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VHIS FlexiF00013-03-001-06

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)

PRUHealth FlexiChoice Medical Plan - Private Room with SMM (HKD) is a VHIS Flexi plan offered by Prudential Hong Kong Limited, with basic and extra: No ward-class restriction; SMM: Standard Private Room, 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$19,925 /yr

age

Ward class

Basic and extra: No ward-class restriction; SMM: Standard Private Room

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$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	每日$4,500 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	每保單年度 $36,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日$4,000 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	每保單年度 $12,280
(e) Intensive care (e) 深切治療	每日$9,600 每保單年度最多90日
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	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 $40,000 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 $225,000
(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$2,000，每保單年度 $8,000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 $40,000
Extra Benefits
Hospital companion bed fee reimbursement 住院陪床	每日$1,000 每保單年度最多180日
Home nursing 手術後家中護理	每次$1,360 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 $200,000
Emergency outpatient treatment for Accident 意外門診治療	每次受傷 $13,600
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$1,500 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$800 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 $40,000
Accidental Death benefit 意外身故保障	每保單 $40,000
Medical accident and incident extension benefit 醫療意外及事故保障	每保單 $344,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
每日$4,500 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度 $36,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日$4,000 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
每保單年度 $12,280
(e) Intensive care
(e) 深切治療
每日$9,600 每保單年度最多90日
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
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 $40,000 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 $225,000
(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$2,000，每保單年度 $8,000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 $40,000

Extra Benefits

Hospital companion bed fee reimbursement
住院陪床
每日$1,000 每保單年度最多180日
Home nursing
手術後家中護理
每次$1,360 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 $200,000
Emergency outpatient treatment for Accident
意外門診治療
每次受傷 $13,600
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$1,500 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$800 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 $40,000
Accidental Death benefit
意外身故保障
每保單 $40,000
Medical accident and incident extension benefit
醫療意外及事故保障
每保單 $344,000

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/F00013-03-001-06-PlanDoc-c.pdf · p.25

Premium Schedule

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

Age	Male	Female
0	HK$26,125	HK$22,537
1	HK$24,839	HK$21,425
2	HK$23,021	HK$19,858
3	HK$21,141	HK$18,236
4	HK$19,256	HK$16,323
5	HK$16,909	HK$14,304
6	HK$15,219	HK$13,160
7	HK$14,251	HK$12,298
8	HK$13,910	HK$12,047
9	HK$13,772	HK$11,736
10	HK$13,665	HK$11,618
11	HK$13,560	HK$11,501
12	HK$13,455	HK$11,384
13	HK$13,351	HK$11,270
14	HK$13,248	HK$11,156
15	HK$13,462	HK$11,475
16	HK$13,681	HK$11,802
17	HK$13,902	HK$12,140
18	HK$14,128	HK$12,486
19	HK$14,356	HK$12,843
20	HK$14,736	HK$13,714
21	HK$15,125	HK$14,795
22	HK$15,525	HK$15,430
23	HK$15,936	HK$16,518
24	HK$16,357	HK$17,832
25	HK$16,900	HK$18,680
26	HK$17,461	HK$19,569
27	HK$18,041	HK$20,500
28	HK$18,640	HK$21,475
29	HK$19,259	HK$22,497
30	HK$19,925	HK$23,305
31	HK$20,615	HK$24,141
32	HK$21,327	HK$25,008
33	HK$22,065	HK$25,906
34	HK$22,828	HK$26,836
35	HK$23,618	HK$27,800
36	HK$24,434	HK$28,798
37	HK$25,280	HK$29,832
38	HK$26,154	HK$30,903
39	HK$27,058	HK$32,013
40	HK$27,835	HK$33,191
41	HK$28,633	HK$34,413
42	HK$29,455	HK$35,680
43	HK$30,300	HK$36,993
44	HK$31,169	HK$38,355
45	HK$32,927	HK$39,766
46	HK$34,784	HK$41,230
47	HK$36,747	HK$42,748
48	HK$38,820	HK$44,321
49	HK$41,009	HK$45,953
50	HK$42,589	HK$47,190
51	HK$44,230	HK$48,460
52	HK$45,935	HK$49,765
53	HK$47,705	HK$51,104
54	HK$49,543	HK$52,480
55	HK$52,210	HK$53,893
56	HK$55,020	HK$55,344
57	HK$57,982	HK$56,834
58	HK$61,103	HK$58,364
59	HK$64,392	HK$59,935
60	HK$70,651	HK$64,020
61	HK$77,517	HK$68,384
62	HK$85,051	HK$73,045
63	HK$93,316	HK$78,024
64	HK$102,386	HK$83,342
65	HK$107,212	HK$87,675
66	HK$112,038	HK$92,234
67	HK$116,863	HK$97,030
68	HK$121,689	HK$102,076
69	HK$126,515	HK$107,384
70	HK$131,928	HK$112,382
71	HK$137,342	HK$117,613
72	HK$142,755	HK$123,088
73	HK$148,169	HK$128,817
74	HK$153,582	HK$134,813
75	HK$159,179	HK$140,127
76	HK$164,902	HK$145,442
77	HK$170,263	HK$150,755
78	HK$175,578	HK$156,069
79	HK$182,383	HK$161,359
80	HK$185,985	HK$164,882
81	HK$189,005	HK$168,398
82	HK$192,368	HK$171,921
83	HK$196,108	HK$175,437
84	HK$199,632	HK$178,960
85	HK$203,146	HK$182,477
86	HK$206,193	HK$185,579
87	HK$209,286	HK$188,733
88	HK$211,797	HK$191,187
89	HK$214,339	HK$193,672
90	HK$216,268	HK$195,415
91	HK$218,214	HK$197,174
92	HK$220,178	HK$198,948
93	HK$221,432	HK$200,521
94	HK$222,307	HK$201,521
95	HK$223,180	HK$202,517
96	HK$224,049	HK$203,512
97	HK$225,150	HK$204,509
98	HK$226,245	HK$205,508
99	HK$227,346	HK$206,512
100	HK$228,452	HK$207,522
101	HK$229,563	HK$208,536
102	HK$230,680	HK$209,555
103	HK$231,802	HK$210,579
104	HK$232,929	HK$211,607
105	HK$234,062	HK$212,641
106	HK$235,201	HK$213,681
107	HK$236,345	HK$214,725
108	HK$237,494	HK$215,774
109	HK$238,650	HK$216,828
110	HK$239,811	HK$217,888
111	HK$240,977	HK$218,952
112	HK$242,149	HK$220,022
113	HK$243,327	HK$221,097
114	HK$244,511	HK$222,178
115	HK$245,700	HK$223,263
116	HK$246,895	HK$224,354
117	HK$248,096	HK$225,451
118	HK$249,303	HK$226,552
119	HK$250,516	HK$227,659
120	HK$251,734	HK$228,772

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)

Current page

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 - Private Room with SMM (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