Support against COVID-19
Overseas COVID-19 medical coverage
As some countries may require inbound travellers to have an insurance plan that covers the treatment of COVID-19, Prudential has specifically listed the insurance plans that can provide overseas COVID-19 medical coverage according to the policy provisions to meet your travel needs.
Reminder: Epidemic prevention and control regulations of different countries are subject to change. Please pay close attention to the latest entry policies of the destination country.
Life insurance
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Insurance plans that provide overseas COVID-19 medical coverage |
Coverage# |
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Hospital and surgical plan^
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Reimbursement of overseas inpatient medical expenses according to policy terms and conditions. Special administrative arrangement*：From now until 31 March 2023, each insured person can claim once for expenses related to COVID-19 test performed within 72 hours before admission to hospital (following the normal claims procedure).
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Hospital cash plan
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Daily hospital cash payment according to policy terms and conditions. Special administrative arrangement**：From now until 31 March 2023, if the insured person is diagnosed with COVID-19 and thus admitted to a government-specified facilities for treatment purposes, hospital cash payment is also applicable (following the normal claims procedure). |
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Outpatient insurance plan
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Reimbursement of medical expenses according to policy terms and conditions. |
General insurance
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Insurance plans that provide overseas COVID-19 medical coverage |
Coverage# |
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Reimbursement of overseas medical expenses according to policy terms and conditions.
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Daily hospital cash payment according to policy terms and conditions.
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Reimbursement of overseas medical expenses and daily hospital cash payment (if applicable) according to policy terms and conditions for an insured person who has received at least two doses of COVID-19 vaccine as required by the local “Vaccine Pass” of Hong Kong before the overseas trip begins, and is subsequently diagnosed with COVID-19 during the trip. This coverage is not applicable for any insured person who is assessed as medically unsuitable for vaccination and issued with an “Exemption Certificate”. |
# Subject to terms and conditions. Please refer to the relevant product brochure and policy document or certificate of policy for details, or consult with your financial consultant. The coverage mentioned above including the special administrative arrangement is not complimentary, and coverage and the maximum benefit limit is subject to policy terms and conditions, including all applicable limitations and disclaimers.
^ There are regional restrictions for different product coverages. Please refer to the relevant policy documents or consult with your financial consultant for details.
* Upon meeting all the policy terms and conditions, each insured person can submit only one claim for expenses related to COVID-19 test performed within 72 hours before admission to hospital. The benefit limit is subject to the policy terms and conditions, capped at a total of HK$1,700 (regardless of owning more than one eligible policy). Prudential Hong Kong Limited reserves the right to cancel or change the above special administrative arrangement at any time without prior notice. Please consult with your financial consultant for details.
** Prudential Hong Kong Limited reserves the right to cancel or change the above special administrative arrangement at any time without prior notice. Please consult with your financial consultant for details.
※ For existing customers of PRUChoice Travel and PRUChoice Relocation Care whose policy’s issue date or renewal effective date is before 27 April 2022, if the outbound travel destination is not listed in the “Specific Countries / regions List” relevant to the corresponding policy, the abovementioned protection is available regardless whether the customer meets the vaccination requirement or not.
Virtual onboarding app
Virtual onboarding allows you to benefit from timely protection despite social distancing and stay-at-home restrictions. Our upgraded Prudential Virtual Onboarding mobile application covers all individual life insurance products, including investment-linked assurance plans that have been included in the scope of remote applications by the Insurance Authority.
Prudential’s professional financial consultants will guide you through real-time virtual meetings, so you can better understand different protection plans, including the product features and details, the level of premium payable, payment period and other terms, etc. Combined with our reliable digital platform, your application process will be secure and convenient.
Note: This measure is applicable to insurance plans underwritten by Prudential Hong Kong Limited.
Relaxation on new application underwriting standards
- Due to the pandemic’s ever-changing circumstances, if the insured has unfortunately been infected by COVID-19, Prudential will assess their health status in accordance with the new underwriting standards:
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Asymptomatic without the need for hospitalisation |
Stayed in general ward or community treatment / isolation facility |
Stayed in ICU or ITU |
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Previous underwriting standards |
Full recovery for over 1 month |
Full recovery for over 2 months |
Full recovery for over 2 years |
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New underwriting standards |
No waiting period; standard premium |
Full recovery for over 1 month with certification of recovery by the attending physician; |
Full recovery for over 6 months with certification of recovery by the attending physician required before |
Note: This measure is applicable to insurance plans underwritten by Prudential Hong Kong Limited. Prudential Hong Kong Limited reserves the right to cancel or change the above special administrative arrangements at any time without prior notice.
Simplified and flexible claims application procedure
From now until 31 March 2023, Prudential offers special support services for claims applications related to COVID-19:
- Simplified claims procedures and required documents relating to ‘COVID-19 test’ and ‘COVID-19’
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Customers only need to complete Part I of the Hospital Claim Form with the proof of a COVID-19 diagnosis issued by the hospital, followed by submission of the original receipt afterwards. Part II of the Claim Form, i.e. the medical certification to be completed by the attending registered physician, can be exempted.
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- Green Channel for speedy claim applications
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All claims related to COVID-19 can be submitted to a designated email address. If you need this service, please call our COVID-19 enquiry hotline at (852) 2281 1333 or our Mainland China toll-free direct hotline at 400 8428733.
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- Extended deadline for follow-up document submissions
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The submission period has been extended to 4 months to allow customers more time for submissions.
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- Extended deadline for Special Condition Letter submissions
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The submission period has been extended to 40 days to allow customers more time for submissions.
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Note: This measure is applicable to insurance plans underwritten by Prudential Hong Kong Limited. Prudential Hong Kong Limited reserves the right to cancel or change the above special administrative arrangements at any time without prior notice.
Caring for the community
Prudential partners with Oxfam Hong Kong and The Hong Kong Federation of Youth Groups Cheung Wah Youth S.P.O.T. to fund frontline cleaners, essential workers, and their families through the Prudence Foundation. We are distributing 30,000 Rapid Antigen Test kits free of charge, to meet the urgent demand for rapid antigen testing supplies.
Notes
The life insurance plans and general insurance plans above are underwritten by Prudential Hong Kong Limited and Prudential General Insurance Hong Kong Limited respectively (“Prudential” or “we”), and are subject to all of their respective policy terms and conditions.
The product details and other relevant information listed above are for reference only. It does not constitute any contract or any part thereof between us and any persons or entities (unless otherwise stated). Whether to apply for insurance coverage is your own individual decision. 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 and read carefully. Prudential will be happy to provide a specimen of the policy document upon your request.
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.