy Year (Network); US$14,839 (Non-Network — 80% reimbursement). Network: full reimbursement; Non-Network: 80%.
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)
Supplementary Major Medical Benefit
額外醫療計劃
US$17,807 per Disability per Policy Year (Network); US$14,839 (Non-Network — 80% reimbursement). Network: full reimbursement; Non-Network: 80%.

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$934	US$822
1	US$925	US$806
2	US$889	US$768
3	US$824	US$719
4	US$745	US$657
5	US$652	US$578
6	US$597	US$528
7	US$544	US$472
8	US$519	US$441
9	US$516	US$431
10	US$516	US$431
11	US$516	US$432
12	US$517	US$432
13	US$517	US$433
14	US$517	US$434
15	US$527	US$446
16	US$536	US$458
17	US$546	US$471
18	US$555	US$484
19	US$565	US$497
20	US$574	US$526
21	US$583	US$557
22	US$592	US$589
23	US$602	US$624
24	US$611	US$660
25	US$621	US$699
26	US$631	US$739
27	US$641	US$782
28	US$651	US$827
29	US$661	US$876
30	US$682	US$907
31	US$703	US$938
32	US$726	US$971
33	US$748	US$1,005
34	US$772	US$1,039
35	US$796	US$1,076
36	US$821	US$1,098
37	US$847	US$1,133
38	US$874	US$1,168
39	US$901	US$1,233
40	US$947	US$1,274
41	US$996	US$1,318
42	US$1,047	US$1,363
43	US$1,100	US$1,415
44	US$1,156	US$1,491
45	US$1,209	US$1,534
46	US$1,278	US$1,578
47	US$1,344	US$1,622
48	US$1,413	US$1,668
49	US$1,485	US$1,725
50	US$1,548	US$1,763
51	US$1,620	US$1,801
52	US$1,682	US$1,840
53	US$1,748	US$1,878
54	US$1,845	US$1,916
55	US$1,939	US$1,986
56	US$2,034	US$2,044
57	US$2,128	US$2,099
58	US$2,225	US$2,151
59	US$2,328	US$2,204
60	US$2,495	US$2,368
61	US$2,673	US$2,524
62	US$2,865	US$2,680
63	US$3,071	US$2,807
64	US$3,291	US$2,965
65	US$3,450	US$3,114
66	US$3,616	US$3,270
67	US$3,790	US$3,434
68	US$3,973	US$3,607
69	US$4,164	US$3,788
70	US$4,366	US$3,950
71	US$4,577	US$4,120
72	US$4,799	US$4,296
73	US$5,031	US$4,480
74	US$5,275	US$4,672
75	US$5,480	US$4,866
76	US$5,685	US$5,061
77	US$5,890	US$5,259
78	US$6,095	US$5,459
79	US$6,360	US$5,659
80	US$6,499	US$5,807
81	US$6,638	US$5,931
82	US$6,777	US$6,056
83	US$6,915	US$6,180
84	US$7,053	US$6,304
85	US$7,192	US$6,428
86	US$7,331	US$6,538
87	US$7,448	US$6,649
88	US$7,567	US$6,735
89	US$7,658	US$6,823
90	US$7,750	US$6,891
91	US$7,820	US$6,960
92	US$7,864	US$7,016
93	US$7,904	US$7,063
94	US$7,944	US$7,098
95	US$7,984	US$7,133
96	US$8,024	US$7,168
97	US$8,064	US$7,203
98	US$8,104	US$7,238
99	US$8,144	US$7,272
100	US$8,184	US$7,308
101	US$8,225	US$7,343
102	US$8,266	US$7,378
103	US$8,307	US$7,414
104	US$8,348	US$7,450
105	US$8,389	US$7,486
106	US$8,431	US$7,522
107	US$8,473	US$7,558
108	US$8,515	US$7,595
109	US$8,557	US$7,631
110	US$8,599	US$7,668
111	US$8,642	US$7,705
112	US$8,685	US$7,742
113	US$8,728	US$7,780
114	US$8,771	US$7,817
115	US$8,814	US$7,855
116	US$8,858	US$7,893
117	US$8,902	US$7,931
118	US$8,946	US$7,969
119	US$8,991	US$8,008
120	US$9,035	US$8,046

Other deductible options in this series

16 deductibles — same benefit schedule, premium scales with deductible

Ward (HKD)

View details →

Ward with SMM 1 (HKD)

View details →

Ward with SMM 2 (HKD)

View details →

Semi-private Room (HKD)

View details →

Semi-private Room with SMM 1 (HKD)

View details →

Semi-private Room with SMM 2 (HKD)

View details →

Private Room (HKD)

View details →

Private Room with SMM (HKD)

View details →

Ward (USD)

View details →

Ward with SMM 1 (USD)

Current page

Ward with SMM 2 (USD)

View details →

Semi-private Room (USD)

View details →

Semi-private Room with SMM 1 (USD)

View details →

Semi-private Room with SMM 2 (USD)

View details →

Private Room (USD)

View details →

Private Room with SMM (USD)

View details →

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.