PRUHealth VHIS VIP Plan

Get high quality hospital care with premium flexible medical cover; choose cover for Asia or worldwide except USA; no itemised benefit limit to key medical expenses and renewable for life, guaranteed

Product Brochure

Limited offer

Enrol to enjoy 30% premium refund

Terms and conditions apply

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Lifetime cover of HK$56,000,000

Full cover for key medical expenses with no itemised benefit limit up to an annual benefit limit of HKD 12,000,000 each policy year and a lifetime benefit limit of HKD 56,000,000

Guaranteed lifetime medical protection

Cover eligible treatment costs of semi-private room hospitalisation in Mainland China, Hong Kong and Macau, or private room hospitalisation anywhere else within the territorial scope of cover

Wellness benefit to help monitor your health

Cover eligible health screening tests or vaccination costs once within the designated policy year

Extra Rehabilitation benefits

Extra help for covered cancer, heart attack and stroke, including home facility enhancement and rehabilitation treatments

Extra features

Protection against cancer, kidney failure and accidents
Tailor your plan with or without deductibles to suit your need
Flexible to reduce the existing deductible without medical underwriting once per lifetime at the policy renewal date when the life assured reaches age 50, 55, 60, 65, 70, 75, 80 or 85
Know in advance how much you can claim towards your treatment

Tax relief on your premiums

Tax deductions on your qualifying premiums

If you are a Hong Kong taxpayer, you can claim a concessionary deduction under salaries tax or personal assessment for the qualifying premiums you pay for yourself or your loved ones under the VHIS in Hong Kong. You can apply for tax deductions on your qualifying premiums of up to HKD 8,000 per life assured per year, and there is no limit on the number of specified family members you can claim for tax deductions.

For more information on concessionary tax deductions, please refer to an illustration or the Inland Revenue Department.

Treatment Sure

Value-added service

Treatment Sure is a professional, independent and personalised medical advisory service.

This service, provided by our designated service provider, offers you:

Global expert’s second medical opinion
Medical concierge service for overseas treatment
Dedicated physician case managers who speak your language and guide you through your entire medical journey to recovery

Find out more about Treatment Sure service

Note: Treatment Sure service does not form part of the plan.

Treatment Sure service is provided by our designated third party service provider. We maintain sole discretion to change the scope of the service and the service provider from time to time without advance notice. We may also cease and/or suspend the service at our sole discretion.

Product Information

VHIS plan comparison

Premium Table

Useful Tools

Tax calculator

Existing medical plan migration

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Certification number of PRUHealth VHIS VIP Plan

For new application effective or renewed policy from 1 Apr 2023

	Deductible	Certification Number
Asia - HKD Plan	HKD0	F00050-01-000-04
	HKD20,000	F00050-02-000-04
	HKD50,000	F00050-03-000-04
	HKD96,000	F00050-07-000-01
Asia - USD Plan	USD0	F00050-04-000-04
	USD2,500	F00050-05-000-04
	USD6,250	F00050-06-000-04
	USD12,000	F00050-08-000-01
Worldwide except USA – HKD Plan	HKD0	F00050-09-000-01
	HKD20,000	F00050-10-000-01
	HKD50,000	F00050-11-000-01
	HKD96,000	F00050-12-000-01
Worldwide except USA – USD Plan	USD0	F00050-13-000-01
	USD2,500	F00050-14-000-01
	USD6,250	F00050-15-000-01
	USD12,000	F00050-16-000-01

For effective date or renewal from 1 Jun 2021 to 31 Mar 2023

	Deductible	Certification Number
HKD Plan	HKD0	F00050-01-000-03
	HKD20,000	F00050-02-000-03
	HKD50,000	F00050-03-000-03
USD Plan	USD0	F00050-04-000-03
	USD2,500	F00050-05-000-03
	USD6,250	F00050-06-000-03

For effective date or renewal from 5 Jan 2021 to 31 May 2021

	Deductible	Certification Number
HKD Plan	HKD0	F00050-01-000-02
	HKD20,000	F00050-02-000-02
	HKD50,000	F00050-03-000-02
USD Plan	USD0	F00050-04-000-02
	USD2,500	F00050-05-000-02
	USD6,250	F00050-06-000-02

For effective date before 5 Jan 2021

	Deductible	Certification Number
HKD Plan	HKD0	F00050-01-000-01
	HKD20,000	F00050-02-000-01
	HKD50,000	F00050-03-000-01
USD Plan	USD0	F00050-04-000-01
	USD2,500	F00050-05-000-01
	USD6,250	F00050-06-000-01

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. For information on premiums, please refer to the premium tables.

Notes

PRUHealth VHIS VIP Plan is underwritten by Prudential Hong Kong Limited (“Prudential”). You can always choose to take out this plan as a standalone plan without enrolling with other type(s) of insurance product at the same time, unless such plan is only available as a supplementary benefit which needs to be attached to a basic plan. This document does not contain the full terms and conditions of this plan and 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 this brochure. For further details and the full 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 brochure 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.