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 No ward-class restriction (item limits apply), Worldwide (including United States) coverage and HK$420,000 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$2,647 /yr

age

Ward class

No ward-class restriction (item limits apply)

Coverage region

Worldwide (including United States)

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$4,088	HK$3,832
1	HK$4,007	HK$3,717
2	HK$3,807	HK$3,495
3	HK$3,579	HK$3,250
4	HK$3,272	HK$2,937
5	HK$2,913	HK$2,615
6	HK$2,622	HK$2,354
7	HK$2,387	HK$2,143
8	HK$2,197	HK$1,972
9	HK$2,098	HK$1,865
10	HK$2,066	HK$1,852
11	HK$2,045	HK$1,848
12	HK$2,024	HK$1,844
13	HK$2,004	HK$1,840
14	HK$1,983	HK$1,836
15	HK$2,018	HK$1,910
16	HK$2,053	HK$1,986
17	HK$2,089	HK$2,065
18	HK$2,125	HK$2,148
19	HK$2,162	HK$2,233
20	HK$2,200	HK$2,329
21	HK$2,238	HK$2,429
22	HK$2,277	HK$2,533
23	HK$2,317	HK$2,642
24	HK$2,358	HK$2,756
25	HK$2,400	HK$2,874
26	HK$2,442	HK$2,998
27	HK$2,485	HK$3,126
28	HK$2,528	HK$3,261
29	HK$2,573	HK$3,401
30	HK$2,647	HK$3,507
31	HK$2,735	HK$3,633
32	HK$2,827	HK$3,764
33	HK$2,922	HK$3,899
34	HK$3,020	HK$4,039
35	HK$3,122	HK$4,185
36	HK$3,227	HK$4,335
37	HK$3,335	HK$4,491
38	HK$3,447	HK$4,653
39	HK$3,563	HK$4,821
40	HK$3,700	HK$4,975
41	HK$3,861	HK$5,159
42	HK$4,029	HK$5,350
43	HK$4,205	HK$5,547
44	HK$4,388	HK$5,752
45	HK$4,579	HK$5,965
46	HK$4,779	HK$6,186
47	HK$4,987	HK$6,414
48	HK$5,204	HK$6,651
49	HK$5,431	HK$6,897
50	HK$5,705	HK$7,091
51	HK$5,993	HK$7,289
52	HK$6,296	HK$7,494
53	HK$6,614	HK$7,704
54	HK$6,948	HK$7,920
55	HK$7,298	HK$8,142
56	HK$7,667	HK$8,370
57	HK$8,054	HK$8,604
58	HK$8,461	HK$8,846
59	HK$8,888	HK$9,094
60	HK$9,630	HK$9,687
61	HK$10,433	HK$10,319
62	HK$11,303	HK$10,993
63	HK$12,246	HK$11,710
64	HK$13,268	HK$12,475
65	HK$13,903	HK$13,056
66	HK$14,569	HK$13,664
67	HK$15,266	HK$14,300
68	HK$15,997	HK$14,966
69	HK$16,762	HK$15,663
70	HK$17,468	HK$16,324
71	HK$18,204	HK$17,013
72	HK$18,971	HK$17,731
73	HK$19,770	HK$18,479
74	HK$20,602	HK$19,259
75	HK$21,356	HK$19,929
76	HK$22,137	HK$20,622
77	HK$22,947	HK$21,340
78	HK$23,787	HK$22,082
79	HK$24,657	HK$22,850
80	HK$25,200	HK$23,351
81	HK$25,740	HK$23,854
82	HK$26,284	HK$24,355
83	HK$26,825	HK$24,857
84	HK$27,365	HK$25,359
85	HK$27,909	HK$25,860
86	HK$28,449	HK$26,300
87	HK$28,904	HK$26,747
88	HK$29,366	HK$27,094
89	HK$29,718	HK$27,447
90	HK$30,075	HK$27,721
91	HK$30,345	HK$27,998
92	HK$30,507	HK$28,222
93	HK$30,657	HK$28,419
94	HK$30,806	HK$28,557
95	HK$30,957	HK$28,696
96	HK$31,104	HK$28,838
97	HK$31,254	HK$28,978
98	HK$31,405	HK$29,119
99	HK$31,557	HK$29,261

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.

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: 2026-04-17

PRUHealth CoreChoice Medical Plan

01 · Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

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