Prudential VHIS Series

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.

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

No Claim Discount

Applicable to PRUHealth FlexiChoice Medical Plan

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 (Standard Plan). For information on premiums, please refer to the premium tables.

Product brochure and policy document of PRUHealth FlexiChoice Medical Plan (Flexi Plan). For information on premiums, please refer to the premium tables.

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

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

PRUHealth VHIS VIP Plan, PRUHealth VHIS EasyChoice Plan, PRUHealth FlexiChoice Medical Plan and PRUHealth CoreChoice Medical Plan are 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 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.

• How to apply
• About Claimable Amount Estimate
• Policy Documents
• FAQs

The Voluntary Health Insurance Scheme (VHIS) is a medical insurance scheme launched by the Food and Health Bureau. It aims to enhance the protection level and transparency of medical insurance products. All VHIS Certified Plans must meet the following minimum requirements:

Policy Terms and Coverage

1. Standardized Policy Terms: Adopts standard policy terms and conditions approved by the Health Bureau. Provides a minimum scope and amount of coverage.
2. Guaranteed Renewal: Guaranteed renewal regardless of changes in health conditions.
3. No Lifetime Benefit Limit: Insured persons can continue to receive coverage up to the age of 100.
4. Cooling-off Period: A 21-day cooling-off period is provided, during which the policy can be canceled with a full refund of paid premiums.
5. Premium Transparency: Premium schedules are accessible through insurance companies and the VHIS website.

Scope of Coverage

1. Coverage of Pre-existing Conditions Unknown at the Time of Application: Partial coverage is provided from the second year after the policy takes effect, and full coverage is provided from the fourth year.
2. Coverage of Treatment for Congenital Conditions: Coverage for diagnostic tests and treatment of congenital conditions diagnosed at or after the age of 8.
3. Coverage of Day Case Procedures: Includes surgical procedures performed in day care centers.
4. Coverage of Prescribed Diagnostic Imaging Tests: Such as Computed Tomography (CT) scans, Magnetic Resonance Imaging (MRI) scans, and Positron Emission Tomography (PET) scans, subject to 30% coinsurance (the policyholder has to pay 30% of the cost).
5. Coverage of Prescribed Non-surgical Cancer Treatments: Such as radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
6. Coverage of Local Psychiatric Treatments: Coverage for psychiatric treatments received in hospitals in Hong Kong.

Source: VHIS Official Website FAQ Q8

The information on this page is quoted from a third-party webpage as of 2 January, 2025. As we may not be able to update the content on this page in a timely manner, please refer to the third-party’s webpage for any latest update of the relevant information.

The Standard Plan provides the minimum compliant protection under the VHIS. Its terms and coverage are standardized, and the Standard Plans offered by different insurance companies are virtually the same, with only very limited minor variations permitted.

The Flexi Plan, on the other hand, offers more flexible supplementary protection on top of the basic coverage of the Standard Plan, such as higher benefit limits and a wider scope of coverage. The specific details of these supplementary protections will vary depending on the insurance company and its products. Policyholders can choose the plan that best suits their needs.

For example, all of Prudential's VHIS Flexi Plans provide 100% coverage for eligible claims arising from unknown pre-existing conditions from the 31st day of the first policy year. VHIS Standard Plans, on the other hand, only provide partial coverage from the second policy year.

The above products are subject to terms and conditions. Please refer to the relevant product brochure or policy documents for details.

Source: VHIS Official Website FAQ Q21

The information on this page is quoted from a third-party webpage as of 2 January, 2025. As we may not be able to update the content on this page in a timely manner, please refer to the third-party’s webpage for any latest update of the relevant information.

Certified products under the VHIS do not cover routine outpatient expenses, such as consultations for common colds and flu.

Some outpatient expenses are covered by the VHIS Standard Plan, including:

1. Outpatient care expenses before admission or after discharge/day surgery.
2. Specialist outpatient charges for treatment planning, monitoring of prognosis, and disease progression during the period of confinement, or in a facility providing medical services to day patients, for prescribed non-surgical cancer treatments¹.

¹Refers to radiotherapy, chemotherapy, targeted therapy, immunotherapy, and hormonal therapy for cancer treatment.

Source: VHIS Certified Plan Policy Template

The information on this page is quoted from a third-party webpage as of 2 January, 2025. As we may not be able to update the content on this page in a timely manner, please refer to the third-party’s webpage for any latest update of the relevant information.

As your parents age, their medical needs may increase. The benefits of buying a VHIS plan for them include:

1. Guaranteed Renewal: Guaranteed renewal up to age 100 or for life, providing peace of mind even if their health condition changes.
2. Coverage for Unknown Pre-existing Conditions: Prudential’s VHIS Flexi Plans provide full coverage from the 31st day of the 1st policy year. Standard Plans provide partial coverage in the 2nd and 3rd policy years, and full coverage from the 4th policy year onwards.
3. Tax Deduction: Policyholders can apply for a tax deduction on eligible premiums up to HKD 8,000 per insured person per tax assessment year, thereby reducing overall expenses.
4. Access to Private Healthcare Services: Covers private healthcare services, offering flexibility and potentially shorter waiting times for treatment.

The above product is subject to terms and conditions. For details, please refer to the relevant product brochure or policy documents.

Yes, the maximum tax-deductible premium for each assessment year is $8,000 per insured person.

In the following examples, two Hong Kong taxpayers (Taxpayer A and Taxpayer B) each purchased a qualifying VHIS policy for themselves:

Source: VHIS Official Website FAQ Q42

The information on this page is quoted from a third-party webpage as of 2 January, 2025. As we may not be able to update the content on this page in a timely manner, please refer to the third-party’s webpage for any latest update of the relevant information.

A deductible refers to the amount you are responsible for paying when you make a claim with the insurance company. The insurance company will first deduct the deductible from the eligible medical expenses and then compensate you for the remaining medical expenses based on the details of your policy, including the scope of coverage, claim limits, and related terms.

The PRUHealth VHIS VIP Plan (Flexi Plan) offers four deductible options: HKD 0, HKD 20,000, HKD 50,000, and HKD 96,000. You can choose the option that best suits your budget and needs.

The deductible is calculated per policy year and applies to all benefit items (except for accidental death benefit, compassionate death benefit, and wellness benefit).

The plan also allows you a one-time lifetime right to reduce the annual deductible at the policy renewal date when you reach the age of 50, 55, 60, 65, 70, 75, 80, or 85, without the need for a medical examination.

The PRUHealth CoreChoice Medical Plan (Standard Plan), PRUHealth VHIS Easy Choice Plan (Flexi Plan), and PRUHealth FlexiChoice Medical Plan (Flexi Plan) do not have deductible options.

The above products are subject to terms and conditions. Please refer to the relevant product brochure or policy documents for details.

Prudential's VHIS products all address pre-existing conditions (including unknown congenital conditions) that were unknown before taking out the policy.

PRUHealth FlexiChoice Medical Plan (Flexi Plan), PRUHealth VHIS Easy Choice Plan (Flexi Plan), PRUHealth VHIS VIP Plan (Flexi Plan): From the 31st day of the 1st policy year, unknown pre-existing conditions are fully covered.

PRUHealth CoreChoice Medical Plan (Standard Plan): In the 2nd policy year, unknown pre-existing conditions are covered at 25%; in the 3rd policy year, they are covered at 50%; from the 4th policy year onwards, they are fully covered.

The above products are subject to terms and conditions. Please refer to the relevant product brochure or policy documents for details.

Prudential's VHIS plans' cancer coverage mainly covers the costs of a series of "prescribed non-surgical cancer treatments," including radiotherapy, chemotherapy, targeted therapy, immunotherapy, and hormonal therapy.

The coverage will reimburse the eligible expenses incurred by the insured person for receiving prescribed non-surgical cancer treatments during hospitalization or in a facility providing medical services for day-case patients. This includes outpatient specialist consultation fees for treatment planning, monitoring prognosis, and disease progression during the treatment period.

The coverage limits vary depending on the plan:

PRUHealth VHIS VIP Plan (Flexi Plan): Provides full reimbursement¹.

PRUHealth FlexiChoice Medical Plan (Flexi Plan): The maximum annual reimbursement limits are HKD 10,000 (ward), HKD 150,000 (semi-private room), and HKD 225,000 (private room), respectively.

PRUHealth VHIS Easy Choice Plan (Flexi Plan): The maximum annual reimbursement limits are HKD 80,000 (ward), HKD 120,000 (semi-private room), and HKD 160,000 (private room), respectively.

PRUHealth CoreChoice Medical Plan (Standard Plan): The maximum annual reimbursement limit is HKD 80,000.

¹Subject to the plan's annual and lifetime benefit limits.

The above products are subject to terms and conditions. Please refer to the relevant product brochure or policy documents for details.

The “Wellness Benefit” of the PRUHealth VHIS VIP Plan will provide eligible expenses for one health check-up or vaccination within one year after every three policy renewals (i.e., in your 4th, 7th, 10th, etc. policy years).

The health check-up items are as follows:

¹Excluding eye examinations/tests for visual acuity and/or refraction.

The above product is subject to terms and conditions. For details, please refer to the relevant product brochure or policy documents.

Prudential's VHIS plans all offer overseas coverage, but the scope of this coverage varies depending on the specific plan.

The PRUHealth CoreChoice Medical Plan (Standard Plan), PRUHealth VHIS Easy Choice Plan (Flexi Plan), and PRUHealth FlexiChoice Medical Plan (Flexi Plan) all provide worldwide coverage for treatment expenses due to bodily injury and illness, except for psychiatric treatment, which is only covered in Hong Kong.

The PRUHealth VHIS VIP Plan (Flexi Plan) offers coverage in Asia (including Australia and New Zealand) or worldwide (excluding the United States), except for psychiatric treatment, which is only covered in Hong Kong. The coverage limits of this plan include the cost of staying in a semi-private room in Mainland China, Hong Kong, or Macau, or a private room in any other place within the covered region. If the insured person needs to receive treatment due to an accident that occurs outside the covered region, this plan will also provide coverage for private room hospitalization.

In addition, we also offer the PremierFlex Flex Medical Plan with optional outpatient benefits, covering hospitals in Mainland China, Hong Kong, Macau, or worldwide, and providing comprehensive support from prevention, diagnosis, treatment to rehabilitation.

The above products are subject to terms and conditions. Please refer to the relevant product brochure or policy documents for details.