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PRUHealth VHIS EasyChoice Plan - Ward with SMM (HKD)

保誠自願醫保摯稱心計劃 - 普通病房+額外醫療計劃 (港元)

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

VHIS FlexiF00068-01-000-01

Plan at a glance

Ward class: Ward
Coverage region: Worldwide (including United States)
Deductible: —
Annual benefit limit: No cap
Per-illness annual limit: —
Lifetime benefit limit: No cap
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	$1,100 per dayMaximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$16,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$960 per dayMaximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per dayMaximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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	$20,000 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	$80,000 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	$750 per visit, up to $3,000 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	$30,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 住院陪床	每日$600 每保單年度最多180日
Home nursing 手術後家中護理	每次$500 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 $50,000
Emergency outpatient treatment for Accident 意外門診治療	每次受傷 $5,600
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$750 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$400 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	$8,000 per Policy
Accidental Death benefit 意外身故保障	$8,000 per Policy
Medical accident and incident extension benefit 醫療意外及事故保障	$88,000 per Policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,100 per dayMaximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$16,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$960 per dayMaximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per dayMaximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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
$20,000 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
$80,000 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
$750 per visit, up to $3,000 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
$30,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
住院陪床
每日$600 每保單年度最多180日
Home nursing
手術後家中護理
每次$500 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 $50,000
Emergency outpatient treatment for Accident
意外門診治療
每次受傷 $5,600
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$750 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$400 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
$8,000 per Policy
Accidental Death benefit
意外身故保障
$8,000 per Policy
Medical accident and incident extension benefit
醫療意外及事故保障
$88,000 per Policy

Premium Schedule

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

Age	Male	Female
0	HK$6,075	HK$4,705
1	HK$5,971	HK$4,615
2	HK$5,806	HK$4,398
3	HK$5,381	HK$4,114
4	HK$4,813	HK$3,759
5	HK$4,149	HK$3,309
6	HK$3,897	HK$3,021
7	HK$3,670	HK$2,702
8	HK$3,429	HK$2,526
9	HK$3,255	HK$2,466
10	HK$3,024	HK$2,472
11	HK$2,981	HK$2,485
12	HK$2,971	HK$2,497
13	HK$2,909	HK$2,510
14	HK$2,874	HK$2,522
15	HK$2,886	HK$2,602
16	HK$2,898	HK$2,683
17	HK$2,989	HK$2,768
18	HK$3,204	HK$2,854
19	HK$3,343	HK$2,944
20	HK$3,412	HK$3,141
21	HK$3,569	HK$3,313
22	HK$3,686	HK$3,493
23	HK$3,784	HK$3,684
24	HK$3,884	HK$3,885
25	HK$3,986	HK$4,097
26	HK$4,068	HK$4,320
27	HK$4,104	HK$4,555
28	HK$4,141	HK$4,794
29	HK$4,177	HK$5,065
30	HK$4,254	HK$5,222
31	HK$4,372	HK$5,427
32	HK$4,493	HK$5,640
33	HK$4,618	HK$5,862
34	HK$4,746	HK$6,092
35	HK$4,878	HK$6,331
36	HK$5,013	HK$6,491
37	HK$5,152	HK$6,729
38	HK$5,295	HK$6,968
39	HK$5,441	HK$7,384
40	HK$5,646	HK$7,594
41	HK$5,909	HK$7,847
42	HK$6,185	HK$8,105
43	HK$6,434	HK$8,400
44	HK$6,688	HK$8,844
45	HK$6,960	HK$9,088
46	HK$7,329	HK$9,333
47	HK$7,670	HK$9,640
48	HK$8,026	HK$9,902
49	HK$8,399	HK$10,227
50	HK$8,825	HK$10,377
51	HK$9,236	HK$10,494
52	HK$9,592	HK$10,607
53	HK$9,967	HK$10,714
54	HK$10,522	HK$10,818
55	HK$11,059	HK$11,092
56	HK$11,599	HK$11,292
57	HK$12,132	HK$11,471
58	HK$12,689	HK$11,627
59	HK$13,272	HK$12,019
60	HK$14,224	HK$12,516
61	HK$15,300	HK$13,444
62	HK$16,457	HK$14,385
63	HK$17,701	HK$15,188
64	HK$18,944	HK$16,165
65	HK$20,028	HK$17,106
66	HK$21,069	HK$18,101
67	HK$22,163	HK$19,153
68	HK$23,314	HK$20,264
69	HK$24,524	HK$21,439
70	HK$25,802	HK$22,523
71	HK$27,051	HK$23,488
72	HK$28,361	HK$24,495
73	HK$29,734	HK$25,545
74	HK$31,173	HK$26,640
75	HK$32,387	HK$27,743
76	HK$33,599	HK$28,857
77	HK$34,812	HK$29,982
78	HK$36,023	HK$31,123
79	HK$37,289	HK$32,267
80	HK$39,190	HK$34,101
81	HK$40,388	HK$34,831
82	HK$41,434	HK$35,560
83	HK$42,317	HK$36,511
84	HK$43,199	HK$37,470
85	HK$44,300	HK$38,440
86	HK$45,407	HK$39,328
87	HK$46,392	HK$40,234
88	HK$47,397	HK$40,998
89	HK$48,232	HK$41,775
90	HK$49,546	HK$42,440
91	HK$50,560	HK$43,369
92	HK$51,417	HK$44,226
93	HK$52,257	HK$45,038
94	HK$53,098	HK$45,776
95	HK$53,943	HK$46,520
96	HK$54,798	HK$47,269
97	HK$55,654	HK$48,021
98	HK$56,519	HK$48,779
99	HK$56,799	HK$49,543
100	HK$57,080	HK$50,313
101	HK$57,363	HK$51,089
102	HK$57,647	HK$51,336
103	HK$57,933	HK$51,583
104	HK$58,220	HK$51,832
105	HK$58,509	HK$52,083
106	HK$58,799	HK$52,334
107	HK$59,090	HK$52,587
108	HK$59,383	HK$52,841
109	HK$59,677	HK$53,096
110	HK$59,973	HK$53,352
111	HK$60,271	HK$53,610
112	HK$60,569	HK$53,868
113	HK$60,869	HK$54,128
114	HK$61,171	HK$54,390
115	HK$61,474	HK$54,652
116	HK$61,779	HK$54,916
117	HK$62,085	HK$55,181
118	HK$62,393	HK$55,448
119	HK$62,702	HK$55,715
120	HK$63,013	HK$55,984

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 - Ward 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