This section presents the average annual charge as a percentage of the total premiums paid over 20 years for sample policy(ies) of Shareholder-backed Participating Plans currently available in Macau.

The average charge percentage of your policy may be different and is affected by several factors including, but not restricted to, the issued age, gender, smoking status, premium payment term, nationality and country of residence.

Please contact our Customer Service Hotline at (853) 8293 0833 for more details on the average charge percentage of your policy.

Prime Vantage Protector

Policy Currency

USD
Premium Payment TermSingle Pay
GenderMale

Issued Age (Age Next Birthday)

40

Smoking Status

Non-smoking

Sum Assured

USD 500,000
The average annual charge as a percentage of the total premiums paid over 20 years1.2%

 

Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.

PRUHealth Guardian Critical Illness Plan Series

Policy Currency

USD
Premium Payment Term20
GenderMale

Issued Age (Age Next Birthday)

40

Smoking Status

Non-smoking

Sum Assured

USD 125,000
The average annual charge as a percentage of the total premiums paid over 20 years0.4%

 

Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.

Prudential Enlight Savings Insurance Series

Policy Currency

USD
Premium Payment Term5
GenderMale

Issued Age (Age Next Birthday)

40

Smoking Status

Non-smoking

Notional Amount

USD 125,000
The average annual charge as a percentage of the total premiums paid over 20 years1.0%

 

Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 13 January 2026.

*Includes Prudential Enlight Savings Insurance and  Prudential Baby Enlight Savings Insurance

Prudential Entrust Multi-Currency Plan

Policy Currency

USD
Premium Payment Term5
GenderMale

Issued Age (Age Next Birthday)

40

Smoking Status

Non-smoking

Notional Amount

USD 125,000
The average annual charge as a percentage of the total premiums paid over 20 years1.0%

 

Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.

LiveFree Protector

Policy Currency

USD
Premium Payment Term20
GenderMale

Issued Age (Age Next Birthday)

40

Smoking Status

Non-smoking

Sum Assured

USD 125,000
The average annual charge as a percentage of the total premiums paid over 20 years0.4%

 

Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.

EasyWell Critical Illness Protector

Policy Currency

USD
Premium Payment Term26
GenderMale

Issued Age (Age Next Birthday)

40

Smoking Status

Non-smoking

Sum Assured

USD 125,000
The average annual charge as a percentage of the total premiums paid over 20 years1.0%

 

Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.

PRUHealth Critical Illness Extended Care III

Policy Currency

USD
Premium Payment Term20
GenderMale

Issued Age (Age Next Birthday)

40

Smoking Status

Non-smoking

Sum Assured

USD 125,000
The average annual charge as a percentage of the total premiums paid over 20 years0.4%

 

Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.

Evergreen Wealth Protector

Policy Currency

USD
Premium Payment Term5
GenderMale

Issued Age (Age Next Birthday)

40

Smoking Status

Non-smoking

Sum Assured

USD 125,000
The average annual charge as a percentage of the total premiums paid over 20 years0.7%

 

Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.

Prime Eternity

Policy Currency

USD
Premium Payment Term1
GenderMale

Issued Age (Age Next Birthday)

40

Smoking Status

Non-smoking

Sum Assured

USD 125,000
The average annual charge as a percentage of the total premiums paid over 20 years0.6%

 

Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.

Prudential Encash Hospital Cash Savings Insurance

Policy Currency

USD
Premium Payment Term20
GenderMale

Issued Age (Age Next Birthday)

40

Smoking Status

Non-smoking

Sum Assured

USD 125,000
The average annual charge as a percentage of the total premiums paid over 20 years0.9%

 

Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 July 2025.