Prudential VHIS Series

Medical cover for Hong Kong residents aged from 15 days – 80 years old, without a lifetime benefit limit.

What is VHIS?

The Food and Health Bureau has designed the Voluntary Health Insurance Scheme (“VHIS”) to give Hong Kong residents the choice of using private healthcare services through simple, easily accessible hospital cover.

We have launched 2 VHIS certified plans – PRUHealth CoreChoice Medical Plan (Standard Plan) and PRUHealth FlexiChoice Medical Plan (Flexi Plan), giving you a choice by covering the eligible expenses of medical treatment.

Series Highlights

Immediate coverage with no waiting period
Immediate coverage with no waiting period - Your cover starts as soon as your plan takes effect (except any cover for unknown pre-existing conditions)
Extra protection against cancer
Extra protection against cancer (Include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy)
Cover for unknown pre-existing and congenital conditions
Cover for unknown pre-existing and congenital conditions
Guaranteed renewal at least up to age 100
Guaranteed renewal up to age 100
No lifetime benefit limit
No lifetime benefit limit
Tax relief on your premiums
Tax relief on your premiums
Free Extra COVID-19 Protection

Free Extra COVID-19 Protection

 
From 1 July to 30 July 2020, if you live in Hong Kong and has successfully taken up any of the 2 certified plans under the Voluntary Health Insurance Scheme (“VHIS”), you and your family living at the same Hong Kong address can enjoy below extra benefits on or before 30 September 2020:
  • Diagnosis Benefit︰
    HKD15,000/person in a lump sum if unfortunately being diagnosed with COVID-19 (for up to two Covered Persons)
  • Death Benefit︰
    HKD200,000/person in a lump sum if unfortunately passed away due to COVID-19 (for up to two Covered Persons)

Product Comparison


 PRUHealth CoreChoice Medical PlanPRUHealth 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.)
Worldwide
(Psychiatric Treatments are applicable in Hong Kong only.)
Hospitalisation and Surgical Benefits 
 
 
Hospitalisation Benefits include:
  • Room and Board
  • Miscellaneous Charges
  • Attending Doctor’s Visit Fee
  • Specialist’s Fee
  • Intensive Care
Surgical Benefits include:
  • Surgeon’s Fee
  • Anaesthetist’s Fee
  • Operating Theatre Charges
   
Prescribed DiagnosticImaging Tests    
Prescribed Non-surgical Cancer Treatments    
Dialysis  
 
 
Dialysis during confinement (i.e. hospitalisation) is covered under miscellaneous charges subject to its benefit limit
-  
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 -  
  Detailed Comparison

FAQ

No, the VHIS plans are underwritten by insurance companies. We (Prudential) offer PRUHealth CoreChoice Medical Plan as a Standard Plan and PRUHealth FlexiChoice Medical Plan as a Flexi Plan and these two plans are underwritten by Prudential Hong Kong Limited (“Prudential”).
There is no subsidy from the Hong Kong government to insurance companies for VHIS. However, tax deduction will be offered to encourage more Hong Kong residents to make use of private healthcare services and recalibrate the public-private healthcare balance.

No. We underwrite new applications based on the life assured’s health and other related risk factors. We will decide whether to accept your application on standard terms, accept it with increased premium and/or exclusions, or reject the application.

The high-risk pool proposed in the health reform public consultation in 2014 is not yet established due to diverse views on the public funding. As a result, guaranteed acceptance is not featured in the current VHIS scheme1.

1 For details, please refer to the press release dated 9 January 2017: https://www.fhb.gov.hk/en/press_and_publications/press/2017/press170109.htm .

The Food and Health Bureau will assign a unique certification number to the certified plans. You may see the certified plans offered by us and the corresponding certification number by clicking here. You can also obtain the information on the official VHIS website https://www.vhis.gov.hk/en/.

A pre-existing condition is any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the effective date of a medical insurance and is commonly excluded from medical insurance. Under the minimum requirement of VHIS plans, partial coverage is provided for unknown pre-existing conditions in the 2nd and 3rd policy year, and full coverage from the 4th year onwards. For some Flexi Plans, the waiting period for unknown pre-existing conditions could be shorter than the minimum requirement.

For details, you may refer to the product provisions:

Yes, VHIS plans have exclusions. There are two types:

  1. General exclusions – These are listed in the VHIS Certified Plan Policy Template and these exclusions are applicable to all policies of VHIS plans.
  2. Case-based exclusion – During the underwriting, insurance companies are allowed to assess the proposed life assured’s health condition and other related risk factors. Insurance companies may impose an exclusion of a particular sickness or disease from the coverage of VHIS plans based on a pre-existing condition or risk factors affecting the insurability of the proposed life assured.
Prudential's VHIS plans are specially designed for Hong Kong residents who can enjoy the tax deduction offered by the Hong Kong Government. For residents of other places, we have a wide range of medical insurance products that may suit their needs. Please contact your consultant or call our Customer Service Hotline at 2281 1333 for more details.
We will determine the premium rates based on several factors, such as our claims and persistency experience, medical price inflation and projected future medical costs and any applicable changes in benefit. The premium rates are not guaranteed and are yearly adjustable.
When we receive your application, we will assess the risk based on the information you give us. This includes (but is not limited to) the proposed life assured’s occupation, their hobbies, where they live, as well as their traveling pattern and health condition. We use this to decide whether to accept your application on standard terms, accept it with increased premiums and/or exclusions or reject it. When we look at the life assured’s occupation, our underwriting decision depends on factors such as what their job involves, where they work and the nature of the business. When we look at where they live, the decision depends on factors such as the location of their home and how long they have lived there.
There are a number of questions in the application form to guide you to provide medical information for the proposed life assured. In order to have a precise decision, an additional questionnaire and/or a medical examination may be required for some cases.
You can add a VHIS certified plan to your existing life insurance policy anytime so that you can enjoy the tax deduction as soon as possible. We will pro-rata your premium for the first policy year but you will enjoy your plan’s coverage in full.

Yes, like other life insurance plans, you will have a 21-day cooling-off period. You may cancel your VHIS plan within 21 days with full premium refund (including levy).

Once your VHIS plan becomes effective, no additional premium loading and / or case-based exclusion will be imposed even if you have claimed under the plan. This practice is also applicable to other Prudential’s non-VHIS plans.

We have the right to review and adjust the plan’s premium rates for particular risk classes on each policy anniversary, but not for any individual customer. We may adjust premium rates because of several factors, such as our claims and persistency experience, medical price inflation, projected future medical costs and any applicable changes in benefit.

If you have any enquiry, suggestion or complaint, please let us know the details by sending us an email, fax or post.

Customer Service Department
Mail: P.O. Box No. 28058, Gloucester Road Post Office, Hong Kong
Fax: +852 2977 1233
Email: service@prudential.com.hk

You may also file your complaint about the issues specific to VHIS including product availability, features of the certified plans and compliance with the relevant code of practice to VHIS Office of Food and Health Bureau; or issues about our general conduct or that of our intermediaries to the Insurance Authority; or any issues concerning claims for tax deduction to Inland Revenue Department.

Voluntary Health Insurance Scheme Office
Mail: Units 2902, Millennium City 6, 392 Kwun Tong Road, Kowloon, Hong Kong
Hotline: +852 2529 8900
Fax: +852 2529 8982
Email: vhis_enquiry@fhb.gov.hk

Insurance Authority
Mail: 19th Floor, 41 Heung Yip Road, Wong Chuk Hang, Hong Kong
Hotline: +852 3899 9983
Fax: +852 3753 3812
Email: complaints@ia.org.hk

Inland Revenue Department
Mail: Revenue Tower, 5 Gloucester Road, Wan Chai, Hong Kong
Hotline: +852 187 8088
Fax: +852 2519 9316
Email: taxinfo@ird.gov.hk
Yes. Your hospitalisation in public hospital is covered under the VHIS plans, we will pay according to the provisions and benefit schedule of the plan.
No. Your claim would not be affected. Claimable amount estimate is a value-added service to give you peace of mind before receiving medical treatment.
VHIS policyowners will receive a proof of premium payment in April of every year or on other occasions, e.g. change of policyowner. The proof of premium payment contains the transactions of the qualifying VHIS premiums paid for your VHIS plan that you may need for your tax deduction arrangement.
The issuance of this plan does not necessarily mean you are eligible for any tax deduction for the qualifying VHIS 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.
Yes. If you are the policyowner of the VHIS plan of a relative specified in Inland Revenue Ordinance, Cap.112 of the Laws of Hong Kong, you are eligible to claim the tax deduction. Specified relatives include your spouse, children, and your/your spouse’s parents, grandparents and siblings. Please refer to the Inland Revenue Ordinance for the detailed conditions of specified relatives.

‘Existing customers’ of our designated medical plans will be entitled to a one-off migration to transfer their existing medical plan to a VHIS plan within 1 Apr 2019 – 31 Mar 2021. Migrating your plan may require underwriting; it varies by plan. Please contact your consultant or call our Customer Service Hotline at 2281 1333 for more details.

‘Existing customers’ are customers who are HKID cardholders with their designated medical plan which takes effect on or before 1 Apr 2019 and in-force at the time of migration.

The following medical plans which take effect on or before 1 Apr 2019 are eligible for migration:

No. Migration is only available for customers who have a designated medical plan which takes effect on or before 1 Apr 2019 with us.
Yes. You can migrate to a VHIS plan anytime during the migration period (1 Apr 2019 – 31 Mar 2021) so that you can enjoy the tax deduction as soon as possible.

Apply tax deduction for the 2019/20 assessment year!
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