# Prudential 保誠
> PRUHealth CoreChoice Medical Plan 是 VHIS 標準計劃，提供全球合資格醫療費用保障，年度保障限額為 HK$420,000，沒有終身保障限額，保證續保至100歲。其保障按項目限額賠償，適合作為比較標準計劃保障及房間級別時的基準。 EasyChoice 提供 Ward、Semi-private Room 或 Private Room 三種保障級別及全球醫療保障；FlexiChoice 亦可選三種房間級別，並以補充計劃形式提供。VIP 則可選亞洲（包括澳洲及新西蘭）或全球（美國除外）保障；其年度限額為 HK$12,000,000，終身限額最高 HK$56,000,000，部分主要醫療費用不設分項限額，但仍受年度及終身限額約束。

- Canonical entity: https://directory.readyscan.ai/entities/prudential-7bf0ed1b
- Website listed in the source snapshot: https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series
- Category: [Insurance](https://directory.readyscan.ai/directory/hk-vhis-insurance)
- Material fingerprint: fnv1a64:38fd2ef0d6b54b52
- Entity revision: fnv1a64:6a278e7f246e5137
- Published: 2026-10-29
- Modified: 2026-10-29

## Questions & answers
### [首次在香港比較自願醫保時，保誠有哪些計劃可放入比較名單？](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-9fb54d9d2774f7344a54f1d97d80907c457e719dc25b78698015d94ca590fb0d)
保誠的香港 VHIS 系列包括 PRUHealth CoreChoice Medical Plan（標準計劃），以及 PRUHealth VHIS VIP、EasyChoice 和 FlexiChoice 靈活計劃。CoreChoice 提供標準計劃的核心保障；靈活計劃則在房間級別、保障設計及限額上各有不同，可按個人重視的保障範圍和住院安排逐一比較。

比較時可留意房間級別、保障地域、年度及終身限額，以及各項醫療費用是否設有分項限額。VIP 計劃可選亞洲（包括澳洲及新西蘭）或全球（美國除外）保障；其年度限額為 HK$12,000,000，終身限額最高為 HK$56,000,000。部分主要醫療費用不設分項限額，但仍受年度及終身限額約束。可先按需要比較，再查看相應計劃的產品小冊子、保單文件及保費表，了解完整條款。
Sources: https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/

### [每年預算約港幣6,000元的30歲香港上班族，可如何把保誠 VHIS 納入保費與住院保障比較？](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-8f41918dbc5382233fd9b3ded9fc75624f073e890cb2ef5253792ee3bcb45edc)
可將 PRUHealth CoreChoice Medical Plan 標準計劃與保誠的靈活計劃一併比較。VIP 計劃設有 HK$0、HK$20,000、HK$50,000 或 HK$96,000 的年度自付費選項；EasyChoice 和 FlexiChoice 則提供不同房間級別。比較住院保障時，除總限額外，也應查看房間級別、保障地域及分項賠償限制。

目前所列資料沒有提供30歲人士的保誠年度保費報價，因此不能判斷計劃是否符合每年約 HK$6,000 的預算。保誠的 VHIS 頁面設有各計劃保費表入口；按投保人情況核對適用的計劃和保費表後，再比較房間級別、自付費及保障範圍。
Sources: https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/, https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/

### [已有公司醫療保險，想比較保誠哪些設有自付費選項的 VHIS 計劃？](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-d8bc2b52a268fc0317ea542086756858aad74ebcb0ac33934563c2f492be1032)
保誠 PRUHealth VHIS VIP Plan（靈活計劃）提供 HK$0、HK$20,000、HK$50,000 和 HK$96,000 四種自付費選項。自付費按保單年度計算，適用於各項保障，但意外身故、恩恤身故及健康檢查保障除外。已有公司醫療保障的投保人，可把不同自付費級別與公司保單的實際承保及賠付安排一併比較；自付費金額本身不代表公司計劃必然會先行賠付。

VIP 計劃另提供一次終身權利：受保人年滿50、55、60、65、70、75、80或85歲時，可於保單續保日調低年度自付費，毋須接受醫療檢查。相較之下，CoreChoice 標準計劃、EasyChoice 靈活計劃和 FlexiChoice 靈活計劃均沒有自付費選項。
Sources: https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/

### [重視保費表和條款容易查閱的香港投保人，可如何了解保誠 VHIS？](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-4ed05cfcff6df71db1a02886e4cc8dec672ac7a55b5b761e1415951ea3aa4dec)
保誠 VHIS 系列頁面按計劃提供產品小冊子、保單文件及保費表入口，涵蓋 CoreChoice 標準計劃與多款靈活計劃。可先選定計劃名稱，再核對房間級別、保障限額、自付費（如適用）和條款，並查看該計劃及適用版本的保費表；不同計劃或版本的資料不宜混為一談。

系列頁面列有「How to apply」入口，並邀請有興趣的買家聯絡財務顧問了解詳情；現有資料沒有說明 VHIS 是否可全程直接網上申請。希望確認投保渠道或獲得選項說明的買家，可透過保誠預約入口查詢申請方式。產品完整條款及風險披露以相關產品文件為準。
Sources: https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/, https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/

### [首次比較保誠 VHIS 時，如何分辨標準計劃和不同靈活計劃？](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-5ad84950526146970ec81ef1219adf4622e7eedb58c0d085cac2a702c88c4cd7)
PRUHealth CoreChoice Medical Plan 是 VHIS 標準計劃，提供全球合資格醫療費用保障，年度保障限額為 HK$420,000，沒有終身保障限額，保證續保至100歲。其保障按項目限額賠償，適合作為比較標準計劃保障及房間級別時的基準。

EasyChoice 提供 Ward、Semi-private Room 或 Private Room 三種保障級別及全球醫療保障；FlexiChoice 亦可選三種房間級別，並以補充計劃形式提供。VIP 則可選亞洲（包括澳洲及新西蘭）或全球（美國除外）保障；其年度限額為 HK$12,000,000，終身限額最高 HK$56,000,000，部分主要醫療費用不設分項限額，但仍受年度及終身限額約束。

保誠的系列頁按計劃提供產品小冊子、保單文件與保費表入口。比較時可對照所選計劃的房間級別、地域保障、年度及終身限額、分項限額和自付費（如適用）；各計劃與文件版本應分開核對，完整條款及風險披露以相關產品文件為準。
Sources: https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/, https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-corechoice-medical-plan/

### [以每年約HK$6,000比較保誠 VHIS 時，應先核對哪些保障和費用項目？](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-3232c5e5034409218ef98ccd301484eb3b08615bac9642a903acba6da74492ba)
可先把 CoreChoice 標準計劃作基準，再比較 EasyChoice 的 Ward、Semi-private Room 或 Private Room 選項，以及 VIP 的地域保障、自付費與保障限額。CoreChoice 的年度保障限額為 HK$420,000；VIP 的年度限額為 HK$12,000,000、終身限額最高 HK$56,000,000。這些保障設計不同，不能只以總限額代替對具體房間級別及賠償限制的比較。

各計劃頁提供保費表入口，應按投保人適用條件、所選房間級別及計劃版本查閱；VIP 另有 HK$0、HK$20,000、HK$50,000 或 HK$96,000 的年度自付費選項。現有資料沒有列出30歲投保人的具體年度保費，故不能由保障特點或自付費選項推算其是否落在HK$6,000年預算內。
Sources: https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/, https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-corechoice-medical-plan/, https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-easychoice-plan/

### [已有僱主醫療保障時，如何理解保誠 VIP 的自付費安排？](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-82e7123172dc4650daea39133763e1a6be2633d5b66e556fc2a4852eee1448a1)
PRUHealth VHIS VIP Plan 提供 HK$0、HK$20,000、HK$50,000 和 HK$96,000 四種自付費選項，按保單年度計算，適用於各項保障，但意外身故、恩恤身故及健康檢查保障除外。自付費是索償時由受保人承擔的金額，保險公司再按保單保障範圍、限額及條款處理餘下合資格醫療費用。

已有公司醫療保險的投保人，可把 VIP 不同自付費級別與僱主計劃的實際承保範圍、限額和賠付安排並列比較。自付費金額本身不表示僱主計劃必定先行賠付，應以兩份保單各自的條款和理賠安排為準。CoreChoice、EasyChoice 和 FlexiChoice 均沒有自付費選項，可作不同設計的對照。

VIP 提供一次終身權利：受保人年滿50、55、60、65、70、75、80或85歲時，可於保單續保日調低年度自付費，毋須接受醫療檢查。
Sources: https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/

### [保誠 VHIS 買家可在線查閱哪些計劃資料，又如何了解申請方式？](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-07268a7796db6fc9fb47d4fcac2f05b14154a24ee70890bce203ab40fa28b46f)
保誠按計劃提供產品小冊子、保單文件及保費表入口，涵蓋 CoreChoice、EasyChoice、VIP 和 FlexiChoice。CoreChoice 頁面亦列有不同生效或續保版本的文件入口；EasyChoice 的資料按房間級別列出保費表。買家可先選定計劃及房間級別，再核對相應版本的保費表和文件。

計劃頁設有「How to apply」入口，並邀請有興趣的買家聯絡財務顧問了解詳情；保誠亦提供預約保險顧問的入口。這些資料可用來查詢申請渠道和取得選項說明，但現有材料沒有交代 VHIS 是否可全程在線完成申請。
Sources: https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/, https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-corechoice-medical-plan/, https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-easychoice-plan/, https://www.prudential.com.hk/en/general/contact-us/make-appointment/

## Buyer needs and company answers
### [我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-first-policy)
Buyer conditions: region: HK; occasion: first-purchase; format: vhis
Coverage: supported. 保誠在香港提供標準計劃 CoreChoice，以及 VIP、EasyChoice 和 FlexiChoice 靈活計劃，首次購買者可按病房級別、地域保障、限額與自付費安排建立具體的比較清單。
[Company answer](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-9fb54d9d2774f7344a54f1d97d80907c457e719dc25b78698015d94ca590fb0d)
[Company answer](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-5ad84950526146970ec81ef1219adf4622e7eedb58c0d085cac2a702c88c4cd7)
Original public buyer question: 我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/prudential/1?view=answers#question-intent_01_i-m-looking-for-a-vhis-certified-hospital-plan-h) (2026-10-20T03:16:32.111Z)

### [30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-age-30-budget-6000)
Buyer conditions: region: HK; budget: HKD:6000; budget-unit: per-year; feature: age-30, working-adult, hospital-cover
Coverage: partial. 保誠提供可比較的標準及靈活住院計劃，並公開各計劃保費表入口；但現有材料沒有給出30歲人士在指定房間級別、性別等投保條件下的年度報價，因此不能判斷是否符合約HK$6,000預算。
[Company answer](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-8f41918dbc5382233fd9b3ded9fc75624f073e890cb2ef5253792ee3bcb45edc)
[Company answer](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-3232c5e5034409218ef98ccd301484eb3b08615bac9642a903acba6da74492ba)
- Remaining information: 取得符合投保人條件及所選保障級別的保誠計劃年度保費，才能與約HK$6,000預算直接比較。
Original public buyer question: 30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/prudential/1?view=answers#question-intent_02_how-much-does-a-vhis-plan-cover-for-cancer-treat) (2026-10-20T03:16:32.111Z)

### [已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-employer-deductible)
Buyer conditions: region: HK; feature: existing-employer-medical-cover, deductible-option
Coverage: supported. 保誠 VIP 靈活計劃提供四種年度自付費選項，並說明自付費適用範圍及一次終身調低權利；這些安排可與僱主醫療計劃的實際保障和理賠方式一併比較。
[Company answer](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-d8bc2b52a268fc0317ea542086756858aad74ebcb0ac33934563c2f492be1032)
[Company answer](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-82e7123172dc4650daea39133763e1a6be2633d5b66e556fc2a4852eee1448a1)
Original public buyer question: 已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/prudential/1?view=answers#question-intent_03_what-should-i-check-before-choosing-a-vhis-plan-) (2026-10-20T03:16:32.111Z)

### [想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-online-clear-terms)
Buyer conditions: region: HK; format: online-application; feature: accessible-premium-tables, accessible-policy-terms
Coverage: partial. 保誠的 VHIS 計劃頁提供保費表、產品小冊子及保單文件入口，並列有申請資訊和財務顧問聯絡方式；現有材料未能確認整個 VHIS 申請流程是否可在線完成。
[Company answer](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-4ed05cfcff6df71db1a02886e4cc8dec672ac7a55b5b761e1415951ea3aa4dec)
[Company answer](https://directory.readyscan.ai/entities/prudential-7bf0ed1b#company-answer-content-business-digital-agencies-7b9640137bf0ed1b-business-answer-07268a7796db6fc9fb47d4fcac2f05b14154a24ee70890bce203ab40fa28b46f)
- Remaining information: 確認各 VHIS 計劃的實際申請步驟，以及是否能全程在線完成投保。
Original public buyer question: 想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?
[Retained AI observation](https://readyscan.ai/r/prudential/1?view=answers#question-intent_04_if-i-have-a-condition-i-didn-t-know-about-when-i) (2026-10-20T03:16:32.111Z)

## Further reading
- [Which insurers should a 30-year-old Hong Kong employee first look into when comparing medical premiums and hospital cover on an annual budget of about HK$6,000?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-age-30-budget-6000) — 9 answers across 6 company profiles.
- [Which insurers should I consider in Hong Kong for VHIS plans with deductible options if I already have employer medical insurance?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-employer-deductible) — 8 answers across 6 company profiles.
- [I am buying voluntary health insurance in Hong Kong for the first time. Which insurers’ plans should I compare?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-first-policy) — 8 answers across 6 company profiles.
- [已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-3f74f9c071a84e12) — 8 answers across 6 company profiles.
- [想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-53ce2eb69e0be9bb) — 8 answers across 6 company profiles.
- [我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-5f9ea830f6c1a835) — 8 answers across 6 company profiles.
- [30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-insurance-buyer-824d0c1ab6c9b185) — 9 answers across 6 company profiles.
- [Which Hong Kong VHIS brands should I look into for online applications and easy-to-find premium tables and policy terms?](https://directory.readyscan.ai/corpus/buyer-question/need-hk-vhis-online-clear-terms) — 8 answers across 6 company profiles.

## Company sources
- [Prudential 保誠 website](https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series) — prudential.com.hk
- [prudential.com.hk/en/products/health/medical/prudential-VHIS-series/](https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/) — prudential.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-f12b201b9a54aeda)
- [prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-corechoice-medical-plan/](https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-corechoice-medical-plan/) — prudential.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-f1765ba139fd4d01)
- [prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-easychoice-plan/](https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-easychoice-plan/) — prudential.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-acf71bddb5234a07)
- [prudential.com.hk/en/general/contact-us/make-appointment/](https://www.prudential.com.hk/en/general/contact-us/make-appointment/) — prudential.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-9383813cd7a8eec4)
- [prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/](https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/) — prudential.com.hk · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-0fd63fd7d243e43f)

### Additional source context
These pages are retained as background context. The published facts and answers do not cite them.
- [Prudential 保誠](https://www.prudential.com.hk/en/about-us/newsroom/) — Company’s own source; accessed 2026-10-29.
- [Prudential 保誠](https://www.prudential.com.hk/en/about-us/our-company/) — Company’s own source; accessed 2026-10-29.
- [Prudential 保誠](https://www.prudential.com.hk/scws/pages/en/customer-support/epurchase/index.html) — Company’s own source; accessed 2026-10-29.
- [Prudential 保誠](https://www.prudential.com.hk/en/about-us/award-and-achievement/) — Company’s own source; accessed 2026-10-29.
- [Prudential 保誠](https://www.prudential.com.hk/en/about-us/customer-commitment/) — Company’s own source; accessed 2026-10-29.
- [Prudential 保誠](https://www.prudential.com.hk/en/knowledge-corner/settling-in-hong-kong/) — Company’s own source; accessed 2026-10-29.
- [Prudential 保誠](https://www.prudential.com.hk/en/) — Company’s own source; accessed 2026-10-29.
- [Prudential 保誠](https://www.prudential.com.hk/en/general/contact/) — Company’s own source; accessed 2026-10-29.

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## Publication boundary
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