PRUHealth VHIS EasyChoice Plan - Private Room with SMM (HKD)

保誠自願醫保摯稱心計劃 - 私家病房+額外醫療計劃 (港元)

Prudential Hong Kong Limited

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Your premium

HK$14,894 /yr

age

Ward class

Standard 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	$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$35,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$3,800 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$12,280 per Policy Year
(e) Intensive care (e) 深切治療	$9,600 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$11,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$27,500
Surgeon's fee — Major 外科醫生費 — 大型	$55,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$110,000
(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	$40,000 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	$160,000 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	$1,500, per visit, $6,000 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	$40,000 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 $1,260 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 $1,500 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 $800 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 $1,000 per day Effective from day 181 of confinement
Event Benefits
Compassionate death benefit 恩恤身故保障	$40,000 per Policy
Accidental Death benefit 意外身故保障	$40,000 per Policy
Medical accident and incident extension benefit 醫療意外及事故保障	$344,000 per Policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$35,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$3,800 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$12,280 per Policy Year
(e) Intensive care
(e) 深切治療
$9,600 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$11,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$27,500
Surgeon's fee — Major
外科醫生費 — 大型
$55,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$110,000
(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
$40,000 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
$160,000 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
$1,500, per visit, $6,000 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
$40,000 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 $1,260 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 $1,500 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 $800 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 $1,000 per day
Effective from day 181 of confinement

Event Benefits

Compassionate death benefit
恩恤身故保障
$40,000 per Policy
Accidental Death benefit
意外身故保障
$40,000 per Policy
Medical accident and incident extension benefit
醫療意外及事故保障
$344,000 per Policy

Premium Schedule

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

Age	Male	Female
0	HK$20,405	HK$15,900
1	HK$19,400	HK$15,115
2	HK$17,980	HK$14,009
3	HK$16,334	HK$12,712
4	HK$14,716	HK$11,379
5	HK$12,781	HK$9,852
6	HK$11,887	HK$9,064
7	HK$11,370	HK$8,470
8	HK$10,865	HK$8,298
9	HK$10,294	HK$8,083
10	HK$10,100	HK$8,076
11	HK$9,922	HK$8,060
12	HK$9,719	HK$8,051
13	HK$9,493	HK$7,980
14	HK$9,346	HK$7,908
15	HK$9,404	HK$8,144
16	HK$9,480	HK$8,386
17	HK$9,575	HK$8,636
18	HK$9,730	HK$8,893
19	HK$9,967	HK$9,158
20	HK$10,221	HK$9,791
21	HK$10,620	HK$10,574
22	HK$10,979	HK$11,042
23	HK$11,350	HK$11,834
24	HK$11,732	HK$12,790
25	HK$12,207	HK$13,414
26	HK$12,700	HK$14,068
27	HK$13,213	HK$14,755
28	HK$13,745	HK$15,475
29	HK$14,299	HK$16,230
30	HK$14,894	HK$16,832
31	HK$15,391	HK$17,477
32	HK$15,906	HK$18,147
33	HK$16,437	HK$18,842
34	HK$16,986	HK$19,563
35	HK$17,554	HK$20,312
36	HK$18,141	HK$21,090
37	HK$18,747	HK$21,897
38	HK$19,373	HK$22,735
39	HK$20,020	HK$23,605
40	HK$20,477	HK$24,417
41	HK$20,992	HK$25,344
42	HK$21,521	HK$26,307
43	HK$22,163	HK$27,306
44	HK$22,929	HK$28,343
45	HK$23,810	HK$29,420
46	HK$25,066	HK$30,537
47	HK$26,387	HK$31,697
48	HK$27,778	HK$32,901
49	HK$29,096	HK$34,150
50	HK$30,262	HK$35,109
51	HK$31,465	HK$35,851
52	HK$32,716	HK$36,609
53	HK$34,017	HK$37,380
54	HK$35,369	HK$38,167
55	HK$37,316	HK$38,970
56	HK$39,371	HK$39,787
57	HK$41,539	HK$40,621
58	HK$43,826	HK$41,470
59	HK$46,701	HK$42,587
60	HK$50,791	HK$44,419
61	HK$55,922	HK$46,875
62	HK$61,570	HK$51,169
63	HK$66,432	HK$54,918
64	HK$73,140	HK$58,940
65	HK$78,419	HK$62,297
66	HK$82,230	HK$65,845
67	HK$86,065	HK$69,593
68	HK$89,924	HK$73,553
69	HK$93,807	HK$77,737
70	HK$98,152	HK$81,731
71	HK$102,409	HK$85,634
72	HK$106,684	HK$89,723
73	HK$110,977	HK$94,007
74	HK$115,288	HK$98,495
75	HK$119,756	HK$102,494
76	HK$124,337	HK$106,504
77	HK$128,664	HK$110,520
78	HK$132,974	HK$114,546
79	HK$137,350	HK$118,699
80	HK$141,477	HK$121,290
81	HK$144,493	HK$123,877
82	HK$147,065	HK$127,905
83	HK$149,625	HK$130,521
84	HK$152,162	HK$133,142
85	HK$154,532	HK$137,283
86	HK$156,850	HK$139,617
87	HK$159,664	HK$141,991
88	HK$162,883	HK$143,836
89	HK$165,662	HK$147,325
90	HK$168,129	HK$148,651
91	HK$170,151	HK$151,637
92	HK$171,853	HK$154,664
93	HK$173,994	HK$157,563
94	HK$176,540	HK$160,033
95	HK$179,099	HK$162,518
96	HK$180,733	HK$164,166
97	HK$182,562	HK$165,825
98	HK$184,396	HK$166,636
99	HK$186,243	HK$167,450
100	HK$187,149	HK$168,702
101	HK$188,059	HK$169,962
102	HK$188,974	HK$171,267
103	HK$189,893	HK$172,104
104	HK$190,817	HK$172,945
105	HK$191,745	HK$173,790
106	HK$192,677	HK$174,639
107	HK$193,615	HK$175,492
108	HK$194,556	HK$176,350
109	HK$195,503	HK$177,212
110	HK$196,454	HK$178,078
111	HK$197,409	HK$178,948
112	HK$198,370	HK$179,822
113	HK$199,335	HK$180,701
114	HK$200,304	HK$181,584
115	HK$201,279	HK$182,471
116	HK$202,258	HK$183,363
117	HK$203,241	HK$184,259
118	HK$204,230	HK$185,159
119	HK$205,223	HK$186,064
120	HK$206,222	HK$186,973

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.