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VHIS FlexiF00050-15-000-01

PRUHealth VHIS VIP Plan - USD6,250 Deductible (Worldwide except USA)

保誠自願醫保尚賓計劃 - 6,250 美元自付費 - 全球 (美國除外)

Prudential Hong Kong Limited

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PRUHealth VHIS VIP Plan - USD6,250 Deductible (Worldwide except USA) is a VHIS Flexi plan offered by Prudential Hong Kong Limited, with ward class Semi-Private Room, Worldwide (excluding United States) coverage, US$1,500,000 annual benefit limit and US$6,250 deductible. Latest plan-document version: Oct 1, 2026.

01 · Plan at a glance

Quote a premium by age, gender and smoking status

Your premium

US$717.3 /yr

age
US$

Ward class

  • Hong Kong, Macau and Mainland China：Semi-Private Room
  • Other locations, excluding USA：Standard Private Room
  • USA: accidents occurring in USA only：Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

US$6,250

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

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 $31,250R&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$200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 $3,750住院期間每日$50出院／日間手術後90日內的診治每次$75（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 $25,000
  • Rehabilitation benefit
    復康治療
    每保單年度 $10,000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 $7,500
  • 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$6,250 每次$125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$5,625
  • Post-stroke rehabilitation visits
    受保癌症、心臟病發作及中風復康診療
    每事故$6,250 每次$125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$5,625
  • 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 $63 球結構斷層掃描(ii) 子宮頸抹片檢查 18歲或以上 $63(iii) 前列腺檢查 25歲或以上 $63(iv) 乳房 X 光造影檢查 40歲或以上 $125(v) 骨質密度檢查 50歲或以上 $125(vi) 帶狀皰疹疫苗 50歲或以上 $125 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 $125
Event Benefits
  • Compassionate death benefit
    恩恤身故保障
    每保單 $10,000
  • Accidental Death benefit
    意外身故保障
    每保單 $10,000

Premium Schedule

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

AgePremium
0US$600.6
1US$600.6
2US$600.6
3US$600.6
4US$600.6
5US$583.3
6US$565.7
7US$548.8
8US$543.2
9US$537.4
10US$531.6
11US$525.7
12US$520.1
13US$514.1
14US$508.5
15US$502.1
16US$496.5
17US$490.6
18US$485
19US$479
20US$473.6
21US$463.5
22US$491.8
23US$519.9
24US$548.1
25US$576.5
26US$604.5
27US$632.8
28US$660.9
29US$689.2
30US$717.3
31US$731.8
32US$746.2
33US$760.6
34US$775.3
35US$789.6
36US$804.2
37US$818.8
38US$840.2
39US$849.1
40US$859.6
41US$901.8
42US$935.1
43US$955.9
44US$991.2
45US$1,043.6
46US$1,095.1
47US$1,147.4
48US$1,199
49US$1,301.3
50US$1,393.8
51US$1,495.2
52US$1,526
53US$1,608.1
54US$1,690.3
55US$1,737.3
56US$1,842.5
57US$1,971.5
58US$2,088.7
59US$2,229.5
60US$2,369.3
61US$2,481.8
62US$2,593.8
63US$2,750.8
64US$2,901.8
65US$3,192.4
66US$3,543.8
67US$3,734.1
68US$3,946.1
69US$4,132.2
70US$4,426.1
71US$4,706.2
72US$4,892.5
73US$5,078.4
74US$5,295.3
75US$5,675.5
76US$5,892.3
77US$6,109.2
78US$6,325.7
79US$6,576
80US$6,877.3
81US$7,126.4
82US$7,374.9
83US$7,624.2
84US$7,908.1
85US$8,245.8
86US$8,529.8
87US$8,813.5
88US$9,097.5
89US$9,419.8
90US$9,690
91US$10,011.7
92US$10,333.3
93US$10,654.7
94US$11,016
95US$11,106.2
96US$11,468.3
97US$11,829.3
98US$12,190.8
99US$12,563.1
100US$12,947
101US$13,342.7
102US$13,750.3
103US$14,170.5
104US$14,603.1
105US$15,049.6
106US$15,509.2
107US$15,983.2
108US$16,471.5
109US$16,974.7
110US$17,493.3
111US$18,027.7
112US$18,578.6
113US$19,146.1
114US$19,731.3
115US$20,334.1
116US$20,955.4
117US$21,595.7
118US$22,255.3
119US$22,935.3
120US$23,636.2

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 PDFPremium table PDF

This site's licensed insurance agent can only arrange FWD plans.

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

Current page

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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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