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VHIS FlexiF00050-07-000-01

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)

PRUHealth VHIS VIP Plan - HKD96,000 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$96,000 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$3,924 /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$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	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$3,286
1	HK$3,286
2	HK$3,286
3	HK$3,286
4	HK$3,286
5	HK$3,191
6	HK$3,094
7	HK$3,002
8	HK$2,972
9	HK$2,939
10	HK$2,909
11	HK$2,876
12	HK$2,846
13	HK$2,814
14	HK$2,782
15	HK$2,747
16	HK$2,717
17	HK$2,686
18	HK$2,654
19	HK$2,622
20	HK$2,592
21	HK$2,537
22	HK$2,690
23	HK$2,845
24	HK$2,999
25	HK$3,153
26	HK$3,307
27	HK$3,461
28	HK$3,616
29	HK$3,770
30	HK$3,924
31	HK$4,002
32	HK$4,081
33	HK$4,160
34	HK$4,239
35	HK$4,318
36	HK$4,398
37	HK$4,478
38	HK$4,594
39	HK$4,642
40	HK$4,701
41	HK$4,932
42	HK$5,113
43	HK$5,226
44	HK$5,421
45	HK$5,706
46	HK$5,988
47	HK$6,273
48	HK$6,555
49	HK$7,114
50	HK$7,618
51	HK$8,172
52	HK$8,342
53	HK$8,789
54	HK$9,238
55	HK$9,494
56	HK$10,070
57	HK$10,775
58	HK$11,415
59	HK$12,185
60	HK$12,947
61	HK$13,562
62	HK$14,174
63	HK$15,032
64	HK$15,858
65	HK$17,444
66	HK$19,365
67	HK$20,405
68	HK$21,562
69	HK$22,579
70	HK$24,185
71	HK$25,715
72	HK$26,734
73	HK$27,748
74	HK$28,934
75	HK$31,010
76	HK$32,194
77	HK$33,380
78	HK$34,562
79	HK$35,931
80	HK$37,576
81	HK$38,937
82	HK$40,294
83	HK$41,658
84	HK$43,208
85	HK$45,053
86	HK$46,605
87	HK$48,155
88	HK$49,706
89	HK$51,466
90	HK$52,943
91	HK$54,700
92	HK$56,457
93	HK$58,214
94	HK$60,187
95	HK$60,681
96	HK$62,658
97	HK$64,630
98	HK$66,606
99	HK$68,640
100	HK$70,737
101	HK$72,898
102	HK$75,125
103	HK$77,421
104	HK$79,785
105	HK$82,223
106	HK$84,734
107	HK$87,324
108	HK$89,992
109	HK$92,742
110	HK$95,574
111	HK$98,494
112	HK$101,504
113	HK$104,605
114	HK$107,802
115	HK$111,095
116	HK$114,488
117	HK$117,986
118	HK$121,592
119	HK$125,306
120	HK$129,135

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$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

PRUHealth VHIS VIP Plan - HKD96,000 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