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VHIS Flexi · F00050-01-000-04

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)

Prudential Hong Kong Limited

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Your premium

HK$15,991 /yr

age

Ward class

Semi-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	Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full reimbursement of Eligible Expenses; Coinsurance: 0%R&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible ExpensesR&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	Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major in the Schedule of Surgical ProceduresR&C
(l) Psychiatric treatments (l) 精神科治療	Full reimbursement of Eligible ExpensesR&C
Extra Benefits
Medical implants / prosthetic devices 醫療裝置	Specified items: Full reimbursement of Eligible Expenses; other items: $250,000 per Policy YearR&C
Private nursing fee (during Confinement) 私家看護	Full reimbursement of Eligible Expenses• Maximum 30 days per Policy Year (up to 2 sessions per day)R&C
Hospital companion bed fee reimbursement 住院陪床	Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit 手術後家中護理	$1,600 per day• Maximum 30 days per Policy Year (up to 2 sessions per day)• Within the post-discharge window after Confinement or Day Case Procedure
Outpatient kidney dialysis 透析治療	Full reimbursement of Eligible ExpensesR&C
Emergency outpatient treatment for Accident 意外門診治療	Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only) 意外牙科治療	Full reimbursement of Eligible Expenses within 2 weeks of the AccidentR&C
Chinese Medicine Practitioner outpatient care 中醫治療	$30,000 per Policy Year• $400 per day during Confinement• $600 per visit for treatments within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 treatment per day)
Reconstructive surgery for specified conditions 指定癌症重建手術	$200,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 復康治療	$80,000 per Policy Year• Maximum 60 days per Policy Year• Admission to rehabilitation centre within 90 days after discharge
Hospice and palliative care benefit 善終服務	$60,000 per Policy Year
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) and II (a) - II (d)
Post-stroke home equipment upgrade 受保癌症、心臟病發作及中風復康保障 (i) 家居設備提升	$50,000 per Accident
Post-stroke rehabilitation visits 受保癌症、心臟病發作及中風復康保障 (ii) 復康診療	$1,000 per visit, max 15 visits per Policy Year (up to 1 per covered modality per day), aggregate max $45,000 per Accident
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	$1,000 per day
Event Benefits
Compassionate death benefit 恩恤身故保障	$80,000 per Policy
Accidental Death benefit 意外身故保障	$80,000 per Policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full reimbursement of Eligible Expenses; Coinsurance: 0%R&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible ExpensesR&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
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Complex or Major in the Schedule of Surgical ProceduresR&C
(l) Psychiatric treatments
(l) 精神科治療
Full reimbursement of Eligible ExpensesR&C

Extra Benefits

Medical implants / prosthetic devices
醫療裝置
Specified items: Full reimbursement of Eligible Expenses; other items: $250,000 per Policy YearR&C
Private nursing fee (during Confinement)
私家看護
Full reimbursement of Eligible Expenses• Maximum 30 days per Policy Year (up to 2 sessions per day)R&C
Hospital companion bed fee reimbursement
住院陪床
Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit
手術後家中護理
$1,600 per day• Maximum 30 days per Policy Year (up to 2 sessions per day)• Within the post-discharge window after Confinement or Day Case Procedure
Outpatient kidney dialysis
透析治療
Full reimbursement of Eligible ExpensesR&C
Emergency outpatient treatment for Accident
意外門診治療
Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only)
意外牙科治療
Full reimbursement of Eligible Expenses within 2 weeks of the AccidentR&C
Chinese Medicine Practitioner outpatient care
中醫治療
$30,000 per Policy Year• $400 per day during Confinement• $600 per visit for treatments within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 treatment per day)
Reconstructive surgery for specified conditions
指定癌症重建手術
$200,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
復康治療
$80,000 per Policy Year• Maximum 60 days per Policy Year• Admission to rehabilitation centre within 90 days after discharge
Hospice and palliative care benefit
善終服務
$60,000 per Policy Year
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) and II (a) - II (d)
Post-stroke home equipment upgrade
受保癌症、心臟病發作及中風復康保障 (i) 家居設備提升
$50,000 per Accident
Post-stroke rehabilitation visits
受保癌症、心臟病發作及中風復康保障 (ii) 復康診療
$1,000 per visit, max 15 visits per Policy Year (up to 1 per covered modality per day), aggregate max $45,000 per Accident

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
$1,000 per day

Event Benefits

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

Premium Schedule

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

Age	Premium
0	HK$12,550
1	HK$12,550
2	HK$12,550
3	HK$12,550
4	HK$12,550
5	HK$12,456
6	HK$12,363
7	HK$12,285
8	HK$12,190
9	HK$12,098
10	HK$12,004
11	HK$11,911
12	HK$11,817
13	HK$11,723
14	HK$11,630
15	HK$11,523
16	HK$11,429
17	HK$11,337
18	HK$11,242
19	HK$11,150
20	HK$11,055
21	HK$10,962
22	HK$11,298
23	HK$11,855
24	HK$12,191
25	HK$12,974
26	HK$13,644
27	HK$14,538
28	HK$15,208
29	HK$15,654
30	HK$15,991
31	HK$16,326
32	HK$16,549
33	HK$16,884
34	HK$17,554
35	HK$17,891
36	HK$18,002
37	HK$18,337
38	HK$18,783
39	HK$18,895
40	HK$19,119
41	HK$20,292
42	HK$21,467
43	HK$22,641
44	HK$23,814
45	HK$24,989
46	HK$26,164
47	HK$27,336
48	HK$28,510
49	HK$29,686
50	HK$31,005
51	HK$32,184
52	HK$32,846
53	HK$34,614
54	HK$36,382
55	HK$37,392
56	HK$39,664
57	HK$42,443
58	HK$44,968
59	HK$48,000
60	HK$51,012
61	HK$53,430
62	HK$57,442
63	HK$61,626
64	HK$68,180
65	HK$74,350
66	HK$80,620
67	HK$86,337
68	HK$88,254
69	HK$91,132
70	HK$95,754
71	HK$101,564
72	HK$105,040
73	HK$108,398
74	HK$112,181
75	HK$120,236
76	HK$124,828
77	HK$129,424
78	HK$134,017
79	HK$139,321
80	HK$146,393
81	HK$151,696
82	HK$156,986
83	HK$162,290
84	HK$168,334
85	HK$175,526
86	HK$181,570
87	HK$187,616
88	HK$193,661
89	HK$200,521
90	HK$206,277
91	HK$213,122
92	HK$219,970
93	HK$226,814
94	HK$234,506
95	HK$236,424
96	HK$244,130
97	HK$251,824
98	HK$259,514
99	HK$267,442
100	HK$275,610
101	HK$284,027
102	HK$292,702
103	HK$301,642
104	HK$310,855
105	HK$320,350
106	HK$330,134
107	HK$340,217
108	HK$350,609
109	HK$361,317
110	HK$372,354
111	HK$383,726
112	HK$395,445
113	HK$407,523
114	HK$419,970
115	HK$432,798
116	HK$446,017
117	HK$459,639
118	HK$473,677
119	HK$488,146
120	HK$503,055

Other deductible options in this series

16 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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: 2026-04-17

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.