PRUHealth CoreChoice Medical Plan

保誠自主醫保計劃

PRUHealth CoreChoice Medical Plan is a VHIS Standard plan offered by Prudential Hong Kong Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Oct 1, 2025.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$2,517 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 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 25 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.
(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	$580, 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
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故保障	$8,000 per Policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 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 25 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.
(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
$580, 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
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故保障
$8,000 per Policy

Premium Schedule

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

Age	Male	Female
0	HK$3,889	HK$3,628
1	HK$3,812	HK$3,519
2	HK$3,621	HK$3,308
3	HK$3,404	HK$3,077
4	HK$3,112	HK$2,781
5	HK$2,771	HK$2,476
6	HK$2,494	HK$2,229
7	HK$2,271	HK$2,029
8	HK$2,090	HK$1,867
9	HK$1,995	HK$1,765
10	HK$1,975	HK$1,761
11	HK$1,955	HK$1,758
12	HK$1,935	HK$1,754
13	HK$1,915	HK$1,750
14	HK$1,896	HK$1,747
15	HK$1,928	HK$1,816
16	HK$1,962	HK$1,889
17	HK$1,996	HK$1,964
18	HK$2,031	HK$2,043
19	HK$2,066	HK$2,124
20	HK$2,102	HK$2,215
21	HK$2,139	HK$2,310
22	HK$2,177	HK$2,410
23	HK$2,215	HK$2,513
24	HK$2,254	HK$2,621
25	HK$2,293	HK$2,734
26	HK$2,334	HK$2,851
27	HK$2,375	HK$2,974
28	HK$2,416	HK$3,102
29	HK$2,459	HK$3,235
30	HK$2,517	HK$3,320
31	HK$2,602	HK$3,439
32	HK$2,689	HK$3,563
33	HK$2,780	HK$3,692
34	HK$2,873	HK$3,824
35	HK$2,969	HK$3,962
36	HK$3,069	HK$4,105
37	HK$3,172	HK$4,252
38	HK$3,279	HK$4,406
39	HK$3,389	HK$4,564
40	HK$3,537	HK$4,733
41	HK$3,691	HK$4,908
42	HK$3,851	HK$5,089
43	HK$4,019	HK$5,277
44	HK$4,194	HK$5,473
45	HK$4,377	HK$5,675
46	HK$4,568	HK$5,885
47	HK$4,767	HK$6,102
48	HK$4,974	HK$6,328
49	HK$5,191	HK$6,562
50	HK$5,453	HK$6,746
51	HK$5,729	HK$6,935
52	HK$6,018	HK$7,129
53	HK$6,322	HK$7,329
54	HK$6,641	HK$7,535
55	HK$6,977	HK$7,746
56	HK$7,329	HK$7,963
57	HK$7,699	HK$8,186
58	HK$8,088	HK$8,416
59	HK$8,497	HK$8,652
60	HK$9,205	HK$9,216
61	HK$9,973	HK$9,818
62	HK$10,806	HK$10,459
63	HK$11,707	HK$11,141
64	HK$12,684	HK$11,869
65	HK$13,291	HK$12,422
66	HK$13,927	HK$13,000
67	HK$14,594	HK$13,606
68	HK$15,292	HK$14,239
69	HK$16,025	HK$14,903
70	HK$16,699	HK$15,531
71	HK$17,403	HK$16,187
72	HK$18,136	HK$16,870
73	HK$18,899	HK$17,582
74	HK$19,695	HK$18,323
75	HK$20,416	HK$18,961
76	HK$21,163	HK$19,621
77	HK$21,937	HK$20,303
78	HK$22,740	HK$21,010
79	HK$23,572	HK$21,741
80	HK$24,091	HK$22,217
81	HK$24,608	HK$22,696
82	HK$25,127	HK$23,173
83	HK$25,645	HK$23,650
84	HK$26,161	HK$24,128
85	HK$26,681	HK$24,605
86	HK$27,197	HK$25,023
87	HK$27,632	HK$25,448
88	HK$28,074	HK$25,779
89	HK$28,411	HK$26,114
90	HK$28,752	HK$26,375
91	HK$29,010	HK$26,639
92	HK$29,164	HK$26,852
93	HK$29,308	HK$27,039
94	HK$29,450	HK$27,170
95	HK$29,595	HK$27,303
96	HK$29,735	HK$27,438
97	HK$29,879	HK$27,571
98	HK$30,023	HK$27,705
99	HK$30,168	HK$27,840

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, 2025
Last verified: 2026-04-17