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.
Free Novel Coronavirus Benefit
- Diagnosis Benefit︰
HKD15,000/person in a lump sum if unfortunately being diagnosed with the Novel Coronavirus (for up to two Covered Persons)
- Death Benefit︰
HKD200,000/person in a lump sum if unfortunately passed away due to the Novel Coronavirus (for up to two Covered Persons)
- Hospital Cash Benefit︰
HKD600/day for up to 45 days (applicable to life assured/insured person(s) of the Designated Plan(s) who is diagnosed with the Novel Coronavirus on or before 30 April 2020)
|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|
(Psychiatric Treatments are applicable in Hong Kong only.)
(Psychiatric Treatments are applicable in Hong Kong only.)
|Hospitalisation and Surgical Benefits
Hospitalisation Benefits include:
|Prescribed DiagnosticImaging Tests|
|Prescribed Non-surgical Cancer Treatments|
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||-|
|Compassionate Death Benefit|
|Accidental Death Benefit||-|
|Medical Accident and Incident Extensive Benefit||-|
|No Claim Discount||-|
|Download Brochure||Download Brochure|
About the VHIS
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 .
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:
- General exclusions – These are listed in the VHIS Certified Plan Policy Template and these exclusions are applicable to all policies of VHIS plans.
- 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.
After your VHIS plan becomes effective
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.
Customer Service Department
Mail: P.O. Box No. 28058, Gloucester Road Post Office, Hong Kong
Fax: +852 2977 1233
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
Mail: 19th Floor, 41 Heung Yip Road, Wong Chuk Hang, Hong Kong
Hotline: +852 3899 9983
Fax: +852 3753 3812
Inland Revenue Department
Mail: Revenue Tower, 5 Gloucester Road, Wan Chai, Hong Kong
Hotline: +852 187 8088
Fax: +852 2519 9316
About tax deduction
‘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: