PRUHealth VHIS VIP Plan is a VHIS Flexi plan offered by Prudential Hong Kong Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage and HK$12,000,000 annual benefit limit. Latest plan-document version: Oct 1, 2026.
01 · Plan options
16 options — premiums differ; deductible, ward class or cover may also differPlan option
HKD0 Deductible (Asia)
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$16,919 /yr
View details →
Plan option
USD0 Deductible (Asia)
Deductible USD 0 deductible
Entry premium (Age 30 any gender)
US$2,114.9/yr
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Plan option
HKD0 Deductible (Worldwide except USA)
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$18,610 /yr
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Plan option
USD0 Deductible (Worldwide except USA)
Deductible USD 0 deductible
Entry premium (Age 30 any gender)
US$2,326.2/yr
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Plan option
USD2,500 Deductible (Asia)
Deductible 2,500 USD deductible
Entry premium (Age 30 any gender)
US$810.4/yr
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Plan option
USD2,500 Deductible (Worldwide except USA)
Deductible 2,500 USD deductible
Entry premium (Age 30 any gender)
US$891.4/yr
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Plan option
HKD20,000 Deductible (Asia)
Deductible 20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,483 /yr
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Plan option
HKD20,000 Deductible (Worldwide except USA)
Deductible 20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,131 /yr
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Plan option
USD6,250 Deductible (Asia)
Deductible 6,250 USD deductible
Entry premium (Age 30 any gender)
US$652.3/yr
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Plan option
USD6,250 Deductible (Worldwide except USA)
Deductible 6,250 USD deductible
Entry premium (Age 30 any gender)
US$717.3/yr
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Plan option
HKD50,000 Deductible (Asia)
Deductible 50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,218 /yr
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Plan option
HKD50,000 Deductible (Worldwide except USA)
Deductible 50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,738 /yr
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Plan option
USD12,000 Deductible (Asia)
Deductible 12,000 USD deductible
Entry premium (Age 30 any gender)
US$490.5/yr
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Plan option
USD12,000 Deductible (Worldwide except USA)
Deductible 12,000 USD deductible
Entry premium (Age 30 any gender)
US$539.4/yr
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Plan option
HKD96,000 Deductible (Asia)
Deductible 96,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,924 /yr
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Plan option
HKD96,000 Deductible (Worldwide except USA)
Deductible 96,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,315 /yr
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02 · Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible (Asia)Deductible HKD 0 deductible | HK$13,278 | HK$12,701 | HK$11,698 | HK$16,919 | HK$20,229 | HK$32,959 | HK$54,226 | HK$101,787 | HK$154,884 |
| USD0 Deductible (Asia)Deductible USD 0 deductible | US$1,659.8 | US$1,587.6 | US$1,462.2 | US$2,114.9 | US$2,528.6 | US$4,119.9 | US$6,778.3 | US$12,723.4 | US$19,360.5 |
| HKD0 Deductible (Worldwide except USA)Deductible HKD 0 deductible | HK$14,606 | HK$13,970 | HK$12,867 | HK$18,610 | HK$22,251 | HK$36,253 | HK$59,648 | HK$111,966 | HK$170,372 |
| USD0 Deductible (Worldwide except USA)Deductible USD 0 deductible | US$1,825.7 | US$1,746.3 | US$1,608.4 | US$2,326.2 | US$2,781.4 | US$4,531.6 | US$7,456 | US$13,995.7 | US$21,296.5 |
| USD2,500 Deductible (Asia)Deductible 2,500 USD deductible | US$680.7 | US$602.4 | US$536.4 | US$810.4 | US$964.3 | US$1,633.1 | US$2,777.1 | US$5,103.1 | US$7,929.5 |
| USD2,500 Deductible (Worldwide except USA)Deductible 2,500 USD deductible | US$748.7 | US$662.4 | US$589.7 | US$891.4 | US$1,060.5 | US$1,796.1 | US$3,054.6 | US$5,613.3 | US$8,722.3 |
| HKD20,000 Deductible (Asia)Deductible 20,000 HKD deductible | HK$5,446 | HK$4,819 | HK$4,291 | HK$6,483 | HK$7,714 | HK$13,065 | HK$22,217 | HK$40,825 | HK$63,436 |
| HKD20,000 Deductible (Worldwide except USA)Deductible 20,000 HKD deductible | HK$5,990 | HK$5,299 | HK$4,718 | HK$7,131 | HK$8,484 | HK$14,369 | HK$24,437 | HK$44,906 | HK$69,778 |
| USD6,250 Deductible (Asia)Deductible 6,250 USD deductible | US$546.1 | US$483.5 | US$430.6 | US$652.3 | US$781.6 | US$1,267.2 | US$2,154 | US$4,023.8 | US$6,252.1 |
| USD6,250 Deductible (Worldwide except USA)Deductible 6,250 USD deductible | US$600.6 | US$531.6 | US$473.6 | US$717.3 | US$859.6 | US$1,393.8 | US$2,369.3 | US$4,426.1 | US$6,877.3 |
| HKD50,000 Deductible (Asia)Deductible 50,000 HKD deductible | HK$4,369 | HK$3,868 | HK$3,445 | HK$5,218 | HK$6,253 | HK$10,138 | HK$17,232 | HK$32,190 | HK$50,017 |
| HKD50,000 Deductible (Worldwide except USA)Deductible 50,000 HKD deductible | HK$4,805 | HK$4,253 | HK$3,789 | HK$5,738 | HK$6,877 | HK$11,150 | HK$18,954 | HK$35,409 | HK$55,018 |
| USD12,000 Deductible (Asia)Deductible 12,000 USD deductible | US$410.7 | US$363.6 | US$324 | US$490.5 | US$587.6 | US$952.3 | US$1,618.4 | US$3,023.1 | US$4,697 |
| USD12,000 Deductible (Worldwide except USA)Deductible 12,000 USD deductible | US$451.5 | US$399.8 | US$356.1 | US$539.4 | US$646.3 | US$1,047.4 | US$1,780.2 | US$3,325.4 | US$5,166.5 |
| HKD96,000 Deductible (Asia)Deductible 96,000 HKD deductible | HK$3,286 | HK$2,909 | HK$2,592 | HK$3,924 | HK$4,701 | HK$7,618 | HK$12,947 | HK$24,185 | HK$37,576 |
| HKD96,000 Deductible (Worldwide except USA)Deductible 96,000 HKD deductible | HK$3,612 | HK$3,198 | HK$2,849 | HK$4,315 | HK$5,170 | HK$8,379 | HK$14,242 | HK$26,603 | HK$41,332 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible (Asia)Deductible HKD 0 deductible | HK$13,278 | HK$12,701 | HK$11,698 | HK$16,919 | HK$20,229 | HK$32,959 | HK$54,226 | HK$101,787 | HK$154,884 |
| USD0 Deductible (Asia)Deductible USD 0 deductible | US$1,659.8 | US$1,587.6 | US$1,462.2 | US$2,114.9 | US$2,528.6 | US$4,119.9 | US$6,778.3 | US$12,723.4 | US$19,360.5 |
| HKD0 Deductible (Worldwide except USA)Deductible HKD 0 deductible | HK$14,606 | HK$13,970 | HK$12,867 | HK$18,610 | HK$22,251 | HK$36,253 | HK$59,648 | HK$111,966 | HK$170,372 |
| USD0 Deductible (Worldwide except USA)Deductible USD 0 deductible | US$1,825.7 | US$1,746.3 | US$1,608.4 | US$2,326.2 | US$2,781.4 | US$4,531.6 | US$7,456 | US$13,995.7 | US$21,296.5 |
| USD2,500 Deductible (Asia)Deductible 2,500 USD deductible | US$680.7 | US$602.4 | US$536.4 | US$810.4 | US$964.3 | US$1,633.1 | US$2,777.1 | US$5,103.1 | US$7,929.5 |
| USD2,500 Deductible (Worldwide except USA)Deductible 2,500 USD deductible | US$748.7 | US$662.4 | US$589.7 | US$891.4 | US$1,060.5 | US$1,796.1 | US$3,054.6 | US$5,613.3 | US$8,722.3 |
| HKD20,000 Deductible (Asia)Deductible 20,000 HKD deductible | HK$5,446 | HK$4,819 | HK$4,291 | HK$6,483 | HK$7,714 | HK$13,065 | HK$22,217 | HK$40,825 | HK$63,436 |
| HKD20,000 Deductible (Worldwide except USA)Deductible 20,000 HKD deductible | HK$5,990 | HK$5,299 | HK$4,718 | HK$7,131 | HK$8,484 | HK$14,369 | HK$24,437 | HK$44,906 | HK$69,778 |
| USD6,250 Deductible (Asia)Deductible 6,250 USD deductible | US$546.1 | US$483.5 | US$430.6 | US$652.3 | US$781.6 | US$1,267.2 | US$2,154 | US$4,023.8 | US$6,252.1 |
| USD6,250 Deductible (Worldwide except USA)Deductible 6,250 USD deductible | US$600.6 | US$531.6 | US$473.6 | US$717.3 | US$859.6 | US$1,393.8 | US$2,369.3 | US$4,426.1 | US$6,877.3 |
| HKD50,000 Deductible (Asia)Deductible 50,000 HKD deductible | HK$4,369 | HK$3,868 | HK$3,445 | HK$5,218 | HK$6,253 | HK$10,138 | HK$17,232 | HK$32,190 | HK$50,017 |
| HKD50,000 Deductible (Worldwide except USA)Deductible 50,000 HKD deductible | HK$4,805 | HK$4,253 | HK$3,789 | HK$5,738 | HK$6,877 | HK$11,150 | HK$18,954 | HK$35,409 | HK$55,018 |
| USD12,000 Deductible (Asia)Deductible 12,000 USD deductible | US$410.7 | US$363.6 | US$324 | US$490.5 | US$587.6 | US$952.3 | US$1,618.4 | US$3,023.1 | US$4,697 |
| USD12,000 Deductible (Worldwide except USA)Deductible 12,000 USD deductible | US$451.5 | US$399.8 | US$356.1 | US$539.4 | US$646.3 | US$1,047.4 | US$1,780.2 | US$3,325.4 | US$5,166.5 |
| HKD96,000 Deductible (Asia)Deductible 96,000 HKD deductible | HK$3,286 | HK$2,909 | HK$2,592 | HK$3,924 | HK$4,701 | HK$7,618 | HK$12,947 | HK$24,185 | HK$37,576 |
| HKD96,000 Deductible (Worldwide except USA)Deductible 96,000 HKD deductible | HK$3,612 | HK$3,198 | HK$2,849 | HK$4,315 | HK$5,170 | HK$8,379 | HK$14,242 | HK$26,603 | HK$41,332 |
Why so many deductible options?
The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.
Deductibles FAQ →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)
This site's licensed insurance agent can only arrange FWD plans.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Oct 1, 2026
- Plan data updated
- 2026-10-05