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VHIS Flexi · F00013-03-001-06

PRUHealth FlexiChoice Medical Plan - Private Room with SMM (HKD)

保誠靈活自主醫保計劃 - 私家病房+額外醫療計劃 (港元)

Prudential Hong Kong Limited

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Your premium

HK$18,621 /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

HK$552,000／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	$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$24,415	HK$21,062
1	HK$23,213	HK$20,023
2	HK$21,514	HK$18,558
3	HK$19,757	HK$17,042
4	HK$17,995	HK$15,254
5	HK$15,802	HK$13,368
6	HK$14,222	HK$12,299
7	HK$13,318	HK$11,493
8	HK$12,999	HK$11,258
9	HK$12,870	HK$10,968
10	HK$12,770	HK$10,857
11	HK$12,672	HK$10,747
12	HK$12,574	HK$10,639
13	HK$12,477	HK$10,532
14	HK$12,380	HK$10,425
15	HK$12,581	HK$10,723
16	HK$12,785	HK$11,029
17	HK$12,992	HK$11,345
18	HK$13,203	HK$11,669
19	HK$13,417	HK$12,002
20	HK$13,771	HK$12,816
21	HK$14,135	HK$13,826
22	HK$14,509	HK$14,420
23	HK$14,892	HK$15,436
24	HK$15,286	HK$16,664
25	HK$15,794	HK$17,457
26	HK$16,318	HK$18,288
27	HK$16,860	HK$19,158
28	HK$17,420	HK$20,070
29	HK$17,999	HK$21,024
30	HK$18,621	HK$21,779
31	HK$19,265	HK$22,561
32	HK$19,931	HK$23,371
33	HK$20,621	HK$24,211
34	HK$21,334	HK$25,080
35	HK$22,072	HK$25,980
36	HK$22,835	HK$26,913
37	HK$23,625	HK$27,880
38	HK$24,442	HK$28,881
39	HK$25,288	HK$29,918
40	HK$26,013	HK$31,019
41	HK$26,759	HK$32,161
42	HK$27,527	HK$33,345
43	HK$28,317	HK$34,572
44	HK$29,129	HK$35,845
45	HK$30,772	HK$37,164
46	HK$32,508	HK$38,532
47	HK$34,342	HK$39,950
48	HK$36,279	HK$41,421
49	HK$38,326	HK$42,946
50	HK$39,802	HK$44,102
51	HK$41,336	HK$45,289
52	HK$42,929	HK$46,508
53	HK$44,583	HK$47,760
54	HK$46,301	HK$49,046
55	HK$48,794	HK$50,367
56	HK$51,420	HK$51,722
57	HK$54,188	HK$53,115
58	HK$57,105	HK$54,545
59	HK$60,179	HK$56,013
60	HK$66,028	HK$59,831
61	HK$72,445	HK$63,909
62	HK$79,486	HK$68,265
63	HK$87,211	HK$72,919
64	HK$95,687	HK$77,889
65	HK$100,197	HK$81,939
66	HK$104,707	HK$86,200
67	HK$109,217	HK$90,682
68	HK$113,727	HK$95,397
69	HK$118,238	HK$100,358
70	HK$123,297	HK$105,029
71	HK$128,357	HK$109,918
72	HK$133,416	HK$115,035
73	HK$138,475	HK$120,389
74	HK$143,534	HK$125,993
75	HK$148,764	HK$130,959
76	HK$154,113	HK$135,926
77	HK$159,123	HK$140,892
78	HK$164,091	HK$145,858
79	HK$170,450	HK$150,802
80	HK$173,817	HK$154,094
81	HK$176,639	HK$157,381
82	HK$179,783	HK$160,673
83	HK$183,278	HK$163,959
84	HK$186,571	HK$167,252
85	HK$189,855	HK$170,538
86	HK$192,703	HK$173,437
87	HK$195,594	HK$176,385
88	HK$197,941	HK$178,679
89	HK$200,316	HK$181,001
90	HK$202,119	HK$182,630
91	HK$203,938	HK$184,274
92	HK$205,773	HK$185,932
93	HK$206,945	HK$187,402
94	HK$207,763	HK$188,336
95	HK$208,579	HK$189,268
96	HK$209,391	HK$190,198
97	HK$210,420	HK$191,129
98	HK$211,443	HK$192,063
99	HK$212,472	HK$193,002
100	HK$213,506	HK$193,945
101	HK$214,544	HK$194,892
102	HK$215,588	HK$195,845
103	HK$216,636	HK$196,802
104	HK$217,690	HK$197,763
105	HK$218,749	HK$198,730
106	HK$219,813	HK$199,701
107	HK$220,882	HK$200,676
108	HK$221,957	HK$201,657
109	HK$223,036	HK$202,643
110	HK$224,121	HK$203,633
111	HK$225,211	HK$204,628
112	HK$226,307	HK$205,627
113	HK$227,408	HK$206,632
114	HK$228,514	HK$207,642
115	HK$229,625	HK$208,657
116	HK$230,742	HK$209,676
117	HK$231,865	HK$210,701
118	HK$232,993	HK$211,730
119	HK$234,126	HK$212,765
120	HK$235,265	HK$213,804

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.