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Medical | Health Insurance

Prudential VHIS Series

Our two VHIS certified plans give you a choice by covering eligible expenses of medical treatment.
Enjoy 3 months’ premium discount
Terms and conditions apply
Learn more

Other Benefits

Enjoy the following benefits if you take out PRUHealth FlexiChoice Medical Plan:

  • 15% no claim discount to reward good health

  • Tailor extra coverage with PRUHealth Major option, which covers up to 80% of the excess, subject to itemised and annual limits by paying extra premiums

How to get tax deductions for your premiums

Subject to the Inland Revenue Ordinance, Cap.112 of the Laws of Hong Kong, a policyowner of a VHIS plan can claim a tax deduction for your paid qualifying VHIS premiums up to HKD8,000 per life assured per year of tax assessment.

Example


If you are the policyowner of 4 VHIS plans covering 4 life assureds, you can apply for a tax deduction for your paid qualifying VHIS premiums up to HKD8,000 per life assured per year of tax assessment, a total of HKD32,000 (HKD8,000 x 4) per year.

If there is more than 1 policyowner for a VHIS plan, the qualifying VHIS premiums you all pay during a year of assessment for each life assured under the policy are taken as paid by all the policyowners equally.

We will provide a proof of premium payment to facilitate your claim of tax deduction on your paid qualifying VHIS premiums.

If we refund any of your premiums, we will give you a proof of premium refund. If you have claimed a tax deduction for the refunded premiums, you need to let the Commissioner of Inland Revenue know such refund within 3 months from the premium refund date.

The issuance of this plan does not necessarily mean you are eligible for any tax deduction for the premiums you have paid for this plan. For further information on tax deduction under the VHIS, please contact the Inland Revenue Department. We cannot provide you with any tax advice. If you have doubts, you should seek professional advice.

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Comparison between our Standard Plan and Flexi Plan
 
PRUHealth CoreChoice Medical Plan
PRUHealth FlexiChoice Medical Plan

Plan Type

Basic plan / Supplementary benefit

Basic plan / Supplementary benefit

Plan Currency

HKD

HKD / USD

Guaranteed Renewal

Up to age 100

For life

Annual Benefit Limit

HK$420,000

Nil

Covered Room

No specified room level

Ward / Semi-private room / Private room

Coverage Area

Worldwide (Psychiatric Treatments are applicable in Hong Kong only.)

Hospitalisation and Surgical Benefits*

 

 

Prescribed Diagnostic Imaging Tests

 

 

Prescribed Non-surgical Cancer Treatments

 

 

Dialysis

 
(Note 1)

 

Post-surgery Home Nursing

 

 

Accidental Outpatient Treatment

 

 

Traditional Chinese Medicine for Specified Cancer

 

 

Pregnancy Complications

 

 

PRUHealth Major

 

Optional

Compassionate Death Benefit

 

 

Accidental Death Benefit

 

 

Medical Accident and Incident Extensive Benefit

 

 

No Claim Discount

 

 

 

* Hospitalisation Benefits include: (1) Room and Board, (2) Miscellaneous Charges, (3) Attending Doctor’s Visit Fee, (4) Specialist’s Fee, and (5) Intensive Care.  Surgical Benefits include: (1) Surgeon’s Fee, (2) Anaesthetist’s Fee, and (3) Operating Theatre Charges.

1. Dialysis during confinement (i.e. hospitalisation) is covered under Miscellaneous Charges subject to its benefit limit.

Certification number of VHIS plan

PRUHealth CoreChoice Medical Plan

S00026-01-000-01

 

PRUHealth FlexiChoice Medical Plan - Applicable to new application (HKD)

Covered Room

Ward

Semi-private room

Private Room

Without PRUHealth Major

F00013-01-000-02

F00013-02-000-02

F00013-03-000-02

With PRUHealth Major

Option 1: F00013-01-001-02

Option 2: F00013-01-002-02

Option 1: F00013-02-001-02

Option 2: F00013-02-002-02

F00013-03-001-02

 

PRUHealth FlexiChoice Medical Plan - Applicable to new application (USD)

Covered Room

Ward

Semi-private room

Private Room

Without PRUHealth Major

F00013-04-000-02

F00013-05-000-02

F00013-06-000-02

With PRUHealth Major

Option 1: F00013-04-001-02

Option 2: F00013-04-002-02

Option 1: F00013-05-001-02

Option 2: F00013-05-002-02

F00013-06-001-02

 

PRUHealth FlexiChoice Medical Plan - Not applicable to new application (HKD)

Covered Room

Ward

Semi-private room

Private Room

Without PRUHealth Major

F00013-01-000-01

F00013-02-000-01

F00013-03-000-01

With PRUHealth Major

Option 1: F00013-01-001-01

Option 2: F00013-01-002-01

Option 1: F00013-02-001-01

Option 2: F00013-02-002-01

F00013-03-001-01

 

PRUHealth FlexiChoice Medical Plan - Not applicable to new application (USD)

Covered Room

Ward

Semi-private room

Private Room

Without PRUHealth Major

F00013-04-000-01

F00013-05-000-01

F00013-06-000-01

With PRUHealth Major

Option 1: F00013-04-001-01

Option 2: F00013-04-002-01

Option 1: F00013-05-001-01

Option 2: F00013-05-002-01

F00013-06-001-01

 

Important information

Any general tax information provided above is for reference only. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We do not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to VHIS may be found at https://www.vhis.gov.hk/en/

During the sales process, this document should be read in conjunction with the relevant product brochure. For full terms and conditions, and risk disclosures of the relevant insurance plan, please refer to relevant:

Product brochure and policy document of PRUHealth CoreChoice Medical Plan. For information on premiums, please refer to the premium tables or premium calculator.

Product brochure and policy document of PRUHealth FlexiChoice Medical Plan. For information on premiums, please refer to the premium tables or premium calculator.

Notes

PRUHealth CoreChoice Medical Plan and PRUHealth FlexiChoice Medical Plan are underwritten by Prudential Hong Kong Limited (“Prudential”). This document is for reference only. It does not represent a contract between Prudential and anyone else. You should read carefully the risk disclosures and key exclusions (if any) contained in the product brochure. For further details and the terms and conditions of this plan, please ask Prudential for a sample of the policy document.

Prudential has the right to accept or decline any application based on the information provided by the policyholder and/or life assured in the application.

Please cross your cheque and make it payable to “Prudential Hong Kong Limited”.

This document is for distribution in Hong Kong only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.