PRUHealth FlexiChoice Medical Plan

Benefit term: Renewable / Supplementary benefit only; attach to a basic plan. Cover ends no later than the attached basic plan.Public source · Checked: 13 Oct 2026

Recorded features: VHIS Flexi Plan rider; ward, semi-private and private room options.Public source · Checked: 13 Oct 2026

There is no overall lifetime benefit limit; benefit-item limits and the plan’s benefit schedule still apply.Public source · Checked: 13 Oct 2026

Premium payment terms: Renewable / Supplementary benefit only; attach to a basic plan. Cover ends no later than the attached basic plan.Public source · Checked: 13 Oct 2026

Premium rates may be reviewed and adjusted for particular risk classes at each policy anniversary, rather than for an individual customer.Public source · Checked: 13 Oct 2026

The brochure guarantees renewal for life, subject to the prevailing premium rate, terms and benefit schedule. Premiums are reviewed separately.Public source · Checked: 13 Oct 2026

Unknown pre-existing conditions are covered from the 31st day of the first policy year; specified pregnancy complications require 300 days from the plan effective date.Public source · Checked: 13 Oct 2026

The exclusions include non-medically-necessary services and hospital stays solely for diagnostic procedures/allied health services, subject to the stated medically necessary investigation exception.Public source · Checked: 13 Oct 2026

Following renewal revisions, written cancellation within thirty days of renewal refunds premiums paid since renewal if no claims have been or are made.Public source · Checked: 13 Oct 2026

Signed written cancellation within 21 calendar days after the earlier policy or cooling-off-notice delivery refunds paid premiums and levy, less withdrawals, if no claim has been made.Public source · Checked: 13 Oct 2026

Supplementary benefit only; attach to a basic plan. Cover ends no later than the attached basic plan.Public source · Checked: 13 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Log in to myPrudential, enter details, upload evidence, preview and submit; eligible network treatment can use direct billing.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Hospital claim form with doctor’s Part II; sufficient public-hospital discharge evidence may allow Part II waiver.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Hospital claim: within 90 days of discharge.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: myPrudential eClaims, financial consultant or post; eligible medical-network direct billing is a separate route.Public source · Checked: 13 Oct 2026

Medical / VHIS — Overseas claims / servicing: Overseas hospital claims can be submitted with relevant documents, subject to special-case exceptions and policy terms.Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: FPS payment is instant upon claim approval; eligible network direct billing pays expenses on the insured’s behalf.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Preliminary medical assessment: 5 working days from claim receipt; eClaims acknowledgement within 2 hours.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026

The brochure distinguishes ward and semi-private room levels; the applicable benefit schedule depends on the selected level.Public source · Checked: 13 Oct 2026