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Medical | Health Insurance

Prudential VHIS Series

Choose one of our VHIS Standard or Flexi Plan to fit your medical needs.

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VHIS plans 50% premium refund and complimentary access to the new Doctor Hotline service
Terms and conditions apply
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Plan Comparison

Features
 

PRUHealth VHIS VIP Plan

PRUHealth FlexiChoice Medical Plan

PRUHealth CoreChoice Medical Plan

VHIS Plan Type VHIS Flexi Plan VHIS Flexi Plan VHIS Standard Plan
Plan Currency HKD / USD HKD / USD HKD
Guaranteed Renewal For life For life Up to age 100
Covered Room Level Semi-private room Ward /
Semi-private / Private room
N/A
Coverage Areas Asia including
Australia and New Zealand1
Worldwide2 Worldwide2
Annual Benefit Limit HK$8,000,000 N/A HK$420,000
Lifetime Benefit Limit HK$32,000,000 N/A N/A
Deductible HK$0, HK$20,000, HK$50,000 Per Policy Year N/A N/A
Premium Table Download Download Download

  

Notes:

    1. Psychiatric Treatments and Daily Hospital Cash for staying below the semi-private room in Hong Kong are applicable in Hong Kong only.
    2. Psychiatric Treatments are applicable in Hong Kong only.

 

Benefits
 

PRUHealth VHIS VIP Plan

PRUHealth FlexiChoice Medical Plan

PRUHealth CoreChoice Medical Plan

Hospitalisation and Surgical Benefits#
Psychiatric Treatments
Prescribed Diagnostic Imaging Tests
Prescribed Non-surgical Cancer Treatments
Dialysis
Medical Devices
Private Nursing
Hospital Companion Bed
Post-surgery Home Nursing
Pre-and Post-Confinement / Day Case Procedure Outpatient Care
Ancillary Services
Traditional Chinese Medicine
Reconstructive Surgery for Specified Cancer
Rehabilitation
Hospice Care
Pregnancy Complications
Accidental Outpatient Treatment
Accidental Dental Treatment
Daily Hospital Cash for staying below the Semi-private Room in Hong Kong
PRUHealth Major Optional
Compassionate Death Benefit
Accidental Death Benefit
Medical Accident and Incident Extensive Benefit

  

Notes:

# 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.

* “full cover” means no itemised benefit sub-limit, and the benefit payable is subject to the Annual Limit and Lifetime Limit.
“with limit” means itemised benefit sub-limit, including amount limit, day limit and/or no. of visit limit.

 

Others
Value-added Services
 

PRUHealth VHIS VIP Plan

PRUHealth FlexiChoice Medical Plan

PRUHealth CoreChoice Medical Plan

24-hour worldwide emergency assistance service      
Treatment Sure      


  
Value-added services do not form part of the plan.

 

No Claim Discount

Applicable to PRUHealth FlexiChoice Medical Plan

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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.

Product brochure and policy document of PRUHealth VHIS VIP Plan. For information on premiums, please refer to the premium tables.

Notes

PRUHealth VHIS VIP Plan, PRUHealth FlexiChoice Medical Plan and PRUHealth CoreChoice 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 these plans, 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.