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

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limited offer

Exclusive offer*

Civil servants and non-civil servants employed by the government and their families can enjoy another extra 10% premium refund!

Terms and conditions apply

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Exclusive offer

*Applicable to customers who enrol a basic plan through designated sales channel(s) in Hong Kong.

Product edge

Click to see how our PRUHealth VHIS EasyChoice Plan offers you high-quality, thoughtfully-designed and cost-efficient 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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    Safeguard against exceeded eligible medical expenses with embedded PRUHealth Major

    Covering 80% of your excess, subject to PRUHealth Major limit and its applicable benefit limits

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    Protection against cancer, kidney failure and accidents

    Offer prescribed non-surgical cancer treatments, dialysis, rental costs of a kidney dialysis machine for use at home, outpatient and death benefit after an accident

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    Know in advance how much you can claim towards 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

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Room Level
 

Ward

Semi Private Room

Private Room

HKD Plan

F00068-01-000-01

F00068-02-000-01

F00068-03-000-01

USD Plan

F00068-04-000-01

F00068-05-000-01

F00068-06-000-01

 

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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