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VHIS FlexiF00013-01-002-06

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)

PRUHealth FlexiChoice Medical Plan - Ward with SMM 2 (HKD) is a VHIS Flexi plan offered by Prudential Hong Kong Limited, with basic and extra: No ward-class restriction; SMM: Ward, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Oct 1, 2026.

01 · Plan at a glance

Quote a premium by age, gender and smoking status

Your premium

HK$6,786 /yr

age

Ward class

Basic and extra: No ward-class restriction; SMM: Ward

Coverage region

Worldwide (including United States)

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	每日$1,200 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	每保單年度 $18,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日$1,000 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	每保單年度 $4,300
(e) Intensive care (e) 深切治療	每日$3,500 每保單年度最多90日
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	外科醫生費的35%
(h) Operating theatre charges (h) 手術室費	外科醫生費的35%
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	每保單年度 $20,000 設30% 共同保險（如補充文件 — 保障第3節所述之條件已完全符合，共同保險則為0%）
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	每保單年度 $100,000
(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	每次$1,100，每保單年度 $4,400住院 / 日間手術前最多1次門診或急症診症出院 / 日間手術後90日內最多3次跟進門診
(l) Psychiatric treatments (l) 精神科治療	每保單年度 $30,000
Extra Benefits
Hospital companion bed fee reimbursement 住院陪床	每日$600 每保單年度最多180日
Home nursing 手術後家中護理	每次$600 每保單年度最多15次（每日1次） • 出院 / 日間手術後31日內
Outpatient kidney dialysis 透析治療	每保單年度 $90,000
Emergency outpatient treatment for Accident 意外門診治療	每次受傷 $5,600
Post-Confinement / Day Case Procedure auxiliary therapy 輔助服務（物理治療 / 職業治療 / 言語治療 / 脊椎治療）	每次$750 每保單年度最多10次住院 / 日間手術前最多1次診治出院 / 日間手術後90日內的診治
Chinese Medicine Practitioner outpatient care 中醫指定癌症治療	每次$400 每保單年度最多15次（每日1次） • 出院 / 訂明非手術癌症治療後90日內
Complications of pregnancy 妊娠期併發症	根據保障項目I (a)–I (i) 、I (k) 、II (a) 及II (b) 的相關賠償限額支付
Event Benefits
Compassionate death benefit 恩恤身故保障	每保單 $8,000
Accidental Death benefit 意外身故保障	每保單 $8,000
Medical accident and incident extension benefit 醫療意外及事故保障	每保單 $88,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
每日$1,200 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度 $18,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日$1,000 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
每保單年度 $4,300
(e) Intensive care
(e) 深切治療
每日$3,500 每保單年度最多90日
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
外科醫生費的35%
(h) Operating theatre charges
(h) 手術室費
外科醫生費的35%
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
每保單年度 $20,000 設30% 共同保險（如補充文件 — 保障第3節所述之條件已完全符合，共同保險則為0%）
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
每保單年度 $100,000
(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
每次$1,100，每保單年度 $4,400住院 / 日間手術前最多1次門診或急症診症出院 / 日間手術後90日內最多3次跟進門診
(l) Psychiatric treatments
(l) 精神科治療
每保單年度 $30,000

Extra Benefits

Hospital companion bed fee reimbursement
住院陪床
每日$600 每保單年度最多180日
Home nursing
手術後家中護理
每次$600 每保單年度最多15次（每日1次） • 出院 / 日間手術後31日內
Outpatient kidney dialysis
透析治療
每保單年度 $90,000
Emergency outpatient treatment for Accident
意外門診治療
每次受傷 $5,600
Post-Confinement / Day Case Procedure auxiliary therapy
輔助服務（物理治療 / 職業治療 / 言語治療 / 脊椎治療）
每次$750 每保單年度最多10次住院 / 日間手術前最多1次診治出院 / 日間手術後90日內的診治
Chinese Medicine Practitioner outpatient care
中醫指定癌症治療
每次$400 每保單年度最多15次（每日1次） • 出院 / 訂明非手術癌症治療後90日內
Complications of pregnancy
妊娠期併發症
根據保障項目I (a)–I (i) 、I (k) 、II (a) 及II (b) 的相關賠償限額支付

Event Benefits

Compassionate death benefit
恩恤身故保障
每保單 $8,000
Accidental Death benefit
意外身故保障
每保單 $8,000
Medical accident and incident extension benefit
醫療意外及事故保障
每保單 $88,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Deposited to premium savings account

15% (savings account)

Claims that do NOT break the streak

指定日間手術的指定保障賠償
網絡日間手術的指定保障賠償

Verbatim clause

無索償折扣（以下第 1 節旨在補充條款及保障第三部分的保費條文。）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（為免存疑，此包括於該續保日到期之保費）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。指定日間手術已列明於「保誠靈活自主醫保計劃 – 指定日間手術表」內。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%。就釐定無索償折扣而言，任何按本條款及保障已付的賠償會按以下計算所屬的保單年度： (i) 如受保人住院，以該次住院的入院日期計算；或 (ii) 如受保人以日症病人身份接受醫療服務，以該次接受醫療服務的日期計算。假如在支付無索償折扣後，本公司在其後就任何於有關期間內的保障根據本條款及保障作出應付賠償，無索償折扣將因應相關應付賠償重新計算，及保單持有人須向本公司歸還重新計算的金額及實際已支付予保單持有人的無索償折扣之差額。如未歸還，本公司將以債項形式向保單持有人全數追討有關之款項。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00013/F00013-01-002-06-PlanDoc-c.pdf · p.25

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$9,289	HK$8,180
1	HK$9,202	HK$8,023
2	HK$8,849	HK$7,645
3	HK$8,201	HK$7,151
4	HK$7,414	HK$6,533
5	HK$6,488	HK$5,751
6	HK$5,938	HK$5,250
7	HK$5,408	HK$4,695
8	HK$5,167	HK$4,388
9	HK$5,131	HK$4,284
10	HK$5,135	HK$4,290
11	HK$5,138	HK$4,296
12	HK$5,142	HK$4,302
13	HK$5,145	HK$4,308
14	HK$5,149	HK$4,314
15	HK$5,240	HK$4,433
16	HK$5,333	HK$4,556
17	HK$5,428	HK$4,683
18	HK$5,524	HK$4,813
19	HK$5,622	HK$4,946
20	HK$5,711	HK$5,235
21	HK$5,802	HK$5,540
22	HK$5,893	HK$5,864
23	HK$5,987	HK$6,206
24	HK$6,082	HK$6,568
25	HK$6,178	HK$6,951
26	HK$6,276	HK$7,356
27	HK$6,375	HK$7,786
28	HK$6,476	HK$8,224
29	HK$6,579	HK$8,721
30	HK$6,786	HK$9,023
31	HK$6,999	HK$9,337
32	HK$7,219	HK$9,661
33	HK$7,446	HK$9,996
34	HK$7,681	HK$10,343
35	HK$7,922	HK$10,702
36	HK$8,171	HK$10,924
37	HK$8,428	HK$11,275
38	HK$8,693	HK$11,626
39	HK$8,967	HK$12,267
40	HK$9,426	HK$12,680
41	HK$9,909	HK$13,119
42	HK$10,416	HK$13,567
43	HK$10,950	HK$14,078
44	HK$11,505	HK$14,841
45	HK$12,026	HK$15,268
46	HK$12,720	HK$15,700
47	HK$13,372	HK$16,138
48	HK$14,057	HK$16,596
49	HK$14,777	HK$17,162
50	HK$15,399	HK$17,543
51	HK$16,115	HK$17,924
52	HK$16,738	HK$18,305
53	HK$17,391	HK$18,685
54	HK$18,360	HK$19,066
55	HK$19,297	HK$19,760
56	HK$20,240	HK$20,335
57	HK$21,170	HK$20,885
58	HK$22,143	HK$21,403
59	HK$23,161	HK$21,935
60	HK$24,822	HK$23,564
61	HK$26,603	HK$25,114
62	HK$28,511	HK$26,665
63	HK$30,556	HK$27,935
64	HK$32,748	HK$29,506
65	HK$34,327	HK$30,987
66	HK$35,981	HK$32,542
67	HK$37,715	HK$34,175
68	HK$39,532	HK$35,891
69	HK$41,437	HK$37,692
70	HK$43,443	HK$39,308
71	HK$45,547	HK$40,993
72	HK$47,752	HK$42,751
73	HK$50,064	HK$44,583
74	HK$52,488	HK$46,495
75	HK$54,531	HK$48,420
76	HK$56,573	HK$50,365
77	HK$58,616	HK$52,328
78	HK$60,655	HK$54,319
79	HK$63,292	HK$56,316
80	HK$64,672	HK$57,785
81	HK$66,051	HK$59,022
82	HK$67,434	HK$60,258
83	HK$68,811	HK$61,495
84	HK$70,187	HK$62,729
85	HK$71,570	HK$63,969
86	HK$72,947	HK$65,056
87	HK$74,114	HK$66,162
88	HK$75,300	HK$67,022
89	HK$76,203	HK$67,893
90	HK$77,118	HK$68,572
91	HK$77,811	HK$69,258
92	HK$78,252	HK$69,812
93	HK$78,656	HK$70,284
94	HK$79,054	HK$70,630
95	HK$79,448	HK$70,979
96	HK$79,849	HK$71,328
97	HK$80,243	HK$71,674
98	HK$80,641	HK$72,020
99	HK$81,041	HK$72,367
100	HK$81,442	HK$72,717
101	HK$81,846	HK$73,068
102	HK$82,252	HK$73,421
103	HK$82,659	HK$73,775
104	HK$83,069	HK$74,131
105	HK$83,481	HK$74,489
106	HK$83,895	HK$74,849
107	HK$84,311	HK$75,210
108	HK$84,729	HK$75,573
109	HK$85,149	HK$75,938
110	HK$85,571	HK$76,304
111	HK$85,995	HK$76,673
112	HK$86,421	HK$77,043
113	HK$86,849	HK$77,415
114	HK$87,280	HK$77,788
115	HK$87,713	HK$78,164
116	HK$88,147	HK$78,541
117	HK$88,584	HK$78,920
118	HK$89,023	HK$79,302
119	HK$89,465	HK$79,684
120	HK$89,908	HK$80,069

How to apply for this plan

This plan is offered by Prudential Hong Kong Limited. To apply, contact Prudential Hong Kong Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

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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Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Oct 1, 2026
Plan data updated: 2026-10-05

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

01 · Plan at a glance

Coverage Tiers & Conditions

Delayed onset

Benefits

No-Claim Bonus

Claims that do NOT break the streak

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款