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fight the virus with you
About Prudential Hong Kong

We fight COVID-19 with you

Prudential further expands scope of anti-epidemic support services to help Hong Kongers overcome challenges

Anti-epidemic measures

Prudential understands that many are facing hardships and challenges due to the pandemic, which is why we have launched the following measures and services to meet our customers’ needs. We stand by you in fulfilling our commitment to protect public health and fight against the pandemic alongside the people of Hong Kong.

 

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

Insurance plans that provide overseas COVID-19 medical coverage

Coverage#

Hospital and surgical plan^

  • PRUHealth CoreChoice Medical Plan

  • PRUHealth FlexiChoice Medical Plan

  • PRUHealth VHIS VIP Plan

  • PRUmed lifelong care plan

  • PRUhealth Secure Top-Up Plan

  • PRUhealth medical plus

  • PRUmyhealth prestige medical plan

  • PRUmed care plan

  • PRUparent medical care plan

  • PRUmed better care plan

  • PRUmed health care plan

     

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).

 

Hospital cash plan

  • Juvenile PRUmed hospital care plan

  • PRUmed hospital care plan

  • PRUparent hospital cash plan

  • PRUmedisave account / Golden Years PRUmedisave account

  • Refundable Hospital Cash Plan

  • 100% Refundable Hospital Income Plan

  • Insurance plans with hospital cash benefit under “hospitalisation and surgical benefits”^

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).

Outpatient insurance plan

  • Outpatient benefit

Reimbursement of medical expenses according to policy terms and conditions.

 

General insurance

Insurance plans that provide overseas COVID-19 medical coverage

Coverage#

  • PRUChoice Medical

  • PRUChoice MediExtra

  • PRUChoice China Protection

  • Group Medical Insurance

Reimbursement of overseas medical expenses according to policy terms and conditions.

 

  • PRUChoice HealthCare

Daily hospital cash payment according to policy terms and conditions.

 

  • PRUChoice Travel

  • PRUChoice Travel Overseas Study

  • PRUChoice Travel Working Holiday

  • PRUChoice Relocation Care

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.

Enjoy a HKD200 premium refund if you successfully take up the selected plans anywhere, anytime in Hong Kong, whether online or through post by 30 June 2022. Terms and conditions apply.

Learn more about the promotion details 

 

Note: This measure is applicable to insurance plans underwritten by Prudential Hong Kong Limited.

Pulse app for application of designated plans

New customers can apply for the protection plans below via Pulse app:

 

Enjoy up to 50% premium refund if you enrol with your family member(s) in VHIS plan(s) by 27 June 2022. Terms and conditions apply.

Learn more about the promotion details

 

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:

 

 

Asymptomatic without the need for hospitalisation

Stayed in general ward or community treatment / isolation facility

Stayed in ICU or ITU

Previous underwriting standards

Full recovery for over 1 month

Full recovery for over 2 months

Full recovery for over 2 years

New underwriting standards

No waiting period; standard premium

Full recovery for over 1 month with certification of recovery by the attending physician;
standard premium

Full recovery for over 6 months with certification of recovery by the attending physician required before
life, critical illness and medical coverage can be considered

 

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

To help customer fight against COVID-19, from now until 31 March 2023, Prudential offers special support services for claims applications related to COVID-19:

 

  1. Simplified claims procedures and required documents relating to ‘COVID-19 test’ and ‘COVID-19’

    • 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.

  2. Green Channel for speedy claim applications

    • 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.

  3. Extended deadline for follow-up document submissions

    • The submission period has been extended to 4 months to allow customers more time for submissions.

  4. Extended deadline for Special Condition Letter submissions

    • The submission period has been extended to 40 days to allow customers more time for submissions.

 

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.

Online self-service portal for policy management anytime, anywhere

To avoid being affected by uncertainties or postal service delays during the pandemic, customers are encouraged to make payments via electronic payment methods such as PPS, online banking transfers, FPS etc. If the application for financial change in policy involves the withdrawal of money, you can choose to receive it via a bank transfer.

You can also use our myPrudential online self-service portal to pay premiums and manage your policies anytime, anywhere, including:

  • Application for policy amendment
  • Enquiry and download of policy information, policy advice and payment receipt
  • Reprint of policy contract or other policy document

 

You may also update your contact information (including contact number, address, and email) instantly via PRUServices in the Pulse app.

Due to the latest developments in the COVID-19 epidemic and delay in postal services, the processing time will be prolonged for application of services, including but not limited to request for paper documents and re-issue of cheque, through other channels.

 

Note: This measure is applicable to insurance plans underwritten by Prudential Hong Kong Limited and Prudential General Insurance Hong Kong Limited.

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.

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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.