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VHIS FlexiF00050-03-000-04

PRUHealth VHIS VIP Plan - HKD50,000 Deductible (Asia)

保誠自願醫保尚賓計劃 - 50,000 港元自付費 (亞洲)

PRUHealth VHIS VIP Plan - HKD50,000 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 HK$50,000 deductible. Latest plan-document version: Oct 1, 2026.

01 · Plan at a glance

Quote a premium by age, gender and smoking status

Your premium

HK$5,218 /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

HK$50,000

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	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$4,369
1	HK$4,369
2	HK$4,369
3	HK$4,369
4	HK$4,369
5	HK$4,244
6	HK$4,116
7	HK$3,993
8	HK$3,952
9	HK$3,909
10	HK$3,868
11	HK$3,825
12	HK$3,783
13	HK$3,741
14	HK$3,698
15	HK$3,653
16	HK$3,611
17	HK$3,570
18	HK$3,528
19	HK$3,485
20	HK$3,445
21	HK$3,373
22	HK$3,577
23	HK$3,782
24	HK$3,988
25	HK$4,193
26	HK$4,398
27	HK$4,602
28	HK$4,807
29	HK$5,013
30	HK$5,218
31	HK$5,323
32	HK$5,428
33	HK$5,533
34	HK$5,639
35	HK$5,745
36	HK$5,850
37	HK$5,955
38	HK$6,112
39	HK$6,176
40	HK$6,253
41	HK$6,559
42	HK$6,802
43	HK$6,953
44	HK$7,210
45	HK$7,590
46	HK$7,965
47	HK$8,346
48	HK$8,722
49	HK$9,466
50	HK$10,138
51	HK$10,876
52	HK$11,099
53	HK$11,695
54	HK$12,294
55	HK$12,635
56	HK$13,401
57	HK$14,340
58	HK$15,191
59	HK$16,215
60	HK$17,232
61	HK$18,050
62	HK$18,866
63	HK$20,007
64	HK$21,104
65	HK$23,218
66	HK$25,774
67	HK$27,158
68	HK$28,699
69	HK$30,053
70	HK$32,190
71	HK$34,229
72	HK$35,583
73	HK$36,934
74	HK$38,513
75	HK$41,277
76	HK$42,854
77	HK$44,430
78	HK$46,006
79	HK$47,827
80	HK$50,017
81	HK$51,830
82	HK$53,636
83	HK$55,450
84	HK$57,514
85	HK$59,972
86	HK$62,035
87	HK$64,098
88	HK$66,165
89	HK$68,510
90	HK$70,474
91	HK$72,814
92	HK$75,152
93	HK$77,490
94	HK$80,118
95	HK$80,774
96	HK$83,406
97	HK$86,032
98	HK$88,662
99	HK$91,370
100	HK$94,162
101	HK$97,039
102	HK$100,004
103	HK$103,058
104	HK$106,207
105	HK$109,453
106	HK$112,795
107	HK$116,242
108	HK$119,794
109	HK$123,454
110	HK$127,225
111	HK$131,112
112	HK$135,118
113	HK$139,246
114	HK$143,501
115	HK$147,886
116	HK$152,403
117	HK$157,060
118	HK$161,858
119	HK$166,804
120	HK$171,902

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.

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HK$50K

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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 - HKD50,000 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