Limited offer

Double up the health protection, double the premium refund!

Enrol and choose a 30% basic premium refund or the whole life guaranteed renewal on PRUChoice Furkid Care*, plus an extra 30% premium refund for all existing and new Prudential critical illness plan customers!

Terms and conditions apply

Learn more
limited offer

Product edge

Click to see how our PRUHealth FlexiChoice Medical Plan offers you flexible, reliable and comprehensive protections with an affordable price.

Benefits you can count on

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    No lifetime benefit limit

    Cover eligible medical expenses worldwide up to the itemised limits, taking care of you from diagnosis to recovery

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    Choose your cover to fit your budget

    Choose from our 3 covers (Ward, Semi-private Room or Private Room) according to your needs

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    Immediate cover – no waiting period

    Protect you as soon as your plan takes effect (except cover for unknown pre-existing conditions including unknown congenital conditions, as well as pregnancy complications)

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    Guaranteed renewal for life, accompanying your health journey

    Regardless of any change in your medical or claims history

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    Cover unknown pre-existing and congenital conditions, as well as pregnancy complications

    Fully cover eligible claims arising from these conditions after the specified period

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    Top up your coverage with PRUHealth Major

    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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    15% no claim discount to reward good health

    Enjoy a no claim discount of 15% if you have not claimed under your plan for the last 3 years

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    Know in advance how much you can claim towards your treatment

    Project how much you can claim under the plan before you receive any treatment at private healthcare facilities

Tax deductions on your qualifying premiums

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.

Extra protection for extra peace of mind

Medical Green Channel – Get priority booking for outpatient and/or hospitalisation appointments at selected hospitals in Mainland China

Treatment Sure – Get back on the road to health with personalised medical advice from global experts

Medical Expenses Direct Billing Service for hospitalisation, day surgeries and diagnostic imaging tests

SmartAppoint Service – Set up an instruction for a designated family member in advance to file and access claims on your behalf if you become mentally incapacitated

24-hour Worldwide Emergency Assistance Services

Note: Medical Expenses Direct Billing Service for hospitalisation, day surgeries and diagnostic imaging tests, Medical Green Channel, Treatment Sure and 24-hour Worldwide Emergency Assistance Services do not form part of the plan.

Download documents

Learn More

From 3 October 2022, this plan is available for new applications and renewals as a rider, while standalone plan is only available for renewals.

For new application or renewal from 1 Oct 2024
 

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 2: F00013-01-002-06

Option 1: F00013-02-001-06
Option 2: F00013-02-002-06

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 2: F00013-04-002-06

Option 1: F00013-05-001-06
Option 2: F00013-05-002-06

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 2: F00013-01-002-05

Option 1: F00013-02-001-05
Option 2: F00013-02-002-05

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 2: F00013-04-002-05

Option 1: F00013-05-001-05
Option 2: F00013-05-002-05

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 2: F00013-01-002-04

Option 1: F00013-02-001-04
Option 2: F00013-02-002-04

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 2: F00013-04-002-04

Option 1: F00013-05-001-04
Option 2: F00013-05-002-04

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 2: F00013-01-002-03

Option 1: F00013-02-001-03
Option 2: F00013-02-002-03

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 2: F00013-04-002-03

Option 1: F00013-05-001-03
Option 2: F00013-05-002-03

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 2: F00013-01-002-02

Option 1: F00013-02-001-02
Option 2: F00013-02-002-02

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 2: F00013-04-002-02

Option 1: F00013-05-001-02
Option 2: F00013-05-002-02

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 2: F00013-01-002-01

Option 1: F00013-02-001-01
Option 2: F00013-02-002-01

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 2: F00013-04-002-01

Option 1: F00013-05-001-01
Option 2: F00013-05-002-01

F00013-06-001-01

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.

 

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 the product 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.

 

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