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VHIS Flexi · F00050-12-000-01

PRUHealth VHIS VIP Plan - HKD96,000 Deductible (Worldwide except USA)

保誠自願醫保尚賓計劃 - 96,000 港元自付費 - 全球 (美國除外)

Prudential Hong Kong Limited

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Your premium

HK$4,078 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

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$3,414
1	HK$3,414
2	HK$3,414
3	HK$3,414
4	HK$3,414
5	HK$3,316
6	HK$3,215
7	HK$3,120
8	HK$3,088
9	HK$3,054
10	HK$3,022
11	HK$2,990
12	HK$2,956
13	HK$2,923
14	HK$2,891
15	HK$2,854
16	HK$2,822
17	HK$2,790
18	HK$2,758
19	HK$2,724
20	HK$2,692
21	HK$2,636
22	HK$2,795
23	HK$2,955
24	HK$3,117
25	HK$3,276
26	HK$3,436
27	HK$3,597
28	HK$3,757
29	HK$3,918
30	HK$4,078
31	HK$4,158
32	HK$4,241
33	HK$4,323
34	HK$4,406
35	HK$4,488
36	HK$4,572
37	HK$4,654
38	HK$4,774
39	HK$4,826
40	HK$4,886
41	HK$5,126
42	HK$5,314
43	HK$5,433
44	HK$5,634
45	HK$5,930
46	HK$6,224
47	HK$6,520
48	HK$6,814
49	HK$7,394
50	HK$7,882
51	HK$8,455
52	HK$8,630
53	HK$9,094
54	HK$9,558
55	HK$9,822
56	HK$10,419
57	HK$11,149
58	HK$11,810
59	HK$12,606
60	HK$13,397
61	HK$14,032
62	HK$14,666
63	HK$15,553
64	HK$16,406
65	HK$18,050
66	HK$20,037
67	HK$21,113
68	HK$22,311
69	HK$23,364
70	HK$25,026
71	HK$26,608
72	HK$27,662
73	HK$28,712
74	HK$29,939
75	HK$32,087
76	HK$33,314
77	HK$34,538
78	HK$35,764
79	HK$37,179
80	HK$39,066
81	HK$40,481
82	HK$41,892
83	HK$43,309
84	HK$44,922
85	HK$46,840
86	HK$48,453
87	HK$50,065
88	HK$51,677
89	HK$53,509
90	HK$55,044
91	HK$56,870
92	HK$58,696
93	HK$60,522
94	HK$62,574
95	HK$63,087
96	HK$65,143
97	HK$67,194
98	HK$69,248
99	HK$71,362
100	HK$73,543
101	HK$75,790
102	HK$78,106
103	HK$80,493
104	HK$82,950
105	HK$85,486
106	HK$88,096
107	HK$90,789
108	HK$93,563
109	HK$96,422
110	HK$99,367
111	HK$102,403
112	HK$105,531
113	HK$108,755
114	HK$112,079
115	HK$115,502
116	HK$119,032
117	HK$122,668
118	HK$126,417
119	HK$130,279
120	HK$134,259

Other deductible options in this series

16 deductibles — same benefit schedule, premium scales with deductible

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HK$96K

Current page

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.