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PRUHealth VHIS VIP Plan
VHIS | Health Insurance

PRUHealth VHIS VIP Plan

Provide no itemised benefit limit for key medical expenses up to HK$56,000,000 per life, tax deductible premiums and guaranteed renewal for life
"1+1=$0" free 1-year premium
Terms and conditions apply
Learn more

Extra features

 

  • 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 relief on your 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 relief 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 relief.

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

Note: Treatment Sure does not form part of the PRUHealth VHIS VIP Plan.

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

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Certification number of PRUHealth VHIS VIP Plan

For new application or renewal from 1 Jun 2021

 

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.