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VHIS FlexiF00068-03-000-01

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)

PRUHealth VHIS EasyChoice Plan - Private Room with SMM (HKD) is a VHIS Flexi plan offered by Prudential Hong Kong Limited, with ward class Standard 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

HK$15,684 /yr

age

Ward class

Standard 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

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$4,000 per dayMaximum 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 dayMaximum 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 dayMaximum 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 (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	$40,000 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	$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, up to $6,000 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	$40,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 住院陪床	每日$1,000 每保單年度最多180日
Home nursing 手術後家中護理	每次$1,260 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 $150,000
Emergency outpatient treatment for Accident 意外門診治療	每次受傷 $13,600
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$1,500 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$800 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	$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 dayMaximum 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 dayMaximum 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 dayMaximum 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 (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
$40,000 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
$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, up to $6,000 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
$40,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
住院陪床
每日$1,000 每保單年度最多180日
Home nursing
手術後家中護理
每次$1,260 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 $150,000
Emergency outpatient treatment for Accident
意外門診治療
每次受傷 $13,600
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$1,500 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$800 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
$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$21,487	HK$16,743
1	HK$20,429	HK$15,917
2	HK$18,934	HK$14,753
3	HK$17,201	HK$13,387
4	HK$15,497	HK$11,983
5	HK$13,459	HK$10,375
6	HK$12,517	HK$9,545
7	HK$11,974	HK$8,920
8	HK$11,441	HK$8,738
9	HK$10,840	HK$8,513
10	HK$10,585	HK$8,464
11	HK$10,399	HK$8,448
12	HK$10,186	HK$8,439
13	HK$9,950	HK$8,363
14	HK$9,795	HK$8,289
15	HK$9,856	HK$8,536
16	HK$9,935	HK$8,790
17	HK$10,035	HK$9,052
18	HK$10,198	HK$9,321
19	HK$10,446	HK$9,599
20	HK$10,764	HK$10,311
21	HK$11,184	HK$11,136
22	HK$11,562	HK$11,627
23	HK$11,952	HK$12,462
24	HK$12,355	HK$13,468
25	HK$12,854	HK$14,126
26	HK$13,374	HK$14,815
27	HK$13,914	HK$15,538
28	HK$14,474	HK$16,296
29	HK$15,057	HK$17,091
30	HK$15,684	HK$17,725
31	HK$16,208	HK$18,404
32	HK$16,749	HK$19,109
33	HK$17,309	HK$19,841
34	HK$17,888	HK$20,601
35	HK$18,485	HK$21,390
36	HK$19,103	HK$22,208
37	HK$19,741	HK$23,059
38	HK$20,401	HK$23,941
39	HK$21,082	HK$24,857
40	HK$21,460	HK$25,590
41	HK$22,001	HK$26,562
42	HK$22,554	HK$27,570
43	HK$23,228	HK$28,618
44	HK$24,031	HK$29,705
45	HK$24,953	HK$30,833
46	HK$26,269	HK$32,004
47	HK$27,655	HK$33,219
48	HK$29,113	HK$34,481
49	HK$30,494	HK$35,790
50	HK$31,716	HK$36,795
51	HK$32,977	HK$37,573
52	HK$34,287	HK$38,367
53	HK$35,650	HK$39,175
54	HK$37,067	HK$40,000
55	HK$39,108	HK$40,841
56	HK$41,262	HK$41,698
57	HK$43,533	HK$42,572
58	HK$45,930	HK$43,462
59	HK$48,943	HK$44,632
60	HK$53,230	HK$46,552
61	HK$58,607	HK$49,126
62	HK$64,526	HK$53,626
63	HK$69,622	HK$57,555
64	HK$76,651	HK$61,770
65	HK$82,184	HK$65,288
66	HK$86,178	HK$69,006
67	HK$90,196	HK$72,935
68	HK$94,241	HK$77,085
69	HK$98,311	HK$81,469
70	HK$102,864	HK$85,655
71	HK$107,325	HK$89,745
72	HK$111,806	HK$94,030
73	HK$116,305	HK$98,520
74	HK$120,823	HK$103,224
75	HK$125,505	HK$107,415
76	HK$130,306	HK$111,616
77	HK$134,840	HK$115,826
78	HK$139,357	HK$120,045
79	HK$143,943	HK$124,397
80	HK$148,269	HK$127,112
81	HK$151,430	HK$129,824
82	HK$154,125	HK$134,045
83	HK$156,808	HK$136,787
84	HK$159,467	HK$139,533
85	HK$161,950	HK$143,874
86	HK$164,379	HK$146,320
87	HK$167,329	HK$148,807
88	HK$170,702	HK$150,741
89	HK$173,614	HK$154,397
90	HK$176,200	HK$155,787
91	HK$178,319	HK$158,916
92	HK$180,103	HK$162,089
93	HK$182,347	HK$165,127
94	HK$185,015	HK$167,716
95	HK$187,696	HK$170,319
96	HK$189,409	HK$172,047
97	HK$191,326	HK$173,786
98	HK$193,247	HK$174,635
99	HK$195,183	HK$175,488
100	HK$196,132	HK$176,800
101	HK$197,087	HK$178,121
102	HK$198,045	HK$179,489
103	HK$199,009	HK$180,366
104	HK$199,977	HK$181,247
105	HK$200,949	HK$182,133
106	HK$201,927	HK$183,023
107	HK$202,909	HK$183,917
108	HK$203,896	HK$184,816
109	HK$204,888	HK$185,719
110	HK$205,884	HK$186,626
111	HK$206,886	HK$187,538
112	HK$207,892	HK$188,454
113	HK$208,903	HK$189,375
114	HK$209,920	HK$190,301
115	HK$210,941	HK$191,230
116	HK$211,967	HK$192,165
117	HK$212,998	HK$193,104
118	HK$214,034	HK$194,047
119	HK$215,075	HK$194,996
120	HK$216,121	HK$195,948

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 PDF Premium 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)

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Ward with SMM (USD)

View details →

Semi-private Room with SMM (USD)

View details →

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

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

01 · Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款