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VHIS FlexiF00068-05-000-01

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

保誠自願醫保摯稱心計劃 - 半私家病房+額外醫療計劃 (美元)

Prudential Hong Kong Limited

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

01 · Plan at a glance

Quote a premium by age, gender and smoking status

Your premium

US$1,029.09 /yr

age
US$

Ward class

Semi-Private Room

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

Basic Benefits
  • (a) Room and board
    (a) 病房及膳食
    $284 per dayMaximum 180 days per Policy Year
  • (b) Miscellaneous charges
    (b) 雜項開支
    $3,097 per Policy Year
  • (c) Attending doctor's visit fee
    (c) 主診醫生巡房費
    $259 per dayMaximum 180 days per Policy Year
  • (d) Specialist's fee
    (d) 專科醫生費
    $852 per Policy Year
  • (e) Intensive care
    (e) 深切治療
    $800 per dayMaximum 90 days per Policy Year
  •     Surgeon's fee — Minor
    外科醫生費 — 小型
    $968
  •     Surgeon's fee — Intermediate
    外科醫生費 — 中型
    $2,420
  •     Surgeon's fee — Major
    外科醫生費 — 大型
    $4,839
  •     Surgeon's fee — Complex
    外科醫生費 — 複雜
    $9,678
  • (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
    $3,871 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
    $15,484 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
    $149 per visit, up to $594 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
    $4,517 per Policy Year
Extra Benefits
  • Hospital companion bed fee reimbursement
    住院陪床
    每日$104 每保單年度最多180日
  • Home nursing
    手術後家中護理
    每次$111 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 $14,194
  • Emergency outpatient treatment for Accident
    意外門診治療
    每次受傷 $1,239
  • 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$149 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$78 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
    $2,581 per Policy
  • Accidental Death benefit
    意外身故保障
    $2,581 per Policy
  • Medical accident and incident extension benefit
    醫療意外及事故保障
    $22,710 per Policy

Premium Schedule

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

AgeMaleFemale
0US$1,408.78US$1,075.57
1US$1,388.22US$1,050.81
2US$1,317.36US$997.2
3US$1,227.67US$921.45
4US$1,106.3US$839.11
5US$1,010.91US$741.66
6US$940.31US$682.43
7US$902.75US$628.93
8US$851.71US$596.02
9US$775.82US$587.44
10US$762.83US$593.94
11US$744.48US$606.21
12US$735.2US$618.72
13US$707.78US$631.48
14US$698.51US$644.47
15US$710.11US$662.68
16US$721.87US$681.35
17US$733.84US$700.55
18US$755.68US$720.28
19US$783.34US$740.54
20US$816.03US$804.26
21US$842.88US$858.59
22US$868.68US$916.55
23US$895.13US$978.36
24US$913.19US$1,044.28
25US$931.53US$1,082.05
26US$950.23US$1,121.09
27US$969.28US$1,161.49
28US$988.69US$1,203.26
29US$1,008.43US$1,240.22
30US$1,029.09US$1,276.09
31US$1,051.38US$1,330.21
32US$1,075.21US$1,397.45
33US$1,102.91US$1,466.33
34US$1,131.27US$1,529.12
35US$1,163.57US$1,589.71
36US$1,202.75US$1,645.79
37US$1,243.26US$1,703.53
38US$1,291.53US$1,762.97
39US$1,341.65US$1,824.2
40US$1,383.5US$1,872.34
41US$1,452.82US$1,947.15
42US$1,525.6US$2,036.78
43US$1,601.99US$2,119.26
44US$1,682.19US$2,207.25
45US$1,766.4US$2,293.37
46US$1,854.8US$2,348.45
47US$1,947.6US$2,403.24
48US$2,045.02US$2,467.28
49US$2,147.28US$2,524.13
50US$2,234.57US$2,563.32
51US$2,336.47US$2,596.92
52US$2,443.01US$2,630.95
53US$2,554.41US$2,665.41
54US$2,670.88US$2,713.79
55US$2,810.73US$2,769.71
56US$2,957.89US$2,863.75
57US$3,112.74US$2,949.13
58US$3,275.72US$3,059.14
59US$3,447.21US$3,196.01
60US$3,722.47US$3,342.72
61US$4,019.69US$3,598.9
62US$4,340.64US$3,874.62
63US$4,687.23US$4,171.37
64US$5,061.49US$4,490.76
65US$5,310.99US$4,719.43
66US$5,572.78US$4,959.63
67US$5,847.49US$5,211.95
68US$6,135.71US$5,477
69US$6,438.12US$5,755.39
70US$6,727.15US$6,031.52
71US$7,029.12US$6,306.15
72US$7,344.65US$6,593.25
73US$7,674.34US$6,893.36
74US$8,018.81US$7,207.11
75US$8,335.73US$7,496.04
76US$8,652.4US$7,786.22
77US$8,968.72US$8,077.16
78US$9,285.26US$8,369.09
79US$9,704.6US$8,680.57
80US$9,907.91US$8,861.41
81US$10,226.4US$9,041.43
82US$10,431.04US$9,221.05
83US$10,755.45US$9,507
84US$10,960.83US$9,687.42
85US$11,291.64US$9,978.71
86US$11,472.27US$10,138.35
87US$11,655.82US$10,414.98
88US$11,795.68US$10,597.85
89US$11,937.21US$10,783.61
90US$12,111.53US$10,939.78
91US$12,288.05US$11,097.89
92US$12,510.03US$11,235.65
93US$12,686.87US$11,356.39
94US$12,916.14US$11,459.57
95US$13,105.75US$11,587.28
96US$13,364.84US$11,726.79
97US$13,625.62US$11,891.01
98US$13,675.72US$12,053.61
99US$13,726.02US$12,093.75
100US$13,776.52US$12,133.99
101US$13,827.18US$12,174.4
102US$13,878.05US$12,214.93
103US$13,929.09US$12,255.59
104US$13,980.33US$12,296.4
105US$14,031.74US$12,337.34
106US$14,083.35US$12,378.42
107US$14,135.16US$12,419.63
108US$14,187.15US$12,460.98
109US$14,239.33US$12,502.46
110US$14,291.7US$12,544.08
111US$14,344.28US$12,585.85
112US$14,397.03US$12,627.75
113US$14,450US$12,669.79
114US$14,503.14US$12,711.97
115US$14,556.48US$12,754.28
116US$14,610.02US$12,796.75
117US$14,663.77US$12,839.36
118US$14,717.7US$12,882.11
119US$14,771.84US$12,924.99
120US$14,826.18US$12,968.02

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 PDFPremium 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)

View details →

Semi-private Room with SMM (HKD)

View details →

Private Room with SMM (HKD)

View details →

Ward with SMM (USD)

View details →

Semi-private Room with SMM (USD)

Current page

Private Room with SMM (USD)

View details →

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