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VHIS Flexi · F00013-01-002-06

PRUHealth FlexiChoice Medical Plan - Ward with SMM 2 (HKD)

保誠靈活自主醫保計劃 - 普通病房+額外醫療計劃二 (港元)

Prudential Hong Kong Limited

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Your premium

HK$6,341 /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

HK$276,000／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	$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$18,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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	$20,000 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	$100,000 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	$1,100, per visit, $4,400 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	$30,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 手術後家中護理	$600 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	$90,000 per Policy Year
Emergency outpatient treatment for Accident 意外門診治療	$5,600 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）	$750 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	$400 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	$600 per day, maximum 180 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故保障	$8,000 per policy
Accidental Death benefit 意外身故保障	$8,000 per policy
Medical accident and incident extension benefit 醫療意外及事故保障	$88,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$18,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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
$20,000 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
$100,000 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
$1,100, per visit, $4,400 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
$30,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
手術後家中護理
$600 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
$90,000 per Policy Year
Emergency outpatient treatment for Accident
意外門診治療
$5,600 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）
$750 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
$400 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
$600 per day, maximum 180 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故保障
$8,000 per policy
Accidental Death benefit
意外身故保障
$8,000 per policy
Medical accident and incident extension benefit
醫療意外及事故保障
$88,000 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$8,681	HK$7,644
1	HK$8,600	HK$7,497
2	HK$8,269	HK$7,144
3	HK$7,664	HK$6,683
4	HK$6,928	HK$6,105
5	HK$6,063	HK$5,374
6	HK$5,549	HK$4,906
7	HK$5,054	HK$4,387
8	HK$4,828	HK$4,100
9	HK$4,795	HK$4,003
10	HK$4,798	HK$4,008
11	HK$4,801	HK$4,014
12	HK$4,805	HK$4,019
13	HK$4,808	HK$4,025
14	HK$4,811	HK$4,031
15	HK$4,897	HK$4,143
16	HK$4,983	HK$4,258
17	HK$5,072	HK$4,376
18	HK$5,162	HK$4,497
19	HK$5,253	HK$4,622
20	HK$5,336	HK$4,892
21	HK$5,421	HK$5,177
22	HK$5,507	HK$5,479
23	HK$5,594	HK$5,799
24	HK$5,683	HK$6,137
25	HK$5,773	HK$6,495
26	HK$5,865	HK$6,874
27	HK$5,957	HK$7,275
28	HK$6,052	HK$7,685
29	HK$6,148	HK$8,149
30	HK$6,341	HK$8,432
31	HK$6,541	HK$8,725
32	HK$6,746	HK$9,028
33	HK$6,958	HK$9,341
34	HK$7,177	HK$9,665
35	HK$7,403	HK$10,001
36	HK$7,636	HK$10,208
37	HK$7,876	HK$10,537
38	HK$8,124	HK$10,865
39	HK$8,379	HK$11,464
40	HK$8,809	HK$11,849
41	HK$9,260	HK$12,260
42	HK$9,734	HK$12,679
43	HK$10,233	HK$13,156
44	HK$10,751	HK$13,869
45	HK$11,239	HK$14,268
46	HK$11,887	HK$14,672
47	HK$12,496	HK$15,081
48	HK$13,136	HK$15,509
49	HK$13,810	HK$16,039
50	HK$14,391	HK$16,395
51	HK$15,060	HK$16,750
52	HK$15,642	HK$17,106
53	HK$16,253	HK$17,462
54	HK$17,158	HK$17,818
55	HK$18,034	HK$18,467
56	HK$18,915	HK$19,004
57	HK$19,784	HK$19,518
58	HK$20,694	HK$20,002
59	HK$21,645	HK$20,500
60	HK$23,198	HK$22,022
61	HK$24,862	HK$23,470
62	HK$26,645	HK$24,919
63	HK$28,557	HK$26,107
64	HK$30,605	HK$27,575
65	HK$32,080	HK$28,959
66	HK$33,626	HK$30,412
67	HK$35,246	HK$31,939
68	HK$36,945	HK$33,542
69	HK$38,725	HK$35,226
70	HK$40,600	HK$36,736
71	HK$42,566	HK$38,311
72	HK$44,627	HK$39,953
73	HK$46,788	HK$41,666
74	HK$49,053	HK$43,452
75	HK$50,963	HK$45,251
76	HK$52,871	HK$47,069
77	HK$54,780	HK$48,904
78	HK$56,686	HK$50,765
79	HK$59,151	HK$52,631
80	HK$60,440	HK$54,004
81	HK$61,729	HK$55,160
82	HK$63,022	HK$56,315
83	HK$64,309	HK$57,471
84	HK$65,595	HK$58,624
85	HK$66,887	HK$59,783
86	HK$68,174	HK$60,799
87	HK$69,265	HK$61,833
88	HK$70,373	HK$62,637
89	HK$71,217	HK$63,451
90	HK$72,072	HK$64,085
91	HK$72,720	HK$64,726
92	HK$73,132	HK$65,244
93	HK$73,510	HK$65,686
94	HK$73,881	HK$66,009
95	HK$74,250	HK$66,335
96	HK$74,624	HK$66,661
97	HK$74,993	HK$66,984
98	HK$75,365	HK$67,308
99	HK$75,738	HK$67,632
100	HK$76,114	HK$67,959
101	HK$76,491	HK$68,287
102	HK$76,870	HK$68,617
103	HK$77,251	HK$68,948
104	HK$77,634	HK$69,281
105	HK$78,019	HK$69,615
106	HK$78,406	HK$69,951
107	HK$78,794	HK$70,289
108	HK$79,185	HK$70,628
109	HK$79,577	HK$70,969
110	HK$79,972	HK$71,312
111	HK$80,368	HK$71,656
112	HK$80,767	HK$72,002
113	HK$81,167	HK$72,350
114	HK$81,569	HK$72,699
115	HK$81,974	HK$73,050
116	HK$82,380	HK$73,402
117	HK$82,788	HK$73,757
118	HK$83,199	HK$74,113
119	HK$83,611	HK$74,471
120	HK$84,025	HK$74,830

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.