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.
Policy Currency | USD |
| Premium Payment Term | Single Pay |
| Gender | Male |
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 years | 1.2% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 Apr 2026.
Policy Currency | USD |
| Premium Payment Term | 20 |
| Gender | Male |
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 years | 0.5% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 Apr 2026.
*Includes PRUHealth Guardian Critical Illness Insurance Plan and PRUHealth Baby Guardian Critical Illness Insurance Plan
Policy Currency | USD |
| Premium Payment Term | 5 |
| Gender | Male |
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 years | 0.9% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 24 Aug 2026.
Policy Currency | USD |
| Premium Payment Term | 5 |
| Gender | Male |
Issued Age (Age Next Birthday) | 1 |
Smoking Status | Non-smoking |
Notional Amount | USD 125,000 |
| The average annual charge as a percentage of the total premiums paid over 20 years | 0.9% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 Apr 2026.
*Includes Prudential Enlight Savings Insurance and Prudential Baby Enlight Savings Insurance
Policy Currency | USD |
| Premium Payment Term | 5 |
| Gender | Male |
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 years | 1.1% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 May 2026.
Policy Currency | USD |
| Premium Payment Term | 26 |
| Gender | Male |
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 years | 1.0% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 Apr 2026.
Policy Currency | USD |
| Premium Payment Term | 20 |
| Gender | Male |
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 years | 0.4% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 Apr 2026.
Policy Currency | USD |
| Premium Payment Term | 1 |
| Gender | Male |
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 years | 1.5% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 20 May 2026.
Policy Currency | USD |
| Premium Payment Term | 20 |
| Gender | Male |
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 years | 0.9% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 1 Apr 2026.
Policy Currency | USD |
| Premium Payment Term | 20 |
| Gender | Male |
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 years | 0.7% |
Note: The average annual charge as a percentage of total premiums paid over 20 years is prepared as of 29 April 2026.
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