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VHIS Flexi · F00013-03-000-06

PRUHealth FlexiChoice Medical Plan - Private Room (HKD)

保誠靈活自主醫保計劃 - 私家病房 (港元)

Prudential Hong Kong Limited

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Your premium

HK$12,170 /yr

age

Ward class

Standard Private Room

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	$4,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$36,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$4,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$12,280 per Policy Year
(e) Intensive care (e) 深切治療	$9,600 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$11,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$27,500
Surgeon's fee — Major 外科醫生費 — 大型	$55,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$110,000
(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	$40,000 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	$225,000 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	$2,000, per visit, $8,000 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	$40,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 手術後家中護理	$1,360 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	$200,000 per Policy Year
Emergency outpatient treatment for Accident 意外門診治療	$13,600 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）	$1,500 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	$800 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	$1,000 per day, maximum 180 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故保障	$40,000 per policy
Accidental Death benefit 意外身故保障	$40,000 per policy
Medical accident and incident extension benefit 醫療意外及事故保障	$344,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$4,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$36,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$4,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$12,280 per Policy Year
(e) Intensive care
(e) 深切治療
$9,600 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$11,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$27,500
Surgeon's fee — Major
外科醫生費 — 大型
$55,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$110,000
(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
$40,000 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
$225,000 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
$2,000, per visit, $8,000 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
$40,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
手術後家中護理
$1,360 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
$200,000 per Policy Year
Emergency outpatient treatment for Accident
意外門診治療
$13,600 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）
$1,500 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
$800 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
$1,000 per day, maximum 180 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故保障
$40,000 per policy
Accidental Death benefit
意外身故保障
$40,000 per policy
Medical accident and incident extension benefit
醫療意外及事故保障
$344,000 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$19,197	HK$17,652
1	HK$18,252	HK$16,841
2	HK$16,974	HK$15,609
3	HK$15,515	HK$14,316
4	HK$13,898	HK$12,777
5	HK$12,218	HK$11,236
6	HK$10,875	HK$10,113
7	HK$9,788	HK$9,203
8	HK$9,397	HK$8,825
9	HK$9,158	HK$8,678
10	HK$9,130	HK$8,619
11	HK$9,102	HK$8,560
12	HK$9,075	HK$8,502
13	HK$9,047	HK$8,445
14	HK$9,019	HK$8,387
15	HK$9,330	HK$8,715
16	HK$9,652	HK$9,056
17	HK$9,984	HK$9,411
18	HK$10,328	HK$9,779
19	HK$10,684	HK$10,162
20	HK$10,792	HK$10,572
21	HK$10,901	HK$10,998
22	HK$11,012	HK$11,442
23	HK$11,123	HK$11,904
24	HK$11,236	HK$12,384
25	HK$11,349	HK$12,884
26	HK$11,464	HK$13,404
27	HK$11,580	HK$13,945
28	HK$11,697	HK$14,508
29	HK$11,816	HK$15,093
30	HK$12,170	HK$15,594
31	HK$12,535	HK$16,111
32	HK$12,910	HK$16,646
33	HK$13,297	HK$17,198
34	HK$13,696	HK$17,768
35	HK$14,106	HK$18,358
36	HK$14,529	HK$18,967
37	HK$14,965	HK$19,596
38	HK$15,413	HK$20,246
39	HK$15,875	HK$20,918
40	HK$16,658	HK$21,741
41	HK$17,479	HK$22,596
42	HK$18,341	HK$23,485
43	HK$19,245	HK$24,409
44	HK$20,193	HK$25,369
45	HK$21,189	HK$26,368
46	HK$22,233	HK$27,405
47	HK$23,330	HK$28,483
48	HK$24,480	HK$29,604
49	HK$25,687	HK$30,769
50	HK$27,010	HK$31,668
51	HK$28,401	HK$32,593
52	HK$29,864	HK$33,546
53	HK$31,403	HK$34,526
54	HK$33,020	HK$35,536
55	HK$34,721	HK$36,574
56	HK$36,510	HK$37,643
57	HK$38,391	HK$38,743
58	HK$40,369	HK$39,876
59	HK$42,449	HK$41,041
60	HK$45,527	HK$44,011
61	HK$48,829	HK$47,196
62	HK$52,370	HK$50,611
63	HK$56,168	HK$54,274
64	HK$60,241	HK$58,201
65	HK$64,008	HK$61,356
66	HK$67,775	HK$64,683
67	HK$71,502	HK$68,190
68	HK$74,928	HK$71,887
69	HK$78,784	HK$75,785
70	HK$82,755	HK$79,207
71	HK$86,700	HK$82,785
72	HK$90,632	HK$86,524
73	HK$94,544	HK$90,432
74	HK$98,449	HK$94,516
75	HK$102,324	HK$98,261
76	HK$106,180	HK$102,069
77	HK$110,054	HK$106,023
78	HK$114,048	HK$109,995
79	HK$119,098	HK$114,048
80	HK$121,867	HK$117,001
81	HK$124,473	HK$119,492
82	HK$127,079	HK$121,984
83	HK$129,685	HK$124,472
84	HK$132,286	HK$126,964
85	HK$134,892	HK$129,455
86	HK$137,185	HK$131,655
87	HK$139,517	HK$133,894
88	HK$141,331	HK$135,634
89	HK$143,168	HK$137,397
90	HK$144,457	HK$138,634
91	HK$145,757	HK$139,881
92	HK$147,068	HK$141,140
93	HK$148,265	HK$142,267
94	HK$149,006	HK$142,989
95	HK$149,742	HK$143,709
96	HK$150,483	HK$144,429
97	HK$151,219	HK$145,149
98	HK$151,957	HK$145,868
99	HK$152,699	HK$146,592
100	HK$153,445	HK$147,319
101	HK$154,194	HK$148,050
102	HK$154,947	HK$148,784
103	HK$155,703	HK$149,522
104	HK$156,464	HK$150,263
105	HK$157,228	HK$151,009
106	HK$157,995	HK$151,758
107	HK$158,767	HK$152,510
108	HK$159,542	HK$153,267
109	HK$160,321	HK$154,027
110	HK$161,104	HK$154,791
111	HK$161,890	HK$155,558
112	HK$162,681	HK$156,330
113	HK$163,475	HK$157,105
114	HK$164,273	HK$157,884
115	HK$165,075	HK$158,667
116	HK$165,881	HK$159,454
117	HK$166,691	HK$160,245
118	HK$167,505	HK$161,040
119	HK$168,323	HK$161,838
120	HK$169,145	HK$162,641

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.