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Beware of Website Scam: Prudential wishes to draw the public's attention to a fraudulent website (www[.]prudeix[.]com). Prudential confirms that this website is not owned by us and we strongly advise the public not to click on the link or provide any personal information.

Prudential Hong Kong reminds everyone to remain vigilant at all times. Do not click on any suspicious link that do not come from our official domain name, "www.prudential.com.hk".
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Security Alert: Beware of bogus SMS. Prudential will only send SMS to Hong Kong mobile number using a Registered SMS Sender ID that starts with "#Prudential". If you receive any suspicious SMS or links pretending to be from Prudential, please do not reply, click, or open any links in the SMS.
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Beware of Email Scam: Prudential wishes to draw the public’s attention to a phishing email sent from a fraudulent email address (info@prudentiai-hk[.]site), which contains a link that redirects recipients to the fraudulent website (hxxps://prudential-hk[.]site/). This email asks recipients to click on "Confirm Refund" and provide personal information. Prudential confirms that this email was not sent by us and did not induce customers to provide personal information. We strongly advise the public not to click on the link or provide any personal information.

Prudential Hong Kong reminds everyone to remain vigilant at all times. Do not respond to any suspicious emails or messages that do not come from our official domain name, “@prudential.com.hk”.

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Limited offer

Enrol to enjoy a 50% premium refund

Terms and conditions apply

Learn more

Exclusive offer*:

Civil servants and non-civil servants employed by the government and their families can enjoy another extra 10% premium refund!

Terms and conditions apply

Learn more

*Applicable to customers who enrol a basic plan through designated sales channel(s)

Benefits you can count on

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    No lifetime benefit limit

    Cover eligible medical expenses worldwide up to the itemised limits and an annual limit of HK$420,000, taking care of you from diagnosis to recovery

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    Immediate cover – no waiting period

    Protect you as soon as your plan takes effect (except cover for unknown pre-existing conditions including unknown congenital conditions)

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    Guaranteed renewal up to age 100, accompanying your health journey

    Regardless of any change in your medical or claims history

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    Cover unknown pre-existing and congenital conditions

    Fully cover eligible claims arising from these conditions after the specified period

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    Extra cancer protection

    Cover prescribed non-surgical cancer treatments, including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy, as an in-patient or at a clinic

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    Know in advance how much you can claim towards treatment

    Project how much you can claim under the plan before you receive any treatment at private healthcare facilities

Tax deductions on your qualifying premiums

Tax deductions on your qualifying premiums

If you are a Hong Kong taxpayer, you can claim a concessionary deduction under salaries tax or personal assessment for the qualifying premiums you pay for yourself or your loved ones under the VHIS in Hong Kong. You can apply for tax deductions on your qualifying premiums of up to HKD 8,000 per life assured per year, and there is no limit on the number of specified family members you can claim for tax deductions.

For more information on concessionary tax deductions, please refer to an illustration or the Inland Revenue Department.

Dedicated value-added services

Medical Green Channel – Get priority booking for outpatient and/or hospitalisation appointments at selected hospitals in Mainland China

Treatment Sure – Get back on the road to health with personalised medical advice from global experts

Medical Expenses Direct Billing Service for hospitalisation, day surgeries and diagnostic imaging tests

SmartAppoint Service – Set up an instruction for a designated family member in advance to file and access claims on your behalf if you become mentally incapacitated

24-hour Worldwide Emergency Assistance Services

Note: Medical Expenses Direct Billing Service for hospitalisation, day surgeries and diagnostic imaging tests, Medical Green Channel, Treatment Sure and 24-hour Worldwide Emergency Assistance Services do not form part of the plan.

Download documents

Learn more

For new application or renewal from 5 Jan 2021

S00026-01-000-02

For effective date or renewal before 5 Jan 2021

S00026-01-000-01

 

Any general tax information provided above is for reference only. Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We do not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Further information on tax concessions applicable to VHIS may be found at https://www.vhis.gov.hk/en/. 

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 of PRUHealth CoreChoice Medical Plan. For information on premiums, please refer to the premium tables.

 

PRUHealth CoreChoice Medical Plan is underwritten by Prudential Hong Kong Limited (“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 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 only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

 

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