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VHIS Flexi · F00050-03-000-04

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)

Prudential Hong Kong Limited

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Your premium

HK$4,931 /yr

age

Ward class

Semi-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	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$4,129
1	HK$4,129
2	HK$4,129
3	HK$4,129
4	HK$4,129
5	HK$4,010
6	HK$3,890
7	HK$3,773
8	HK$3,734
9	HK$3,694
10	HK$3,655
11	HK$3,614
12	HK$3,575
13	HK$3,535
14	HK$3,495
15	HK$3,452
16	HK$3,413
17	HK$3,374
18	HK$3,334
19	HK$3,293
20	HK$3,255
21	HK$3,187
22	HK$3,380
23	HK$3,574
24	HK$3,769
25	HK$3,962
26	HK$4,156
27	HK$4,350
28	HK$4,543
29	HK$4,738
30	HK$4,931
31	HK$5,030
32	HK$5,130
33	HK$5,229
34	HK$5,330
35	HK$5,429
36	HK$5,529
37	HK$5,628
38	HK$5,776
39	HK$5,837
40	HK$5,910
41	HK$6,199
42	HK$6,428
43	HK$6,571
44	HK$6,814
45	HK$7,174
46	HK$7,527
47	HK$7,887
48	HK$8,243
49	HK$8,946
50	HK$9,536
51	HK$10,230
52	HK$10,441
53	HK$11,002
54	HK$11,565
55	HK$11,886
56	HK$12,606
57	HK$13,490
58	HK$14,290
59	HK$15,254
60	HK$16,210
61	HK$16,979
62	HK$17,746
63	HK$18,821
64	HK$19,853
65	HK$21,842
66	HK$24,246
67	HK$25,548
68	HK$26,998
69	HK$28,271
70	HK$30,282
71	HK$32,199
72	HK$33,474
73	HK$34,745
74	HK$36,230
75	HK$38,830
76	HK$40,313
77	HK$41,797
78	HK$43,278
79	HK$44,992
80	HK$47,274
81	HK$48,987
82	HK$50,695
83	HK$52,409
84	HK$54,361
85	HK$56,683
86	HK$58,634
87	HK$60,584
88	HK$62,537
89	HK$64,753
90	HK$66,610
91	HK$68,821
92	HK$71,031
93	HK$73,242
94	HK$75,725
95	HK$76,346
96	HK$78,834
97	HK$81,315
98	HK$83,800
99	HK$86,361
100	HK$88,999
101	HK$91,718
102	HK$94,521
103	HK$97,408
104	HK$100,384
105	HK$103,452
106	HK$106,611
107	HK$109,869
108	HK$113,226
109	HK$116,686
110	HK$120,250
111	HK$123,924
112	HK$127,710
113	HK$131,612
114	HK$135,634
115	HK$139,778
116	HK$144,048
117	HK$148,449
118	HK$152,985
119	HK$157,659
120	HK$162,477

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16 deductibles — same benefit schedule, premium scales with deductible

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HK$50K

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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.