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VHIS Flexi · F00013-06-001-06

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

保誠靈活自主醫保計劃 - 私家病房+額外醫療計劃 (美元)

Prudential Hong Kong Limited

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Your premium

US$2,403 /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

US$559,124／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	$581 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$4,646 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$517 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$1,585 per Policy Year
(e) Intensive care (e) 深切治療	$1,239 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$1,420
Surgeon's fee — Intermediate 外科醫生費 — 中型	$3,549
Surgeon's fee — Major 外科醫生費 — 大型	$7,097
Surgeon's fee — Complex 外科醫生費 — 複雜	$14,194
(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	$5,162 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	$29,033 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	$259, per visit, $1,033 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	$5,162 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 手術後家中護理	$176 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	$25,807 per Policy Year
Emergency outpatient treatment for Accident 意外門診治療	$1,755 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）	$194 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	$104 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)
Supplementary Major Medical Benefit 額外醫療計劃	US$71,226 per Disability per Policy Year (Network); US$59,355 (Non-Network — 80% reimbursement). Network: full reimbursement; Non-Network: 80%.
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$130 per day, maximum 180 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故保障	$5,162 per policy
Accidental Death benefit 意外身故保障	$5,162 per policy
Medical accident and incident extension benefit 醫療意外及事故保障	$44,388 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$581 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$4,646 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$517 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$1,585 per Policy Year
(e) Intensive care
(e) 深切治療
$1,239 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$1,420
Surgeon's fee — Intermediate
外科醫生費 — 中型
$3,549
Surgeon's fee — Major
外科醫生費 — 大型
$7,097
Surgeon's fee — Complex
外科醫生費 — 複雜
$14,194
(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
$5,162 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
$29,033 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
$259, per visit, $1,033 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
$5,162 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
手術後家中護理
$176 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
$25,807 per Policy Year
Emergency outpatient treatment for Accident
意外門診治療
$1,755 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）
$194 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
$104 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)
Supplementary Major Medical Benefit
額外醫療計劃
US$71,226 per Disability per Policy Year (Network); US$59,355 (Non-Network — 80% reimbursement). Network: full reimbursement; Non-Network: 80%.

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$130 per day, maximum 180 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故保障
$5,162 per policy
Accidental Death benefit
意外身故保障
$5,162 per policy
Medical accident and incident extension benefit
醫療意外及事故保障
$44,388 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) · USD

Age	Male	Female
0	US$3,150	US$2,718
1	US$2,995	US$2,584
2	US$2,776	US$2,395
3	US$2,549	US$2,199
4	US$2,322	US$1,968
5	US$2,039	US$1,725
6	US$1,835	US$1,587
7	US$1,718	US$1,483
8	US$1,677	US$1,453
9	US$1,661	US$1,415
10	US$1,648	US$1,401
11	US$1,635	US$1,387
12	US$1,622	US$1,373
13	US$1,610	US$1,359
14	US$1,597	US$1,345
15	US$1,623	US$1,384
16	US$1,650	US$1,423
17	US$1,676	US$1,464
18	US$1,704	US$1,506
19	US$1,731	US$1,549
20	US$1,777	US$1,654
21	US$1,824	US$1,784
22	US$1,872	US$1,861
23	US$1,922	US$1,992
24	US$1,972	US$2,150
25	US$2,038	US$2,253
26	US$2,106	US$2,360
27	US$2,176	US$2,472
28	US$2,248	US$2,590
29	US$2,322	US$2,713
30	US$2,403	US$2,810
31	US$2,486	US$2,911
32	US$2,572	US$3,016
33	US$2,661	US$3,124
34	US$2,753	US$3,236
35	US$2,848	US$3,352
36	US$2,946	US$3,473
37	US$3,048	US$3,597
38	US$3,154	US$3,727
39	US$3,263	US$3,860
40	US$3,357	US$4,002
41	US$3,453	US$4,150
42	US$3,552	US$4,303
43	US$3,654	US$4,461
44	US$3,759	US$4,625
45	US$3,971	US$4,795
46	US$4,195	US$4,972
47	US$4,431	US$5,155
48	US$4,681	US$5,345
49	US$4,945	US$5,541
50	US$5,136	US$5,691
51	US$5,334	US$5,844
52	US$5,539	US$6,001
53	US$5,753	US$6,163
54	US$5,974	US$6,329
55	US$6,296	US$6,499
56	US$6,635	US$6,674
57	US$6,992	US$6,854
58	US$7,368	US$7,038
59	US$7,765	US$7,228
60	US$8,520	US$7,720
61	US$9,348	US$8,246
62	US$10,256	US$8,808
63	US$11,253	US$9,409
64	US$12,347	US$10,050
65	US$12,929	US$10,573
66	US$13,511	US$11,123
67	US$14,093	US$11,701
68	US$14,675	US$12,309
69	US$15,256	US$12,949
70	US$15,909	US$13,552
71	US$16,562	US$14,183
72	US$17,215	US$14,843
73	US$17,868	US$15,534
74	US$18,520	US$16,257
75	US$19,195	US$16,898
76	US$19,886	US$17,539
77	US$20,532	US$18,180
78	US$21,173	US$18,820
79	US$21,994	US$19,458
80	US$22,428	US$19,883
81	US$22,792	US$20,307
82	US$23,198	US$20,732
83	US$23,649	US$21,156
84	US$24,074	US$21,581
85	US$24,497	US$22,005
86	US$24,865	US$22,379
87	US$25,238	US$22,759
88	US$25,541	US$23,055
89	US$25,847	US$23,355
90	US$26,080	US$23,565
91	US$26,315	US$23,777
92	US$26,551	US$23,991
93	US$26,703	US$24,181
94	US$26,808	US$24,301
95	US$26,913	US$24,422
96	US$27,018	US$24,542
97	US$27,151	US$24,662
98	US$27,283	US$24,782
99	US$27,416	US$24,903
100	US$27,549	US$25,025
101	US$27,683	US$25,147
102	US$27,818	US$25,270
103	US$27,953	US$25,394
104	US$28,089	US$25,518
105	US$28,226	US$25,643
106	US$28,363	US$25,768
107	US$28,501	US$25,894
108	US$28,640	US$26,020
109	US$28,779	US$26,147
110	US$28,919	US$26,275
111	US$29,060	US$26,404
112	US$29,201	US$26,533
113	US$29,343	US$26,662
114	US$29,486	US$26,792
115	US$29,629	US$26,923
116	US$29,773	US$27,055
117	US$29,918	US$27,187
118	US$30,064	US$27,320
119	US$30,210	US$27,454
120	US$30,357	US$27,588

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)

Current page

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.