PRUHealth FlexiChoice Medical Plan
Product Brochure
Take care of you from diagnosis to recovery
Protection against cancer, kidney failure and accidents
Cover unknown
pre-existing and congenital conditions
Guaranteed renewal for life – accompanying your health journey
Extra Benefits
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15% no claim discount to reward good health
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Top up with PRUHealth Major and if the eligible medical expenses exceed your plan’s itemised limit, we will cover 100% of it with PRUHealth network care benefit, and 80% with PRUHealth non-network care benefit
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Know in advance how much you can claim towards your treatment
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.
Value-added services
to enhance your protection
Medical Green Channel
Medical Green Channel is a one-stop booking service for medical appointments at Medical Green Channel’s selected hospitals in Mainland China. This service offers you:
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Priority booking for outpatient and/or hospitalisation appointment at Medical Green Channel’s selected hospitals in Mainland China
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Dedicated case manager to follow up on your entire service journey
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Escort staff to assist you on the registration process for outpatient and/or hospitalisation service on your treatment day
Find out more about Medical Green Channel
Note: Medical Green Channel does not form part of the plan.
Medical Green Channel is provided by our designated third-party service provider. We maintain sole discretion to change the scope of the service (including the list of Medical Green Channel hospitals) and the service provider from time to time without advance notice. We may also cease and/or suspend the service at our sole discretion.
Treatment Sure
This service offers you:
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Global expert’s second medical opinion
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Medical concierge service for overseas treatment
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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 plan.
Treatment Sure 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.
Other value-added services
Medical Expenses Direct Billing Service for hospitalisation, day surgeries and diagnostic imaging tests
With our pre-authorisation, we will pay your eligible medical costs directly to private hospitals, our network medical centres or network imaging centres in Hong Kong.
Find out more about Medical Expenses Direct Billing Service for hospitalisation, day surgeries and diagnostic imaging tests
Note: Medical Expenses Direct Billing Service for hospitalisation, day surgeries and diagnostic imaging tests does not form part of the plan.
Medical Expenses Direct Billing Service for hospitalisation, day surgeries and diagnostic imaging tests 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.
SmartAppoint Service
This service enables you to set up an instruction for a designated family member in advance to file and access claims on your behalf if you become mentally incapacitated, providing you with immediate financial relief, just when it matters the most.
Find out more about SmartAppoint Service
Note: SmartAppoint Service does not form part of the plan.
24-hour Worldwide Emergency Assistance Services
This service offers you emergency evacuation and repatriation cover if you suffer from a serious injury or illness overseas.
Find out more about 24-hour Worldwide Emergency Assistance Services
Note: 24-hour Worldwide Emergency Assistance Services do not form part of the plan.
24-hour Worldwide Emergency Assistance Services are 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
Useful Tools
Learn more
Certification number of PRUHealth FlexiChoice Medical Plan
From 3 October 2022, this plan is available for new applications and renewals as a rider, while standalone plan is only available for renewals.
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For new application or renewal from 1 Oct 2024 |
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Room Level |
Ward |
Semi Private Room |
Private Room |
|
HKD Plan |
Without PRUHealth Major |
F00013-01-000-06 |
F00013-02-000-06 |
F00013-03-000-06 |
|
|
With PRUHealth Major |
Option 1: F00013-01-001-06 |
Option 1: F00013-02-001-06 |
F00013-03-001-06 |
|
USD Plan |
Without PRUHealth Major |
F00013-04-000-06 |
F00013-05-000-06 |
F00013-06-000-06 |
|
|
With PRUHealth Major |
Option 1: F00013-04-001-06 |
Option 1: F00013-05-001-06 |
F00013-06-001-06 |
|
For effective date or renewal from 1 Jul 2023 to 30 Sep 2024 |
|
|
Room Level |
Ward |
Semi Private Room |
Private Room |
|
HKD Plan |
Without PRUHealth Major |
F00013-01-000-05 |
F00013-02-000-05 |
F00013-03-000-05 |
|
|
With PRUHealth Major |
Option 1: F00013-01-001-05 |
Option 1: F00013-02-001-05 |
F00013-03-001-05 |
|
USD Plan |
Without PRUHealth Major |
F00013-04-000-05 |
F00013-05-000-05 |
F00013-06-000-05 |
|
|
With PRUHealth Major |
Option 1: F00013-04-001-05 |
Option 1: F00013-05-001-05 |
F00013-06-001-05 |
|
For effective date or renewal from 1 Jan 2022 to 30 Jun 2023 |
|
|
Room Level |
Ward |
Semi Private Room |
Private Room |
|
HKD Plan |
Without PRUHealth Major |
F00013-01-000-04 |
F00013-02-000-04 |
F00013-03-000-04 |
|
|
With PRUHealth Major |
Option 1: F00013-01-001-04 |
Option 1: F00013-02-001-04 |
F00013-03-001-04 |
|
USD Plan |
Without PRUHealth Major |
F00013-04-000-04 |
F00013-05-000-04 |
F00013-06-000-04 |
|
|
With PRUHealth Major |
Option 1: F00013-04-001-04 |
Option 1: F00013-05-001-04 |
F00013-06-001-04 |
|
For effective date or renewal from 5 Jan 2021 to 31 Dec 2021 |
|
|
Room Level |
Ward |
Semi Private Room |
Private Room |
|
HKD Plan |
Without PRUHealth Major |
F00013-01-000-03 |
F00013-02-000-03 |
F00013-03-000-03 |
|
|
With PRUHealth Major |
Option 1: F00013-01-001-03 |
Option 1: F00013-02-001-03 |
F00013-03-001-03 |
|
USD Plan |
Without PRUHealth Major |
F00013-04-000-03 |
F00013-05-000-03 |
F00013-06-000-03 |
|
|
With PRUHealth Major |
Option 1: F00013-04-001-03 |
Option 1: F00013-05-001-03 |
F00013-06-001-03 |
|
For effective date or renewal from 3 Mar 2020 to 4 Jan 2021 |
|
|
Room Level |
Ward |
Semi Private Room |
Private Room |
|
HKD Plan |
Without PRUHealth Major |
F00013-01-000-02 |
F00013-02-000-02 |
F00013-03-000-02 |
|
|
With PRUHealth Major |
Option 1: F00013-01-001-02 |
Option 1: F00013-02-001-02 |
F00013-03-001-02 |
|
USD Plan |
Without PRUHealth Major |
F00013-04-000-02 |
F00013-05-000-02 |
F00013-06-000-02 |
|
|
With PRUHealth Major |
Option 1: F00013-04-001-02 |
Option 1: F00013-05-001-02 |
F00013-06-001-02 |
|
For effective date before 3 Mar 2020 |
|
|
Room Level |
Ward |
Semi Private Room |
Private Room |
|
HKD Plan |
Without PRUHealth Major |
F00013-01-000-01 |
F00013-02-000-01 |
F00013-03-000-01 |
|
|
With PRUHealth Major |
Option 1: F00013-01-001-01 |
Option 1: F00013-02-001-01 |
F00013-03-001-01 |
|
USD Plan |
Without PRUHealth Major |
F00013-04-000-01 |
F00013-05-000-01 |
F00013-06-000-01 |
|
|
With PRUHealth Major |
Option 1: F00013-04-001-01 |
Option 1: F00013-05-001-01 |
F00013-06-001-01 |
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 of PRUHealth FlexiChoice Medical Plan. For information on premiums, please refer to the premium tables.
Notes
PRUHealth FlexiChoice Medical 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 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.
More details about VHIS plan
Similar products
VHIS Provider Registration No: 00026 (effective from 28 February 2019)