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VHIS Flexi · F00068-04-000-01
PRUHealth VHIS EasyChoice Plan - Ward with SMM (USD)
保誠自願醫保摯稱心計劃 - 普通病房+額外醫療計劃 (美元)
Your premium
US$521 /yr
age
US$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 | $142 per day, maximum 180 days per Policy Year |
(b) Miscellaneous charges (b) 雜項開支 | $2,065 per Policy Year |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | $124 per day, maximum 180 days per Policy Year |
(d) Specialist's fee (d) 專科醫生費 | $555 per Policy Year |
(e) Intensive care (e) 深切治療 | $452 per day, maximum 90 days per Policy Year |
Surgeon's fee — Minor 外科醫生費 — 小型 | $646 |
Surgeon's fee — Intermediate 外科醫生費 — 中型 | $1,613 |
Surgeon's fee — Major 外科醫生費 — 大型 | $3,226 |
Surgeon's fee — Complex 外科醫生費 — 複雜 | $6,452 |
(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 | $2,581 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 | $10,323 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 | $97, per visit, $388 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 | $3,871 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 $65 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 $97 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 $52 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 $78 per day Effective from day 181 of confinement |
| Event Benefits | |
Compassionate death benefit 恩恤身故保障 | $1,033 per Policy |
Accidental Death benefit 意外身故保障 | $1,033 per Policy |
Medical accident and incident extension benefit 醫療意外及事故保障 | $11,355 per Policy |
Basic Benefits
- (a) Room and board(a) 病房及膳食$142 per day, maximum 180 days per Policy Year
- (b) Miscellaneous charges(b) 雜項開支$2,065 per Policy Year
- (c) Attending doctor's visit fee(c) 主診醫生巡房費$124 per day, maximum 180 days per Policy Year
- (d) Specialist's fee(d) 專科醫生費$555 per Policy Year
- (e) Intensive care(e) 深切治療$452 per day, maximum 90 days per Policy Year
- Surgeon's fee — Minor外科醫生費 — 小型$646
- Surgeon's fee — Intermediate外科醫生費 — 中型$1,613
- Surgeon's fee — Major外科醫生費 — 大型$3,226
- Surgeon's fee — Complex外科醫生費 — 複雜$6,452
- (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$2,581 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$10,323 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$97, per visit, $388 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$3,871 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 $65 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 $97 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 $52 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 $78 per dayEffective from day 181 of confinement
Event Benefits
- Compassionate death benefit恩恤身故保障$1,033 per Policy
- Accidental Death benefit意外身故保障$1,033 per Policy
- Medical accident and incident extension benefit醫療意外及事故保障$11,355 per Policy
Premium Schedule
Annual premium · Premium varies by gender (smoking-agnostic) · USD
Other deductible options in this series
6 deductibles — same benefit schedule, premium scales with deductible
- 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.