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)

Prudential Hong Kong Limited

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Your premium

HK$7,573 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

Full coverage

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

Delayed onset

(x) 住院陪床
Effective from day 181 of confinement

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 day, maximum 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 day, maximum 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 day, maximum 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
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$30,000 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%)
(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, $4,600 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(l) Psychiatric treatments (l) 精神科治療	$35,000 per Policy Year
Extra Benefits
Daily post-surgery home nursing benefit 手術後家中護理	80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $860 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure)
Emergency outpatient treatment for Accident 意外門診治療	80% of the benefit payable under benefit item II (d)
Post-Confinement / Day Case Procedure auxiliary therapy 輔助服務（物理治療 (2) / 職業治療 (2) / 言語治療 (2) / 脊椎治療）	80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to $1,150 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Chinese Medicine Practitioner outpatient care 中醫指定癌症治療	80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $600 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment)
Complications of pregnancy 妊娠期併發症	Payable up to the relevant benefit limits under benefit items III (i) – III (xi)
Emergency outpatient treatment for Accident 意外門診治療	$1,755 per Injury, within 24 hours of the Accident
Cash Benefits
Hospital companion bed cash benefit 住院陪床	80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to $800 per day Effective from day 181 of confinement
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 day, maximum 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 day, maximum 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 day, maximum 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
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$30,000 per Policy Year. Subject to 30% Coinsurance (if all conditions stated in Section 1 of the Supplement – Benefits are fully met, the Coinsurance shall be 0%)
(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, $4,600 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure• Pre-admission covers: consultation, prescribed western medication or diagnostic test• Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test• Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(l) Psychiatric treatments
(l) 精神科治療
$35,000 per Policy Year

Extra Benefits

Daily post-surgery home nursing benefit
手術後家中護理
80% of Relevant Benefit Payable under the benefit item II (b) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $860 per visit (within 31 days after discharge from Hospital or completion of Day Case Procedure)
Emergency outpatient treatment for Accident
意外門診治療
80% of the benefit payable under benefit item II (d)
Post-Confinement / Day Case Procedure auxiliary therapy
輔助服務（物理治療 (2) / 職業治療 (2) / 言語治療 (2) / 脊椎治療）
80% of Relevant Benefit Payable under the benefit item II (e) starting from the 11th visit in a Policy Year, for a maximum of 21 visits for each Disability in a Policy Year, subject to $1,150 per visit (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Chinese Medicine Practitioner outpatient care
中醫指定癌症治療
80% of Relevant Benefit Payable under the benefit item II (f) starting from the 16th visit in a Policy Year, for a maximum of 16 visits (1 visit per day) for each Disability in a Policy Year, subject to $600 per visit (within 90 days after discharge from Hospital or Prescribed Non-surgical Cancer Treatment)
Complications of pregnancy
妊娠期併發症
Payable up to the relevant benefit limits under benefit items III (i) – III (xi)
Emergency outpatient treatment for Accident
意外門診治療
$1,755 per Injury, within 24 hours of the Accident

Cash Benefits

Hospital companion bed cash benefit
住院陪床
80% of Relevant Benefit Payable under the benefit item II (a) starting from the 181st day of Confinement in a Policy Year, subject to $800 per day
Effective from day 181 of confinement

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$10,368	HK$7,915
1	HK$10,216	HK$7,733
2	HK$9,695	HK$7,339
3	HK$9,035	HK$6,781
4	HK$8,142	HK$6,175
5	HK$7,439	HK$5,458
6	HK$6,920	HK$5,022
7	HK$6,643	HK$4,628
8	HK$6,268	HK$4,386
9	HK$5,709	HK$4,323
10	HK$5,640	HK$4,391
11	HK$5,505	HK$4,482
12	HK$5,436	HK$4,575
13	HK$5,233	HK$4,669
14	HK$5,165	HK$4,765
15	HK$5,251	HK$4,900
16	HK$5,338	HK$5,038
17	HK$5,426	HK$5,180
18	HK$5,588	HK$5,326
19	HK$5,792	HK$5,476
20	HK$6,005	HK$5,919
21	HK$6,203	HK$6,318
22	HK$6,393	HK$6,745
23	HK$6,587	HK$7,200
24	HK$6,720	HK$7,685
25	HK$6,855	HK$7,963
26	HK$6,993	HK$8,250
27	HK$7,133	HK$8,548
28	HK$7,276	HK$8,855
29	HK$7,421	HK$9,127
30	HK$7,573	HK$9,391
31	HK$7,737	HK$9,789
32	HK$7,913	HK$10,284
33	HK$8,117	HK$10,791
34	HK$8,325	HK$11,253
35	HK$8,563	HK$11,699
36	HK$8,851	HK$12,112
37	HK$9,150	HK$12,537
38	HK$9,505	HK$12,975
39	HK$9,874	HK$13,425
40	HK$10,230	HK$13,845
41	HK$10,743	HK$14,398
42	HK$11,281	HK$15,061
43	HK$11,846	HK$15,671
44	HK$12,439	HK$16,322
45	HK$13,062	HK$16,959
46	HK$13,716	HK$17,366
47	HK$14,402	HK$17,771
48	HK$15,122	HK$18,245
49	HK$15,879	HK$18,665
50	HK$16,524	HK$18,955
51	HK$17,278	HK$19,204
52	HK$18,065	HK$19,455
53	HK$18,889	HK$19,710
54	HK$19,750	HK$20,068
55	HK$20,785	HK$20,481
56	HK$21,873	HK$21,177
57	HK$23,018	HK$21,808
58	HK$24,223	HK$22,622
59	HK$25,492	HK$23,634
60	HK$27,527	HK$24,719
61	HK$29,725	HK$26,613
62	HK$32,098	HK$28,652
63	HK$34,661	HK$30,847
64	HK$37,429	HK$33,209
65	HK$39,274	HK$34,900
66	HK$41,210	HK$36,676
67	HK$43,242	HK$38,542
68	HK$45,373	HK$40,502
69	HK$47,609	HK$42,561
70	HK$49,747	HK$44,603
71	HK$51,980	HK$46,633
72	HK$54,313	HK$48,757
73	HK$56,751	HK$50,976
74	HK$59,299	HK$53,296
75	HK$61,642	HK$55,433
76	HK$63,984	HK$57,579
77	HK$66,323	HK$59,730
78	HK$68,664	HK$61,889
79	HK$71,765	HK$64,192
80	HK$73,269	HK$65,530
81	HK$75,624	HK$66,861
82	HK$77,137	HK$68,189
83	HK$79,536	HK$70,304
84	HK$81,055	HK$71,638
85	HK$83,501	HK$73,792
86	HK$84,837	HK$74,973
87	HK$86,194	HK$77,018
88	HK$87,229	HK$78,371
89	HK$88,275	HK$79,744
90	HK$89,564	HK$80,899
91	HK$90,870	HK$82,069
92	HK$92,511	HK$83,087
93	HK$93,819	HK$83,980
94	HK$95,515	HK$84,743
95	HK$96,917	HK$85,688
96	HK$98,833	HK$86,719
97	HK$100,761	HK$87,934
98	HK$101,132	HK$89,136
99	HK$101,504	HK$89,433
100	HK$101,877	HK$89,731
101	HK$102,252	HK$90,029
102	HK$102,628	HK$90,329
103	HK$103,005	HK$90,630
104	HK$103,384	HK$90,932
105	HK$103,765	HK$91,234
106	HK$104,146	HK$91,538
107	HK$104,529	HK$91,843
108	HK$104,914	HK$92,149
109	HK$105,300	HK$92,455
110	HK$105,687	HK$92,763
111	HK$106,076	HK$93,072
112	HK$106,466	HK$93,382
113	HK$106,858	HK$93,693
114	HK$107,251	HK$94,005
115	HK$107,645	HK$94,318
116	HK$108,041	HK$94,632
117	HK$108,438	HK$94,947
118	HK$108,837	HK$95,263
119	HK$109,238	HK$95,580
120	HK$109,639	HK$95,898

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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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: 2026-04-25

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.