
Prudential Encash Hospital Cash Savings Insurance
The first-in-market hospital cash plan to offer whole-life protection with growth opportunities for your money. With this plan, you’re not just protecting your lifelong health – you’re investing in your future financial security
Double up the health protection, double the premium refund!
Enrol to enjoy up to a 20% basic premium refund, plus up to an extra 20% premium refund for all existing and new Prudential critical illness plan customers!
Learn more: Hong Kong customers | Macau customers
How does the plan work?
Discover how this plan can actively support your recovery if you’re sick and grow your long-term savings, too
Care when you’re sick
Planning your future when you’re well
We base our statements that the plan is the “first-in-market” hospital cash plan to offer whole life protection with growth opportunities for your money on our understanding and interpretation of current market information regarding hospital cash protection basic plans that provide daily hospitalisation cash benefits, issued by major Hong Kong and Macau life insurance companies for individual customers, as at 28 May 2025.
Our statements about the plan’s Severe Diabetes lump sum benefit being “first-in-market” refer to the lump sum benefit it provides if the life assured is diagnosed with severe type 2 diabetes without diabetic complications. We base the statements on our understanding and interpretation of current market information on basic plans which provide a lump sum benefit, if the life assured is diagnosed with certain disease conditions, issued by major Hong Kong and Macau life insurance companies for individual customers as at 28 May 2025.
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Important Information
Please also refer to our brochure on Shareholder-backed Participating Plan (Hong Kong Edition/Macau Edition) for more information (such as investment philosophy and bonus philosophy) on your Shareholder-backed Participating Plan and the operation of the Shareholder-backed Participating Fund.
Applications for exercising the above benefits or options, or changing the life assured or policyholder, are subject to our approval and may affect the plan’s other benefits or options.
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.
Notes
Prudential Encash Hospital Cash Savings Insurance is 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 this document. 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 and Macau only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong and Macau. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong and Macau where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.
Useful links
- Understanding Prudential Shareholder-backed Participating Plans (Hong Kong Edition/Macau Edition)
- Investment mix (Hong Kong Edition/Macau Edition)