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VHIS Flexi · F00050-04-000-04
PRUHealth VHIS VIP Plan - USD0 Deductible (Asia)
保誠自願醫保尚賓計劃 - 0 美元自付費 (亞洲)
Your premium
US$1,999 /yr
age
US$Ward class
Semi-Private Room
Coverage region
Asia incl. AU/NZ
Deductible
$0
Annual benefit limit
US$1,500,000
Per-illness annual limit
—
Lifetime benefit limit
US$7,000,000
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: $31,250 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 | $200 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 | $3,750 per Policy Year• $50 per day during Confinement• $75 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 | $25,000 per Policy Year |
Cancer / cardiac / stroke rehabilitation benefit 復康治療 | $10,000 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 | $7,500 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 | $6,250 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 | $125 per visit, max 15 visits per Policy Year (up to 1 per covered modality per day), aggregate max $5,625 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 | $125 per day |
| Event Benefits | |
Compassionate death benefit 恩恤身故保障 | $10,000 per Policy |
Accidental Death benefit 意外身故保障 | $10,000 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: $31,250 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$200 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$3,750 per Policy Year• $50 per day during Confinement• $75 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$25,000 per Policy Year
- Cancer / cardiac / stroke rehabilitation benefit復康治療$10,000 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$7,500 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$6,250 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$125 per visit, max 15 visits per Policy Year (up to 1 per covered modality per day), aggregate max $5,625 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$125 per day
Event Benefits
- Compassionate death benefit恩恤身故保障$10,000 per Policy
- Accidental Death benefit意外身故保障$10,000 per Policy
Premium Schedule
Annual premium · Single rate (gender / smoking agnostic) · USD
Other deductible options in this series
16 deductibles — same benefit schedule, premium scales with deductible
HK$0
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US$0
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HK$0
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US$0
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US$3K
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US$3K
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HK$20K
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HK$20K
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US$6K
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US$6K
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HK$50K
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HK$50K
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US$12K
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US$12K
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HK$96K
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HK$96K
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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.