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How to pay for your general insurance

We offer a variety of convenient payment options to suit your needs

For further information, please contact your financial consultant or call our customer service hotline at (852) 3656-8362.

Payment methods

Crossed cheque

We accept HKD crossed cheques. The cheque should be payable to "Prudential General Insurance Hong Kong Limited. Please write down the name of the policyowner, the policy number and the premium amount on the back of the cheque.

This method is applicable to all insurance product(s) of Prudential General Insurance Hong Kong Limited.

Crossed cheques can be mailed together with the completed application form and addressed to:

Prudential General Insurance Hong Kong Limited
3/F, Berkshire House,
25 Westlands Road,
Quarry Bay, Hong Kong

Note:

  • Please do not send us cash, post-dated cheques or e-Cheques.

  • The maximum payment limit is subject to the account balance of the client’s current account.
Bank of China (BOC) Cheque Deposit Machine

You can make your payment via Bank of China cheque deposit machines, by depositing crossed cheques in HKD issued by Hong Kong banks. This method is applicable to all insurance product(s) of Prudential General Insurance Hong Kong Limited.

Note:

  • Please state clearly the policyholder name, policy number and the contact telephone number at the back of the cheque.

  • You can only pay for one item per policy with each cheque.

  • If you do not follow the guidelines set by our company, you may potentially suffer from losses due to overdue payments.

  • This service is not applicable for depositing cheques into the Drop In Box of Bank of China (Hong Kong).

  • The maximum payment limit is subject to the account balance of the client’s current account.

 

Steps to access the cheque deposit machine:

  1. Press “Start” on the screen and select your display language.

  2. Select “Bill Payment Service”.

  3. Select Merchant Category (“Insurance” / “Pension”).

  4. Select Merchant (“Prudential - General Insurance”).

  5. Select Bill Payment type (“01 - General Insurance – Premium”).

  6. Key in Billing Number (i.e. Policy Number: the 12-digit number which starts with 9).

  7. Enter the total amount of the cheque.

  8. Insert the unfolded cheque into the cheque insertion slot.

  9. The transaction is completed. Please take the customer advice slip.
 Internet banking

This method is applicable to all insurance product(s) of Prudential General Insurance Hong Kong Limited. The maximum payment limit is subject to the account balance of the client’s account.
Your premium may be settled through internet banking bill payment services offered by the following banks:

  • AEON Credit Service

  • Bank of China

  • Bank of Communications

  • Bank of East Asia

  • China Construction Bank

  • Chong Hing Bank

  • Citibank

  • China CITIC Bank International

  • Dah Sing Bank

  • DBS Bank

  • Fubon Bank

  • Hang Seng Bank

  • HSBC

  • Shanghai Commercial Bank

  • Standard Chartered Bank

  • Wing Hang Bank

  • Wing Lung Bank

 

Merchant category

Insurance or Pension Service

Merchant name

Prudential Hong Kong Limited

Bill type

05 – General Insurance

Bill account number

Policy Number: the 12-digit number which starts with 9

Payment amount

Premium amount due in HKD


Note:

  • Please allow 3 working days for payment processing.
ATM (JETCO)

Merchant code

9228

Bill type

11 – General Insurance

12 – Employee Benefits

Bill account number

Policy Number: the 12-digit number which starts with 9

Payment amount

Premium amount due in HKD

Steps:

Note: 

Please allow 3 working days for payment processing.

  1. Select "Bill Payment".

  2. Select "Enter merchant code".

  3. Enter merchant code "9228", then press "Enter".

  4. Enter bill type and press "Enter".

  5. Key in the 12-digit Policy Number for Billing Number and press "Enter".

  6. Key in the amount and press "Enter".

  7. Review and confirm the payment.

 Credit card

This service is applicable for the following PRUChoice products only: 

  • PRUChoice Personal Accident

  • PRUChoice Motor

  • PRUChoice Personal Accident Plus

  • PRUChoice Golfers

  • PRUChoice Medical

  • PRUChoice China Accidental Emergency

  • PRUChoice Travel

  • PRUChoice HealthCheck

  • PRUChoice Maid

  • PRUChoice HealthCare

  • PRUChoice Home

  • PRUChoice MediExtra

  • PRUChoice Clinic

  • PRUChoice Home Deluxe

  • PRUChoice Home Landlord

  • PRUChoice Travel Working Holiday

  • PRUChoice Travel Overseas Study

  • PRUChoice China Protection

  • PRUChoice Cruise Travel

 

* Credit card payment is available for PRUeShop only


Note:

  • Only one credit card can be used to make payment for each application or policy. The client must provide the credit card holder’s name, credit card number and the expiry date.

  • The transfer date for credit cards is on the 6th of each month. If the debit date falls on Saturday, Sunday or a Hong Kong public holiday, it will be postponed to the next business day. Generally speaking, banks will process your transfer on our specified debit dates, but there may be delays due to internal arrangements of individual banks. To ensure successful transfers, please reserve sufficient credit in your credit card account before and after the above-mentioned debit days in case the bank postpones our scheduled debit days.

Autopay

This service is applicable for the following PRUChoice products only:

  • PRUChoice Personal Accident

  • PRUChoice Personal Accident Plus

  • PRUChoice Medical

  • PRUChoice MediExtra

     

If you’ve chosen a yearly payment mode, please submit a cheque for your 1st year’s premium to allow the activation of the autopay service.
If you’ve chosen a monthly payment mode, please submit a cheque for first 2 months’ premium to allow the activation of the autopay service.
The transfer date for autopay is on the 6th of each month. If the debit date falls on Saturday, Sunday or a Hong Kong public holiday, it will be postponed to the next business day. Generally speaking, banks will process autopay on our specified debit dates, but there may be delays due to internal arrangements of individual banks. To ensure successful autopay, please reserve a sufficient amount in your bank account before and after the above-mentioned debit days, in case the bank postpones our scheduled debit days.

PPS

Merchant code

6555

Bill type

01 - General Insurance Premium

02 - Group Medical Premium

Bill account number

Policy Number: the 12-digit number which starts with 9

Payment amount

Premium amount due in HKD

Note:

  • Please allow 3 working days for payment processing.
Payment by cash at 7-Eleven

You can make your payment by presenting a Debit Note at any 7-Eleven convenience stores in Hong Kong. Please present the QR code printed on the Debit Note for payment in cash and retain your receipt for payment record.

  • This service is only applicable for personal insurance products.

Third party payment is not allowed unless the payer is a designated group of third parties (i.e. spouse / parent / child / sibling / grandparent / grandchild   / parents-in-law / legal guardian), designated by the Proposer / Policyowner / Life Assured, and the payment is submitted together with a "Third Party Payment Declaration Form" duly signed by the payer and the Proposer / Policyowner / Life Assured.
If the amount of the third party payment is over the designated amount, the payor has to submit the "Third Party Payment Declaration Form", relationship proof and / or identity document of the payor. 

For payment to an individual policy by company cheque / cashier order / bank draft or telegraphic transfer payment / local telegraphic transfer payment remitted from a company account, the company must be solely / partially owned by the Proposer/ Policyowner / Life Assured or their spouse, parents or children. Please provide (i) a copy of the Business Registration Certificate or Certificate of Incorporation and (ii) a copy of the latest Annual Return. For a partially owned company, the payor also has to submit supporting documents with consent from the directors (e.g. board minutes). Third party payment is subject to terms and conditions. Please refer to the "Third Party Payment Declaration Form" for details. 

United States Dollar policies (USD policy) can accept payments paid in United States Dollars (USD) or Hong Kong dollars (HKD) only. Hong Kong Dollar policies (HKD policy) can accept payments paid in Hong Kong dollars only. The payment currency of Renminbi (RMB) policies is subject to the terms and conditions of the individual schemes.

For further enquiries, please contact your financial consultant or call us on our customer service hotline at (852) 2281 1333.

Frequently asked questions

Any special restrictions for payment by cheques?

Regardless of which method you use to hand in the cheque, these restrictions apply.

  • Financial consultants cannot issue the cheques. Unless he / she is the customer himself / herself, or the financial consultant is a direct relative to the policyholder and can provide associated proof of document (e.g. copies of birth certificate / marriage certificate) or a letter of authorisation.
  • A cheque issued by a third-party is not acceptable. Unless the payee is a direct relative of the policyholder and can provide associated proof of document (e.g. copies of birth certificate / marriage certificate), with a “third party authorization letter” signed by the payee and the policyholder. If the cheque is over HK$200,000, the payee must also submit his / her copies of HKID, passport and visa support.
  • Companies cannot issue cheques unless the company is the policyholder.
  • Dated cheques / one cheque to settle different policies under different policyholders’ names are also not acceptable.
  • Any payment should not be placed into the Drop In Box. If you've accidentally placed your payment into such a box, you're fully responsible to alert the staff within the branch.

 

In addition, if under one policy with 2 separate payment items, i.e. renewal premium and Loan repayment, customer is required to pay the related premium via 2 individual cheques. If for instance, a customer pay more than one item using only one cheque, system will not be able to split the payment by item. In this case, customers may suffer from subsequent loss due to delay in payment.

What should I note when depositing cheques?
  • Make sure you put the correct payee name on the cheque. For life insurance plans, please make the cheque payable to "Prudential Hong Kong Limited". For general insurance plans, please make the cheque payable to "Prudential General Insurance Hong Kong Limited".
  • Deposited cheques must be verified and approved to be valid.
  • When depositing cheques, please do not attach the cheque with other paper, paper clips, elastic bands etc.
  • Insert the unfolded cheque into the cheque insertion slot.
  • Place the front of cheque facing the top when inserting the cheque and place the section with signature to the right hand side of the cheque insertion slot.
When will my cheque payment reflect in my account?

If you've completed your cheque deposit before the payment cut off time, the transaction will be reflected in your policy account on the following working day. Cheques deposited from Monday to Friday (after 5 p.m.) including Saturdays or Sundays, and public holidays will be handled on the next working day.