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VHIS FlexiF00050-01-000-04

PRUHealth VHIS VIP Plan - HKD0 Deductible (Asia)

保誠自願醫保尚賓計劃 - 0 港元自付費 (亞洲)

PRUHealth VHIS VIP Plan - HKD0 Deductible (Asia) is a VHIS Flexi plan offered by Prudential Hong Kong Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage, HK$12,000,000 annual benefit limit and no deductible (HK$0). Latest plan-document version: Oct 1, 2026.

01 · Plan at a glance

Quote a premium by age, gender and smoking status

Your premium

HK$16,919 /yr

age

Ward class

Hong Kong, Macau and Mainland China：Semi-Private Room
Rest of Asia：Standard Private Room
Outside Asia: accidents occurring outside Asia only：Standard Private Room

Coverage region

Asia incl. AU/NZ

Deductible

Annual benefit limit

HK$12,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$56,000,000

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	全數保障R&C
(b) Miscellaneous charges (b) 雜項開支	全數保障R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	全數保障R&C
(d) Specialist's fee (d) 專科醫生費	全數保障R&C
(e) Intensive care (e) 深切治療	全數保障R&C
(f) Surgeon's fee (f) 外科醫生費	不論手術的分類全數保障R&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	全數保障R&C
(h) Operating theatre charges (h) 手術室費	全數保障R&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	全數保障共同保險 : 0%R&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	全數保障R&C
(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	全數保障住院／日間手術前30日內所有門診或急症診症住院／日間手術前超過30日最多一次門診或急症診症出院／日間手術後90日內所有跟進門診出院／日間手術（為進行手術表中分類為複雜或大型的手術或治療程序）後365日內所有跟進門診R&C
(l) Psychiatric treatments (l) 精神科治療	全數保障R&C
Extra Benefits
Medical implants / prosthetic devices 醫療裝置	指定項目：全數保障其他項目：每保單年度 $250,000R&C
Private nursing fee (during Confinement) 私家看護	全數保障 • 每保單年度最多30日（每日最多兩個時段）R&C
Hospital companion bed fee reimbursement 住院陪床	全數保障R&C
Home nursing 手術後家中護理	每日$1,600每保單年度最多30日（每日最多兩個時段）出院／日間手術後60日內
Outpatient kidney dialysis 透析治療	全數保障R&C
Emergency outpatient treatment for Accident 意外門診治療	全數保障R&C
Emergency dental benefit (Accident only) 意外牙科治療	全數保障R&C
Chinese Medicine Practitioner outpatient care 中醫治療	每保單年度 $30,000住院期間每日$400出院／日間手術後90日內的診治每次$600（最多每日一次診治）
Reconstructive surgery for specified conditions 指定癌症重建手術	每保單年度 $200,000
Rehabilitation benefit 復康治療	每保單年度 $80,000每保單年度最多60日出院後90日內進住復康中心
Hospice and palliative care benefit 善終服務	每保單年度 $60,000
Complications of pregnancy 妊娠期併發症	根據保障項目I (a) – I (i)、I (k) 及II (a) - II (d) 的相關賠償限額支付
Post-stroke home equipment upgrade 受保癌症、心臟病發作及中風復康保障家居設備提升復康診療	每事故$50,000 每次$1,000每保單年度最多15次（每項受保治療最多每日一次診治)每事故最多$45,000
Post-stroke rehabilitation visits 受保癌症、心臟病發作及中風復康診療	每事故$50,000 每次$1,000每保單年度最多15次（每項受保治療最多每日一次診治)每事故最多$45,000
Health check-up benefit 健康保障	每逢第3次續保後緊接的保單年度可選以下其中一項：健康檢查或接種疫苗適用年齡每個相關保單年度(i) 眼科視光檢查及眼 4歲或以上 $500 球結構斷層掃描(ii) 子宮頸抹片檢查 18歲或以上 $500(iii) 前列腺檢查 25歲或以上 $500(iv) 乳房 X 光造影檢查 40歲或以上 $1,000(v) 骨質密度檢查 50歲或以上 $1,000(vi) 帶狀皰疹疫苗 50歲或以上 $1,000 不包括僅為視力及／或屈光檢測的眼科視光檢查
Cash Benefits
Lower ward class cash benefit 每日住院現金 - 入住香港半私家病房以下的病房	每日 $1,000
Event Benefits
Compassionate death benefit 恩恤身故保障	每保單 $80,000
Accidental Death benefit 意外身故保障	每保單 $80,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
全數保障R&C
(b) Miscellaneous charges
(b) 雜項開支
全數保障R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
全數保障R&C
(d) Specialist's fee
(d) 專科醫生費
全數保障R&C
(e) Intensive care
(e) 深切治療
全數保障R&C
(f) Surgeon's fee
(f) 外科醫生費
不論手術的分類全數保障R&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
全數保障R&C
(h) Operating theatre charges
(h) 手術室費
全數保障R&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
全數保障共同保險 : 0%R&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
全數保障R&C
(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
全數保障住院／日間手術前30日內所有門診或急症診症住院／日間手術前超過30日最多一次門診或急症診症出院／日間手術後90日內所有跟進門診出院／日間手術（為進行手術表中分類為複雜或大型的手術或治療程序）後365日內所有跟進門診R&C
(l) Psychiatric treatments
(l) 精神科治療
全數保障R&C

Extra Benefits

Medical implants / prosthetic devices
醫療裝置
指定項目：全數保障其他項目：每保單年度 $250,000R&C
Private nursing fee (during Confinement)
私家看護
全數保障 • 每保單年度最多30日（每日最多兩個時段）R&C
Hospital companion bed fee reimbursement
住院陪床
全數保障R&C
Home nursing
手術後家中護理
每日$1,600每保單年度最多30日（每日最多兩個時段）出院／日間手術後60日內
Outpatient kidney dialysis
透析治療
全數保障R&C
Emergency outpatient treatment for Accident
意外門診治療
全數保障R&C
Emergency dental benefit (Accident only)
意外牙科治療
全數保障R&C
Chinese Medicine Practitioner outpatient care
中醫治療
每保單年度 $30,000住院期間每日$400出院／日間手術後90日內的診治每次$600（最多每日一次診治）
Reconstructive surgery for specified conditions
指定癌症重建手術
每保單年度 $200,000
Rehabilitation benefit
復康治療
每保單年度 $80,000每保單年度最多60日出院後90日內進住復康中心
Hospice and palliative care benefit
善終服務
每保單年度 $60,000
Complications of pregnancy
妊娠期併發症
根據保障項目I (a) – I (i)、I (k) 及II (a) - II (d) 的相關賠償限額支付
Post-stroke home equipment upgrade
受保癌症、心臟病發作及中風復康保障家居設備提升復康診療
每事故$50,000 每次$1,000每保單年度最多15次（每項受保治療最多每日一次診治)每事故最多$45,000
Post-stroke rehabilitation visits
受保癌症、心臟病發作及中風復康診療
每事故$50,000 每次$1,000每保單年度最多15次（每項受保治療最多每日一次診治)每事故最多$45,000
Health check-up benefit
健康保障
每逢第3次續保後緊接的保單年度可選以下其中一項：健康檢查或接種疫苗適用年齡每個相關保單年度(i) 眼科視光檢查及眼 4歲或以上 $500 球結構斷層掃描(ii) 子宮頸抹片檢查 18歲或以上 $500(iii) 前列腺檢查 25歲或以上 $500(iv) 乳房 X 光造影檢查 40歲或以上 $1,000(v) 骨質密度檢查 50歲或以上 $1,000(vi) 帶狀皰疹疫苗 50歲或以上 $1,000 不包括僅為視力及／或屈光檢測的眼科視光檢查

Cash Benefits

Lower ward class cash benefit
每日住院現金 - 入住香港半私家病房以下的病房
每日 $1,000

Event Benefits

Compassionate death benefit
恩恤身故保障
每保單 $80,000
Accidental Death benefit
意外身故保障
每保單 $80,000

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$13,278
1	HK$13,278
2	HK$13,278
3	HK$13,278
4	HK$13,278
5	HK$13,179
6	HK$13,081
7	HK$12,998
8	HK$12,898
9	HK$12,801
10	HK$12,701
11	HK$12,603
12	HK$12,503
13	HK$12,404
14	HK$12,306
15	HK$12,192
16	HK$12,093
17	HK$11,995
18	HK$11,895
19	HK$11,797
20	HK$11,698
21	HK$11,599
22	HK$11,954
23	HK$12,544
24	HK$12,899
25	HK$13,727
26	HK$14,436
27	HK$15,382
28	HK$16,091
29	HK$16,562
30	HK$16,919
31	HK$17,274
32	HK$17,510
33	HK$17,864
34	HK$18,573
35	HK$18,930
36	HK$19,046
37	HK$19,401
38	HK$19,874
39	HK$19,992
40	HK$20,229
41	HK$21,470
42	HK$22,713
43	HK$23,954
44	HK$25,195
45	HK$26,439
46	HK$27,682
47	HK$28,922
48	HK$30,164
49	HK$31,408
50	HK$32,959
51	HK$34,212
52	HK$34,916
53	HK$36,795
54	HK$38,674
55	HK$39,749
56	HK$42,164
57	HK$45,118
58	HK$47,802
59	HK$51,025
60	HK$54,226
61	HK$56,797
62	HK$61,062
63	HK$65,510
64	HK$72,476
65	HK$79,035
66	HK$85,700
67	HK$91,777
68	HK$93,815
69	HK$96,874
70	HK$101,787
71	HK$107,963
72	HK$111,658
73	HK$115,227
74	HK$119,249
75	HK$127,812
76	HK$132,693
77	HK$137,578
78	HK$142,461
79	HK$148,099
80	HK$154,884
81	HK$160,495
82	HK$166,093
83	HK$171,704
84	HK$178,098
85	HK$185,708
86	HK$192,102
87	HK$198,498
88	HK$204,894
89	HK$212,152
90	HK$218,242
91	HK$225,484
92	HK$232,729
93	HK$239,970
94	HK$248,108
95	HK$250,138
96	HK$258,290
97	HK$266,430
98	HK$274,567
99	HK$282,954
100	HK$291,596
101	HK$300,502
102	HK$309,680
103	HK$319,138
104	HK$328,886
105	HK$338,930
106	HK$349,282
107	HK$359,950
108	HK$370,945
109	HK$382,274
110	HK$393,951
111	HK$405,982
112	HK$418,382
113	HK$431,160
114	HK$444,329
115	HK$457,901
116	HK$471,886
117	HK$486,299
118	HK$501,151
119	HK$516,459
120	HK$532,234

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

HK$0

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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 VHIS VIP Plan - HKD0 Deductible (Asia)

01 · Plan at a glance

Benefits

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