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PRUHealth VHIS EasyChoice Plan - Semi-private Room with SMM (HKD)

保誠自願醫保摯稱心計劃 - 半私家病房+額外醫療計劃 (港元)

PRUHealth VHIS EasyChoice Plan - Semi-private Room with SMM (HKD) is a VHIS Flexi plan offered by Prudential Hong Kong Limited, with ward class Semi-Private Room, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Oct 1, 2026.

VHIS FlexiF00068-02-000-01

Plan at a glance

Ward class: Semi-Private Room
Coverage region: Worldwide (including United States)
Deductible: —
Annual benefit limit: No overall limit
Per-illness annual limit: —
Lifetime benefit limit: No overall limit
SMM Supplemental Major Medical: Full coverage

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	$2,200 per dayMaximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$24,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,000 per dayMaximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,600 per Policy Year
(e) Intensive care (e) 深切治療	$6,200 per dayMaximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$7,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$18,750
Surgeon's fee — Major 外科醫生費 — 大型	$37,500
Surgeon's fee — Complex 外科醫生費 — 複雜	$75,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable (5)
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable (5)
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$30,000 per Policy YearSubject to 30% Coinsurance (Coinsurance shall be 0% if theconditions stated in Section 1 of the Supplement - Benefits arefully satisfied)
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$120,000 per Policy Year
(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	$1,150 per visit, up to $4,600 per Policy Year• 1 prior outpatient visit or Emergency consultation perConfinement / Day Case Procedure• 3 follow-up outpatient visits per Confinement / Day CaseProcedure (within 90 days after discharge from Hospital orcompletion of Day Case Procedure)
(l) Psychiatric treatments (l) 精神科治療	$35,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 住院陪床	每日$800 每保單年度最多180日
Home nursing 手術後家中護理	每次$860 每保單年度最多15次（每日1次） • 出院 / 日間手術後31日內
Outpatient kidney dialysis 透析治療	每保單年度 $110,000
Emergency outpatient treatment for Accident 意外門診治療	每次受傷 $9,600
Post-Confinement / Day Case Procedure auxiliary therapy 輔助服務（物理治療 / 職業治療 / 言語治療 / 脊椎治療）	每次$1,150 每保單年度最多10次住院 / 日間手術前最多1次診治出院 / 日間手術後90日內的診治
Chinese Medicine Practitioner outpatient care 中醫指定癌症治療	每次$600 每保單年度最多15次（每日1次） • 出院 / 訂明非手術癌症治療後90日內
Complications of pregnancy 妊娠期併發症	根據保障項目I (a)–I (i) 、I (k) 、II (a) 及II (b) 的相關賠償限額支付
Event Benefits
Compassionate death benefit 恩恤身故保障	$20,000 per Policy
Accidental Death benefit 意外身故保障	$20,000 per Policy
Medical accident and incident extension benefit 醫療意外及事故保障	$176,000 per Policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,200 per dayMaximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$24,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,000 per dayMaximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,600 per Policy Year
(e) Intensive care
(e) 深切治療
$6,200 per dayMaximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$7,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$18,750
Surgeon's fee — Major
外科醫生費 — 大型
$37,500
Surgeon's fee — Complex
外科醫生費 — 複雜
$75,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable (5)
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable (5)
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$30,000 per Policy YearSubject to 30% Coinsurance (Coinsurance shall be 0% if theconditions stated in Section 1 of the Supplement - Benefits arefully satisfied)
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$120,000 per Policy Year
(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
$1,150 per visit, up to $4,600 per Policy Year• 1 prior outpatient visit or Emergency consultation perConfinement / Day Case Procedure• 3 follow-up outpatient visits per Confinement / Day CaseProcedure (within 90 days after discharge from Hospital orcompletion of Day Case Procedure)
(l) Psychiatric treatments
(l) 精神科治療
$35,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
住院陪床
每日$800 每保單年度最多180日
Home nursing
手術後家中護理
每次$860 每保單年度最多15次（每日1次） • 出院 / 日間手術後31日內
Outpatient kidney dialysis
透析治療
每保單年度 $110,000
Emergency outpatient treatment for Accident
意外門診治療
每次受傷 $9,600
Post-Confinement / Day Case Procedure auxiliary therapy
輔助服務（物理治療 / 職業治療 / 言語治療 / 脊椎治療）
每次$1,150 每保單年度最多10次住院 / 日間手術前最多1次診治出院 / 日間手術後90日內的診治
Chinese Medicine Practitioner outpatient care
中醫指定癌症治療
每次$600 每保單年度最多15次（每日1次） • 出院 / 訂明非手術癌症治療後90日內
Complications of pregnancy
妊娠期併發症
根據保障項目I (a)–I (i) 、I (k) 、II (a) 及II (b) 的相關賠償限額支付

Event Benefits

Compassionate death benefit
恩恤身故保障
$20,000 per Policy
Accidental Death benefit
意外身故保障
$20,000 per Policy
Medical accident and incident extension benefit
醫療意外及事故保障
$176,000 per Policy

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$10,918	HK$8,336
1	HK$10,759	HK$8,144
2	HK$10,210	HK$7,728
3	HK$9,514	HK$7,141
4	HK$8,574	HK$6,503
5	HK$7,835	HK$5,748
6	HK$7,287	HK$5,289
7	HK$6,996	HK$4,874
8	HK$6,601	HK$4,619
9	HK$6,013	HK$4,553
10	HK$5,912	HK$4,603
11	HK$5,770	HK$4,698
12	HK$5,698	HK$4,795
13	HK$5,485	HK$4,894
14	HK$5,413	HK$4,995
15	HK$5,503	HK$5,136
16	HK$5,594	HK$5,280
17	HK$5,687	HK$5,429
18	HK$5,857	HK$5,582
19	HK$6,071	HK$5,739
20	HK$6,324	HK$6,233
21	HK$6,532	HK$6,654
22	HK$6,732	HK$7,103
23	HK$6,937	HK$7,582
24	HK$7,077	HK$8,093
25	HK$7,219	HK$8,386
26	HK$7,364	HK$8,688
27	HK$7,512	HK$9,002
28	HK$7,662	HK$9,325
29	HK$7,815	HK$9,612
30	HK$7,975	HK$9,890
31	HK$8,148	HK$10,309
32	HK$8,333	HK$10,830
33	HK$8,548	HK$11,364
34	HK$8,767	HK$11,851
35	HK$9,018	HK$12,320
36	HK$9,321	HK$12,755
37	HK$9,635	HK$13,202
38	HK$10,009	HK$13,663
39	HK$10,398	HK$14,138
40	HK$10,722	HK$14,511
41	HK$11,259	HK$15,090
42	HK$11,823	HK$15,785
43	HK$12,415	HK$16,424
44	HK$13,037	HK$17,106
45	HK$13,690	HK$17,774
46	HK$14,375	HK$18,200
47	HK$15,094	HK$18,625
48	HK$15,849	HK$19,121
49	HK$16,641	HK$19,562
50	HK$17,318	HK$19,866
51	HK$18,108	HK$20,126
52	HK$18,933	HK$20,390
53	HK$19,797	HK$20,657
54	HK$20,699	HK$21,032
55	HK$21,783	HK$21,465
56	HK$22,924	HK$22,194
57	HK$24,124	HK$22,856
58	HK$25,387	HK$23,708
59	HK$26,716	HK$24,769
60	HK$28,849	HK$25,906
61	HK$31,153	HK$27,891
62	HK$33,640	HK$30,028
63	HK$36,326	HK$32,328
64	HK$39,227	HK$34,803
65	HK$41,160	HK$36,576
66	HK$43,189	HK$38,437
67	HK$45,318	HK$40,393
68	HK$47,552	HK$42,447
69	HK$49,895	HK$44,604
70	HK$52,135	HK$46,744
71	HK$54,476	HK$48,873
72	HK$56,921	HK$51,098
73	HK$59,476	HK$53,424
74	HK$62,146	HK$55,855
75	HK$64,602	HK$58,094
76	HK$67,056	HK$60,343
77	HK$69,508	HK$62,598
78	HK$71,961	HK$64,860
79	HK$75,211	HK$67,274
80	HK$76,786	HK$68,676
81	HK$79,255	HK$70,071
82	HK$80,841	HK$71,463
83	HK$83,355	HK$73,679
84	HK$84,946	HK$75,078
85	HK$87,510	HK$77,335
86	HK$88,910	HK$78,572
87	HK$90,333	HK$80,716
88	HK$91,417	HK$82,133
89	HK$92,513	HK$83,573
90	HK$93,864	HK$84,783
91	HK$95,232	HK$86,009
92	HK$96,953	HK$87,076
93	HK$98,323	HK$88,012
94	HK$100,100	HK$88,812
95	HK$101,570	HK$89,801
96	HK$103,578	HK$90,883
97	HK$105,599	HK$92,155
98	HK$105,987	HK$93,415
99	HK$106,377	HK$93,727
100	HK$106,768	HK$94,038
101	HK$107,161	HK$94,352
102	HK$107,555	HK$94,666
103	HK$107,950	HK$94,981
104	HK$108,348	HK$95,297
105	HK$108,746	HK$95,614
106	HK$109,146	HK$95,933
107	HK$109,547	HK$96,252
108	HK$109,950	HK$96,573
109	HK$110,355	HK$96,894
110	HK$110,761	HK$97,217
111	HK$111,168	HK$97,540
112	HK$111,577	HK$97,865
113	HK$111,988	HK$98,191
114	HK$112,399	HK$98,518
115	HK$112,813	HK$98,846
116	HK$113,228	HK$99,175
117	HK$113,644	HK$99,505
118	HK$114,062	HK$99,836
119	HK$114,482	HK$100,169
120	HK$114,903	HK$100,502

Premium history →

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.

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

Ward with SMM (HKD)

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Semi-private Room with SMM (HKD)

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Private Room with SMM (HKD)

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Ward with SMM (USD)

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Semi-private Room with SMM (USD)

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Private Room with SMM (USD)

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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 EasyChoice Plan - Semi-private Room with SMM (HKD)

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