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Claims & Services

Medical Network - Medical Expenses Direct Billing Service
(Previously known as “Cashless Service”)

The pre-authorisation medical expenses direct billing service makes it easy for you to plan medical expenses and enjoy direct billing medical treatment at our medical network.
Medical Network - Cashless Service

Medical Network - Medical Expenses Direct Billing Cancer Treatment Service in Hong Kong and Greater Bay Area

Service Features

  • Medical network has been extended to include Oncology specialty. Eligible customers could choose to receive cancer treatment at designated medical centre in Hong Kong or the Greater Bay Area to use the Medical Expenses Direct Billing Service.

  • Under the "Cancer Patients Shared Care" model^ which allows customers to receive support through face-to-face medical consultation or remote video consultation from designated medical centres (please check with our network medical specialist list) during their cancer treatment.

保誠醫療保險為您提供住院保障

^ Operated by attending doctors and healthcare professionals from both regions, the "Cancer Patients Shared Care" model aims to provide coordinated and patient-centred healthcare services throughout the entire cancer treatment process. Medical centres in Hong Kong and GBA will collaborate in developing treatment plans for patients in need. Eligible Prudential customers can choose to receive cancer treatment services from designated medical centre in Hong Kong or GBA, to gain support from both oncology centres during their cancer treatment journey through face-to-face medical consultation or remote video consultation.

Remark: Medical Expenses Direct Billing Service is only applicable to Covered Plans. Medical Expenses Direct Billing 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.

Simple steps to the "Instant pre-authorisation" Medical Expenses Direct Billing Service in our medical network

 

 

Step 1

Instant pre-authorisation Step 1

 

Make an appointment for network doctor and register a “H2P” number
  • Call medical network booking and pre-authorisation hotline# at (852) 2281 1345 for network doctor booking and “H2P” number registration ; or
  • Contact your financial consultant for “H2P” number registration and make an appointment for network doctor

 

 

Step 2

Instant pre-authorisation Step 2

 

Register for consultation
  • Present your medical eCard, identification document, “H2P” number registration SMS or doctor booking 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 medical expenses direct billing service
  • We will settle the pre-approved bill directly after you completed your medical treatment or diagnostic imaging test

 

 

Our Medical Network Medical Expenses Direct Billing Service covers the following areas of treatment:

 

 

Day surgeries and Hospitalisation

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

Medical insurance plans applicable for Day Surgery Medical Expenses Direct Billing Service includes:

 

Medical insurance plans applicable for Hospitalisation Medical Expenses Direct Billing Service includes:

 
Covered day surgeries include:
  • Oesophago-Gastro Duodenoscopy (OGD) / Colonoscopy

  • Ophthalmology

  • Dermatology & Venereology

  • Otorhinolaryngology

  • Urology

  • Obstetrics & Gynaecology

 

Our network doctor would apply the medical expenses direct billing service 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

Medical expenses direct billing 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 medical expenses direct billing service 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.

Medical Expenses Direct Billing 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 medical expenses direct billing 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.

Plan
name

  • PRUmyhealth prestige medical plan
  • PRUHealth VHIS VIP Plan – worldwide except USA
  • PRUhealth medical plus*
  • PRUHealth VHIS VIP Plan – Asia / worldwide except USA
  • PRUhealth medical plus

Incident location

Worldwide

Outside Asia (including Australia and New Zealand)

Asia (including Australia and New Zealand)

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 medical expenses direct billing service at non-network hospitals:
  1. Please download and fill in the pre-authorisation form part I by yourself.
  2. If your attending doctor recommends hospitalization treatment, please ask your doctor to fill in the form part II.
  3. 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. 

* Applicable to new policies effective from 1 October 2023; or existing policies renewed on or after 1 October 2023. For details, please refer to benefit schedule.

# 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).