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VHIS Flexi · F00050-07-000-01

PRUHealth VHIS VIP Plan - HKD96,000 Deductible (Asia)

保誠自願醫保尚賓計劃 - 96,000 港元自付費 (亞洲)

Prudential Hong Kong Limited

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Your premium

HK$3,708 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$96,000

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$3,105
1	HK$3,105
2	HK$3,105
3	HK$3,105
4	HK$3,105
5	HK$3,015
6	HK$2,924
7	HK$2,837
8	HK$2,808
9	HK$2,778
10	HK$2,749
11	HK$2,718
12	HK$2,689
13	HK$2,658
14	HK$2,629
15	HK$2,596
16	HK$2,567
17	HK$2,538
18	HK$2,507
19	HK$2,478
20	HK$2,449
21	HK$2,397
22	HK$2,542
23	HK$2,688
24	HK$2,834
25	HK$2,979
26	HK$3,125
27	HK$3,270
28	HK$3,417
29	HK$3,562
30	HK$3,708
31	HK$3,782
32	HK$3,856
33	HK$3,931
34	HK$4,006
35	HK$4,081
36	HK$4,157
37	HK$4,231
38	HK$4,342
39	HK$4,387
40	HK$4,442
41	HK$4,661
42	HK$4,832
43	HK$4,939
44	HK$5,123
45	HK$5,392
46	HK$5,659
47	HK$5,928
48	HK$6,195
49	HK$6,724
50	HK$7,166
51	HK$7,687
52	HK$7,846
53	HK$8,267
54	HK$8,690
55	HK$8,931
56	HK$9,472
57	HK$10,136
58	HK$10,738
59	HK$11,462
60	HK$12,179
61	HK$12,758
62	HK$13,333
63	HK$14,140
64	HK$14,917
65	HK$16,410
66	HK$18,216
67	HK$19,194
68	HK$20,283
69	HK$21,240
70	HK$22,750
71	HK$24,190
72	HK$25,149
73	HK$26,102
74	HK$27,218
75	HK$29,171
76	HK$30,286
77	HK$31,401
78	HK$32,514
79	HK$33,801
80	HK$35,515
81	HK$36,802
82	HK$38,085
83	HK$39,373
84	HK$40,838
85	HK$42,582
86	HK$44,049
87	HK$45,514
88	HK$46,980
89	HK$48,644
90	HK$50,040
91	HK$51,701
92	HK$53,361
93	HK$55,022
94	HK$56,887
95	HK$57,354
96	HK$59,222
97	HK$61,086
98	HK$62,954
99	HK$64,876
100	HK$66,858
101	HK$68,902
102	HK$71,006
103	HK$73,176
104	HK$75,410
105	HK$77,715
106	HK$80,089
107	HK$82,536
108	HK$85,058
109	HK$87,658
110	HK$90,334
111	HK$93,094
112	HK$95,938
113	HK$98,870
114	HK$101,891
115	HK$105,004
116	HK$108,211
117	HK$111,518
118	HK$114,926
119	HK$118,436
120	HK$122,055

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HK$96K

Current page

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.