(17 March 2026, Hong Kong) Prudential General Insurance Hong Kong Limited ("Prudential") today announced the launch of "PRUChoice Power Up Go Insurance," specifically designed for the dynamic lifestyles and diverse work patterns of the younger generation aged 18 to 30. With a daily premium of less than HK$11, the plan offers a practical and flexible protection solution to assist young people in navigating a fast-paced and ever-changing risk environment.

Aspiring by living a dynamic lifestyle, young people nowadays actively pursue new challenges, enjoy life to the fullest, and actively living in both the online and offline world. Yet, Prudential's latest annual "Financial Wellbeing Tracker"2 survey revealed that the overall financial health score of young respondents decreased by 9.8 points year-on-year, indicating that their pursuit of ideal lifestyles comes with greater financial pressure and uncertainty.

“PRUChoice Power Up Go Insurance” is specifically designed to comprehensively address their protection needs. Besides personal accident and third-party coverage, this plan also includes rare-in-market coverage3 for event compensation and mental health support to offer enhanced protection. Its cyber protection also covers financial losses arising from online transactions, including non-delivery or accidental damage of online purchases4.

The plan also offers three optional medical protection benefits, all unrestricted by any medical network, to suit the personal pace of life and budget of the younger generation.

Michael Han, General Manager of Prudential General Insurance Hong Kong Limited, said: " Data shows that over 500,000 young people in Hong Kong identify as 'slashies,'5 embracing increasingly diverse work, life, and income models. As this generation pursues their aspirations and explores different life paths, they need protection plans that are truly aligned with their unique lifestyles. The 'PRUChoice Power Up Go Insurance,' through its flexible options and competitive premiums, enables them to establish a solid and practical foundation of protection at an affordable cost, allowing them to follow their passions and explore life’s wonderful possibilities without worry."

 

Key features of PRUChoice Power Up Go

Basic Cover

Maximum Limit Per Year (HK$)

1.Personal Accident

Cover for accidental death and other permanent disabilities directly as a direct result of accident, in accordance with the benefit limit specified in the Scale of Benefits.

500,000

2.Third Party Liability

Indemnity for legal liability for bodily injury or property damage to a third party as a result of insured person’s negligence.

500,000

3.Mental Health Support

Reimburses the eligible expenses of psychiatrist / clinical psychologist consultations in Hong Kong for Mental Illness with first consultation happened within 6 months due to being a victim of specified criminal offense incident, including doxxing and assault.

5,000

4.Event Compensation

Reimburse the irrecoverable deposits or charges paid for attending an entertainment event in the event the insured person cannot attend/cancel the event that is held within two weeks of a surgery due to accidental injury or illness.

5,000

5.Personal Money and Cyber Protection

Cover losses arising from the loss of personal cash or unauthorised use of a credit card in Hong Kong, transactions made at the fraudulent websites of Licensed Bank in Hong Kong, non-delivery or accidental damage of online purchases, and identity theft.

5,000

Optional Cover

Maximum Limit Per Year (HK$)

6.Hospitalisation Expenses^

Covers the necessarily and reasonably incurred medical expenses of hospitalisation, surgery incurred as a result of bodily injury sustained from accident or illness.

300,000

30,000 per confinement

7.Top-up Medical^#

For medical expenses incurred for hospitalisation or surgery due to accidental injury or illness, the plan reimburses 80% of the eligible remaining balance after the deduction of an excess of HK$30,000 or any compensation received from the insured person's group or individual insurance (whichever is higher).

100,000

50,000 per confinement

8.Outpatient Expenses

No medical network restrictions. Cover for both general practitioner and specialist consultation fees, as well as the cost of prescribed medication, and also cover the X-Ray and laboratory test fees.

Maximum reimbursement of HK$500 per visit, with a co-payment of HK$50 per visit, for up to 15 visits per year.

7,500

^ When a claim occurs, the insured person must first claim from any other group or individual insurance. The remaining unreimbursed and eligible expenses can then be claimed under Item Six - Hospitalisation Expenses and/or Item Seven- Top-up Medical, after the deduction of the excess (if applicable), up to the maximum benefit amount.

# If the insured person is covered by both Item Six - Hospitalisation Expenses and Item Seven - Top-up Medical, Prudential will first pay benefits under Item Six - Hospitalisation Expenses. Any remaining expenses will then be reimbursed under Item Seven – Top-up Medical.

 

To celebrate the launch of the "PRUChoice Power Up Go Insurance", customers who successfully apply from 16 March to 30 April 2026 for the "PRUChoice Power Up Go Insurance" basic protection will receive a travel insurance premium discount voucher valued at HK$100. Furthermore, customers who apply for any "PRUChoice Power Up Go Insurance" optional cover will receive a Klook e-gift card valued at HK$500, allowing young people to travel and have fun with peace of mind6!

The above shows only partial information on the product's coverage. For more details on the plan, promotional offers, and application methods, please visit the product introduction and product brochure on Prudential's official website.

 

Disclaimer

"PRUChoice Power Up Go Insurance" is underwritten by Prudential General Insurance Hong Kong Limited. This document does not contain the full terms and conditions of this plan and is for reference only. For further details and the terms and conditions of this plan, customers can ask Prudential for a sample of the policy document. 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.

 

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1 The daily premium is calculated based on the basic protection plan.

2 From November to December 2025, Prudential surveyed 707 Hong Kong residents aged 18-60 via an online questionnaire. The results showed that the overall financial health score for respondents aged 18-35 decreased by 9.8 points year-on-year.

3 We base our statement regarding “rare-in-market coverage” on our understanding and interpretation of current market information, by a comparison of similar protection plans among major insurance companies in Hong Kong as of 2nd March 2026.

4 For product details, please refer to the terms and conditions in the relevant product brochure and policy sample.

5 Data source: The Hong Kong Federation of Youth Groups, Youth Research Centre, "Youth Trends in Hong Kong 2024".

6 The promotion offers are subject to terms and conditions.

 

About Prudential Hong Kong Limited

Prudential has been serving the people of Hong Kong since 1964. Through Prudential Hong Kong Limited and Prudential General Insurance Hong Kong Limited, we provide a range of financial planning services and products including individual life insurance, investment-linked insurance, retirement solutions, health and medical protection, general insurance, and employee benefits to protect over 1.4 million customers in Hong Kong. In 2023, Prudential established its Macau branch to offer health insurance and financial solutions for the Macau community, completing its footprint in the Greater Bay Area. Please visit www.prudential.com.hk for more information.