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)

Prudential Hong Kong Limited

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Your premium

HK$4,039 /yr

age

Ward class

Ward

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	$1,100 per day, maximum 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 day, maximum 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 day, maximum 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
(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	$20,000 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	$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, $3,000 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	$30,000 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 $500 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 $750 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 $400 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 $600 per day Effective from day 181 of confinement
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 day, maximum 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 day, maximum 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 day, maximum 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
(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
$20,000 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
$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, $3,000 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
$30,000 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 $500 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 $750 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 $400 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 $600 per day
Effective from day 181 of confinement

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$5,768	HK$4,468
1	HK$5,669	HK$4,382
2	HK$5,513	HK$4,176
3	HK$5,110	HK$3,906
4	HK$4,570	HK$3,569
5	HK$3,939	HK$3,142
6	HK$3,700	HK$2,869
7	HK$3,484	HK$2,565
8	HK$3,256	HK$2,398
9	HK$3,090	HK$2,341
10	HK$2,884	HK$2,358
11	HK$2,843	HK$2,370
12	HK$2,834	HK$2,382
13	HK$2,775	HK$2,394
14	HK$2,741	HK$2,406
15	HK$2,753	HK$2,482
16	HK$2,765	HK$2,560
17	HK$2,852	HK$2,640
18	HK$3,057	HK$2,723
19	HK$3,189	HK$2,808
20	HK$3,240	HK$2,983
21	HK$3,388	HK$3,145
22	HK$3,500	HK$3,317
23	HK$3,593	HK$3,498
24	HK$3,688	HK$3,689
25	HK$3,785	HK$3,890
26	HK$3,863	HK$4,102
27	HK$3,897	HK$4,325
28	HK$3,932	HK$4,552
29	HK$3,966	HK$4,809
30	HK$4,039	HK$4,958
31	HK$4,151	HK$5,153
32	HK$4,266	HK$5,356
33	HK$4,385	HK$5,566
34	HK$4,507	HK$5,785
35	HK$4,632	HK$6,012
36	HK$4,760	HK$6,163
37	HK$4,892	HK$6,389
38	HK$5,028	HK$6,617
39	HK$5,167	HK$7,012
40	HK$5,387	HK$7,245
41	HK$5,638	HK$7,487
42	HK$5,901	HK$7,733
43	HK$6,138	HK$8,015
44	HK$6,381	HK$8,438
45	HK$6,641	HK$8,671
46	HK$6,992	HK$8,905
47	HK$7,318	HK$9,198
48	HK$7,658	HK$9,447
49	HK$8,014	HK$9,758
50	HK$8,421	HK$9,901
51	HK$8,812	HK$10,013
52	HK$9,152	HK$10,120
53	HK$9,510	HK$10,223
54	HK$10,039	HK$10,321
55	HK$10,551	HK$10,583
56	HK$11,067	HK$10,774
57	HK$11,575	HK$10,945
58	HK$12,107	HK$11,094
59	HK$12,664	HK$11,467
60	HK$13,572	HK$11,942
61	HK$14,598	HK$12,827
62	HK$15,702	HK$13,726
63	HK$16,890	HK$14,492
64	HK$18,076	HK$15,424
65	HK$19,110	HK$16,322
66	HK$20,103	HK$17,271
67	HK$21,147	HK$18,275
68	HK$22,245	HK$19,335
69	HK$23,400	HK$20,456
70	HK$24,620	HK$21,490
71	HK$25,811	HK$22,412
72	HK$27,061	HK$23,372
73	HK$28,371	HK$24,374
74	HK$29,745	HK$25,419
75	HK$30,903	HK$26,471
76	HK$32,060	HK$27,534
77	HK$33,217	HK$28,608
78	HK$34,373	HK$29,696
79	HK$35,580	HK$30,788
80	HK$37,394	HK$32,538
81	HK$38,538	HK$33,235
82	HK$39,536	HK$33,931
83	HK$40,378	HK$34,838
84	HK$41,220	HK$35,753
85	HK$42,270	HK$36,679
86	HK$43,327	HK$37,526
87	HK$44,267	HK$38,391
88	HK$45,226	HK$39,120
89	HK$46,022	HK$39,861
90	HK$47,276	HK$40,495
91	HK$48,243	HK$41,382
92	HK$49,062	HK$42,200
93	HK$49,863	HK$42,975
94	HK$50,665	HK$43,678
95	HK$51,472	HK$44,388
96	HK$52,287	HK$45,103
97	HK$53,104	HK$45,821
98	HK$53,929	HK$46,544
99	HK$54,197	HK$47,273
100	HK$54,465	HK$48,008
101	HK$54,735	HK$48,748
102	HK$55,006	HK$48,984
103	HK$55,279	HK$49,220
104	HK$55,553	HK$49,458
105	HK$55,828	HK$49,696
106	HK$56,105	HK$49,936
107	HK$56,383	HK$50,177
108	HK$56,662	HK$50,420
109	HK$56,943	HK$50,663
110	HK$57,226	HK$50,908
111	HK$57,509	HK$51,153
112	HK$57,794	HK$51,400
113	HK$58,081	HK$51,648
114	HK$58,369	HK$51,898
115	HK$58,658	HK$52,148
116	HK$58,949	HK$52,400
117	HK$59,241	HK$52,653
118	HK$59,534	HK$52,907
119	HK$59,830	HK$53,163
120	HK$60,126	HK$53,419

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

Ward with SMM (HKD)

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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.