Claims & Services

Medical Network - Cashless Service

The pre-authorisation cashless service makes it easy for you to plan medical expenses and enjoy cashless medical treatment at our medical network.

Benefit Highlights

Diverse medical network

Medical network covers 13 private hospitals, more than 300 network medical specialists, more than 40 days surgery centres and diagnostic imaging service centres. You can enjoy Cashless Service even if you receive designated day surgeries and diagnostic imaging test

Instant pre-authorisation in our medical network

If you receive medical treatment at medical network, our network medical specialist will help you submit the application for instant pre-authorisation for Cashless Service and you will receive pre-authorisation result immediately, providing you even more convenience

Hassle-free on medical expense and claim procedure

Prudential will settle the pre-approved medical expenses to the medical network provider in Hong Kong directly, so you don’t need to pay for the pre-approved medical expenses by yourself and worry about claim procedure

Waiver of credit card authorisation

Credit card authorisation for Cashless Service is waived for all covered medical plans. Credit card information is not required when you apply for pre-authorisation for Cashless Service

Remark: Cashless Service is only applicable to Covered Plans. Cashless Service is an administrative arrangement in respect of covered medical expenses incurred and is provided by third-party service providers. Prudential shall not accept any responsibility or liability for the services provided by the service providers.
Terms and conditions apply.

Medical Network -
Cashless Service Introduction

Simple steps to the "Instant pre-authorisation" Cashless Service in our medical network^{^}

Step 1

Instant pre-authorisation Step 1

Register a “H2P” number and make an appointment

Contact your financial consultant or call medical network pre-authorisation hotline^# at (852) 2281 1345 for “H2P” number registration
Login myPrudential, contact your financial consultant or call pre-authorisation hotline for the network doctor details

Step 2

Instant pre-authorisation Step 2

Register for consultation

Present your medical eCard, identification document, “H2P” number registration SMS upon visit to the network medical specialist
The network medical specialist will submit the application
Accept the terms & conditions via the link in SMS received
The pre-authorisation result will be provided immediately

Step 3

Instant pre-authorisation Step 3

Arrange cashless service

We will settle the pre-approved bill directly after you completed your medical treatment or diagnostic imaging test

Our Medical Network^{^} Cashless Service covers the following areas of treatment:

Day Surgeries and Hospitalisation
Diagnostic Imaging Test

Day surgeries and Hospitalisation

Below medical insurance plans can enjoy this value-added service.

Medical insurance plans applicable for Day Surgery Cashless Service includes:

Medical insurance plans applicable for Hospitalisation Cashless Service includes:

Covered day surgeries include:

Oesophago-Gastro Duodenoscopy (OGD) / Colonoscopy
Ophthalmology
Dermatology & Venereology

Otorhinolaryngology
Urology
Obstetrics & Gynaecology

Our network doctor would apply the cashless arrangement for you. Terms and conditions apply.

The approved amount is subject to the benefit limit of individual plan. Please refer to the benefit schedule of related plan for details.

Diagnostic imaging Test

Cashless service for diagnostic imaging test is applicable to PRUmed lifelong care plan, PRUHealth CoreChoice Medical Plan, PRUHealth FlexiChoice Medical Plan, PRUHealth VHIS EasyChoice Plan and PRUHealth VHIS VIP Plan. Covered tests include:

Magnetic Resonance Imaging

Magnetic Resonance Imaging
(MRI)

Computed Tomography

Computed Tomography
(CT)

Positron Emission Tomography

Positron Emission Tomography
(PET)

Our network centre would apply the cashless arrangement for you. Terms and conditions apply.

The approved amount is subject to the benefit limit of individual plan, please refer to the benefit schedule of related plan for details.

Diagnostic imaging test under Medical Network Cashless Service is only applicable in Hong Kong.

Useful Information

Customer Guide

Network medical centres in Hong Kong

Cashless Service at non-network hospitals

Applicable to PRUmyhealth prestige medical plan, PRUhealth medical plus and PRUHealth VHIS VIP plan

If you are covered by the below plans and are going to receive medical services from a doctor who is not in the Medical Network, you can enjoy our cashless service too. With our pre-authorisation, we will pay your eligible medical costs directly to private hospitals. You will also know in advance how we cover you before your visit and we will tell you any costs we don’t cover.

	PRUmyhealth prestige medical plan	PRUHealth VHIS VIP plan and PRUhealth medical plus
Feature	Available in most private hospitals of major cities around the world, including all of the private hospitals in Hong Kong and Macau.	Available in most private hospitals of major cities around Asia as well as Australia and New Zealand, and all of the private hospitals in Hong Kong and Macau.
Pre-authorisation hotline^#	(852) 2281 1180 (24-hour service)	(852) 2281 1345
Email Address	pre-auth.ppm.claims.hkg@prudential.com.hk	pre-auth_claims@prudential.com.hk

How to use cashless service at non-network hospitals:

Please download and fill in the pre-authorisation form part I by yourself.
If your attending doctor recommends hospitalization treatment, please ask your doctor to fill in the form part II.
Please email the form to us for approval at least 3 working days before admission. The pre-authorisation result will be provided in 3 working days.

Terms and conditions apply.

^{^}Medical Network is only available in Hong Kong.

^# You will be required to pay the IDD/international roaming service fee to the telecommunications service provider if you call from outside Hong Kong (including Macau).

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