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VHIS Flexi · F00050-02-000-04

PRUHealth VHIS VIP Plan - HKD20,000 Deductible (Asia)

保誠自願醫保尚賓計劃 - 20,000 港元自付費 (亞洲)

Prudential Hong Kong Limited

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Your premium

HK$6,127 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$20,000

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$5,146
1	HK$5,146
2	HK$5,146
3	HK$5,146
4	HK$5,146
5	HK$4,997
6	HK$4,847
7	HK$4,702
8	HK$4,652
9	HK$4,603
10	HK$4,554
11	HK$4,503
12	HK$4,454
13	HK$4,406
14	HK$4,357
15	HK$4,302
16	HK$4,252
17	HK$4,203
18	HK$4,154
19	HK$4,103
20	HK$4,055
21	HK$3,970
22	HK$4,212
23	HK$4,454
24	HK$4,696
25	HK$4,937
26	HK$5,180
27	HK$5,420
28	HK$5,662
29	HK$5,904
30	HK$6,127
31	HK$6,233
32	HK$6,328
33	HK$6,452
34	HK$6,574
35	HK$6,698
36	HK$6,850
37	HK$6,994
38	HK$7,178
39	HK$7,229
40	HK$7,290
41	HK$7,682
42	HK$7,963
43	HK$8,141
44	HK$8,587
45	HK$9,041
46	HK$9,487
47	HK$9,971
48	HK$10,452
49	HK$11,344
50	HK$12,290
51	HK$13,186
52	HK$13,458
53	HK$14,182
54	HK$14,906
55	HK$15,319
56	HK$16,250
57	HK$17,389
58	HK$18,423
59	HK$19,665
60	HK$20,899
61	HK$21,887
62	HK$22,878
63	HK$23,867
64	HK$25,175
65	HK$27,698
66	HK$30,751
67	HK$32,400
68	HK$34,239
69	HK$35,854
70	HK$38,405
71	HK$40,835
72	HK$42,450
73	HK$44,065
74	HK$45,947
75	HK$49,246
76	HK$51,125
77	HK$53,009
78	HK$54,889
79	HK$57,061
80	HK$59,958
81	HK$62,129
82	HK$64,295
83	HK$66,466
84	HK$68,943
85	HK$71,888
86	HK$74,363
87	HK$76,839
88	HK$79,313
89	HK$82,124
90	HK$84,480
91	HK$87,285
92	HK$90,088
93	HK$92,890
94	HK$96,040
95	HK$96,826
96	HK$99,983
97	HK$103,133
98	HK$106,282
99	HK$109,526
100	HK$112,872
101	HK$116,318
102	HK$119,870
103	HK$123,529
104	HK$127,300
105	HK$131,186
106	HK$135,193
107	HK$139,320
108	HK$143,574
109	HK$147,958
110	HK$152,476
111	HK$157,130
112	HK$161,929
113	HK$166,873
114	HK$171,968
115	HK$177,218
116	HK$182,629
117	HK$188,206
118	HK$193,952
119	HK$199,874
120	HK$205,977

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16 deductibles — same benefit schedule, premium scales with deductible

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HK$20K

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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.