PremierFlex Medical Plan

During the sales process, this document should be read in conjunction with the relevant product brochure. For full terms and conditions, and risk disclosures of the relevant insurance plan, please refer to relevant product brochure and policy document and read carefully.

PremierFlex Medical Plan and the Outpatient Care Benefit are underwritten by Prudential Hong Kong Limited or Prudential Hong Kong Limited (Macau Branch) (“Prudential”). You can always choose to take out this plan as a standalone plan without enrolling with other type(s) of insurance product at the same time, unless such plan is only available as a supplementary benefit which needs to be attached to a basic plan. This document does not contain the full terms and conditions of this plan and is for reference only. It does not represent a contract between Prudential and anyone else. You should read carefully the risk disclosures and key exclusions (if any) contained in the product brochure. For further details, including procedures for making claims and terminating policies and the full terms and conditions of this plan, please ask Prudential for a sample of the policy document.

Prudential has the right to accept or decline any application based on the information provided by the policyholder and / or life assured in the application.

Please cross your cheque and make it payable to “Prudential Hong Kong Limited”.

This document is for distribution in Hong Kong or Macau only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong or Macau. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong or Macau where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

If your chosen plan includes the Greater China when you purchase the insurance, you will be covered for medical treatment in mainland China (including Shenzhen). You can enjoy a standard single room in a public hospital (including eligible wards in the Special Needs and International Departments) and experience high-quality medical services.

You can also choose to purchase additional outpatient benefits - “Outpatient Care Benefit", based on your personal needs. This will allow you to receive appropriate outpatient treatment in Shenzhen whenever necessary, providing extra peace of mind.

If you are in mainland China (including Shenzhen), you can use the "24/7 Telemedicine" service on HealthCare+ (a third-party electronic platform linked to Prudential's official WeChat account). This provides access to get virtual consultations and prescribed medication from registered doctors there together with medication delivery.

For details, please refer to the product brochure or your policy documents.

Yes, this plan can be used for treatment in Grade 3A hospitals. Through HealthCare+, this plan offers exclusive value-added services including a medical green channel in mainland China, second medical opinion, and medical expenses direct billing.

The China Medical Green Channel covers over 1,700 Grade 3A hospitals across approximately 300 cities in over 30 provinces or municipalities. If you need to make an appointment with a specific doctor, we will assist in arranging it. We also provide an accompanying person on the day of your visit to help with registration, accompany you during examinations, and queue for medication. This service is applicable to both outpatient and inpatient services.

The Second Medical Opinion service is available in mainland China (including experts from Grade 3A hospitals) and applies to all non-emergency medical conditions.

Medical Expenses Direct Billing is applicable at designated public hospitals of Grade 2A or above or other medical institutions within the direct billing network in mainland China. You will not need to pay upfront for approved medical expenses within the coverage, freeing you from cash flow worries and allowing you to focus on your treatment.

For details, please refer to the product brochure or your policy documents.

Yes, our PremierFlex Medical Plan offers Greater Bay Area cross-border cancer treatment medical and direct billing services.

Through the collaboration between Hong Kong Integrated Oncology Centre and Zhongshan Chenxinghai Hospital of Integrated Traditional Chinese and Western Medicine, we provide seamless cross-border medical connection, ensuring you can receive the best medical services when needed.

For details, please refer to the product brochure or your policy documents.

The deductible (also known as the excess) for the Premierflex Medical Plan is the amount you need to pay out-of-pocket for eligible medical expenses in each policy year before the plan starts to cover any claims. The deductible automatically resets on each policy anniversary, allowing you to utilize the coverage again from the beginning of the new policy year.

This plan offers four plan levels, each with different coverage areas. The deductible for Plan 1 is the default option. For Plans 2 to 4, you can choose from the following options:

For details, please refer to the product brochure or your policy documents.

Yes, the PremierFlex Medical Plan guarantees your lifetime annual renewal. Even if your health condition changes, or you need to make a claim under the PremierFlex Medical Plan, we still guarantee to renew your plan annually. We will regularly review the premium and may adjust your premium upon renewal based on our premium rates.

For details, please refer to the product brochure or your policy documents.

The PremierFlex Medical Plan provides coverage for health check-ups. As a "Prevention Benefit”, this plan offers health check-ups or vaccinations to the insured, allowing you to take proactive measures for your health. In the year immediately following every second policy anniversary renewal (i.e., in the 3rd, 5th, 7th, etc. policy year), you can choose to receive any one of the following health check-ups or vaccinations, and we will cover the eligible expenses once:

Health Screening

Vaccinations

Benefit Limits

The benefit limit for health screenings varies depending on the plan you have purchased. The following are the benefit limits for each relevant policy year:

For details, please refer to the product brochure or your policy documents.