Product edge

 

Click to see how our PRUHealth VHIS VIP Plan offers you high-end medical care, helping you build a high-quality, flexible and holistic medical protection net.

Benefits you can count on

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    Lifetime cover of HK$56,000,000

    Full cover for key medical expenses with no itemised benefit limit up to an annual benefit limit of HKD 12,000,000 and a lifetime benefit limit of HKD 56,000,000

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    Choose Asia cover (includes Australia and New Zealand) or worldwide except the USA cover

    Cover eligible treatment costs of semi-private room hospitalisation in Mainland China, Hong Kong and Macau, or private room hospitalisation anywhere else within the covered areas

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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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    Wellness benefit to help monitor your health

    Cover eligible health screening tests or vaccination costs once within the designated policy year

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    Extra rehabilitation benefits to help your recovery

    Extra help for covered cancer, heart attack and stroke, including home facility enhancement and rehabilitation treatments

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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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    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

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

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

Learn more

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

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

For new application effective or renewed policy from 1 Apr 2023
 DeductibleCertification Number
Asia - HKD PlanHKD0F00050-01-000-04
HKD20,000F00050-02-000-04
HKD50,000F00050-03-000-04
HKD96,000F00050-07-000-01
Asia - USD PlanUSD0F00050-04-000-04
USD2,500F00050-05-000-04
USD6,250F00050-06-000-04
USD12,000F00050-08-000-01
Worldwide except USA – HKD PlanHKD0F00050-09-000-01
HKD20,000F00050-10-000-01
HKD50,000F00050-11-000-01
HKD96,000F00050-12-000-01
Worldwide except USA – USD PlanUSD0F00050-13-000-01
USD2,500F00050-14-000-01
USD6,250F00050-15-000-01
USD12,000F00050-16-000-01

 

 

For effective date or renewal from 1 Jun 2021 to 31 Mar 2023
 DeductibleCertification Number
HKD PlanHKD0F00050-01-000-03
HKD20,000F00050-02-000-03
HKD50,000F00050-03-000-03
USD PlanUSD0F00050-04-000-03
USD2,500F00050-05-000-03
USD6,250F00050-06-000-03

 

For effective date or renewal from 5 Jan 2021 to 31 May 2021
 DeductibleCertification Number
HKD PlanHKD0F00050-01-000-02
HKD20,000F00050-02-000-02
HKD50,000F00050-03-000-02
USD PlanUSD0F00050-04-000-02
USD2,500F00050-05-000-02
USD6,250F00050-06-000-02

 

For effective date before 5 Jan 2021
 DeductibleCertification Number
HKD PlanHKD0F00050-01-000-01
HKD20,000F00050-02-000-01
HKD50,000F00050-03-000-01
USD PlanUSD0F00050-04-000-01
USD2,500F00050-05-000-01
USD6,250F00050-06-000-01

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. For information on premiums, please refer to the premium tables.

PRUHealth VHIS VIP 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.

VHIS Provider Registration No: 00026 (effective from 28 February 2019)

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