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Medical | Health Insurance

PRUmed lifelong care plan

Core cover for private medical treatment - lifetime renewable
Enrol to enjoy 50% premium refund
Terms and conditions apply
Learn more

Extra features

  • Tailor your extra coverage with PRUmed major

    You can add the PRUmed major to the PRUmed lifelong care plan by paying additional premiums. This gives you the benefits of PRUmed major (classic) as well as PRUmed network care.

  • Extra cover to strengthen your protection

    We provide compassionate death benefit and accidental death benefit.

Value-added services to enhance your protection

Cashless Service
for hospitalisation, day surgeries and diagnostic imaging tests

Choose the most appropriate doctor from our medical network in Hong Kong. With our pre-authorisation, we’ll pay your eligible medical costs directly to private hospitals, our network medical centres or network imaging centres in Hong Kong.

Find out more about Cashless Service for hospitalisation, day surgeries and diagnostic imaging tests

Note: Cashless Service for hospitalisation, day surgeries and diagnostic imaging tests does not form part of the plan.

Cashless Service for hospitalisation, day surgeries and diagnostic imaging tests is provided by our designated third-party service provider. We maintain sole discretion to change the scope of the service and the service provider from time to time without advance notice. We may also cease and/or suspend the service at our sole discretion.

Medical Green Channel

This service offers you:

  • Priority booking for outpatient and/or hospitalisation appointment at Medical Green Channel’s selected hospitals in Mainland China
  • Dedicated case manager to follow up on your entire service journey
  • Escort staff to assist you on the registration process for outpatient and/or hospitalisation service on your treatment day

Find out more about Medical Green Channel

Note: Medical Green Channel service does not form part of the plan.

Medical Green Channel service is provided by our designated third-party service provider. We maintain sole discretion to change the scope of the service (including the list of Medical Green Channel hospitals) and the service provider from time to time without advance notice. We may also cease and/or suspend the service at our sole discretion.

SmartAppoint Service

This service enables you to set up an instruction for a designated family member in advance to file and access claims on your behalf if you become mentally incapacitated, providing you with immediate financial relief, just when it matters the most.

Find out more about SmartAppoint Service

Note: SmartAppoint Service does not form part of the plan.

24-hour Worldwide Emergency Assistance Services

This service offers you emergency evacuation and repatriation cover if you suffer from a serious injury or illness overseas.

Find out more about 24-hour Worldwide Emergency Assistance Services

Note: 24-hour Worldwide Emergency Assistance Services does not form part of the plan.

24-hour Worldwide Emergency Assistance Services is provided by our designated third- party service provider. We maintain sole discretion to change the scope of the service and the service provider from time to time without advance notice. We may also cease and/or suspend the service at our sole discretion.

Learn more

Important information

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

PRUmed lifelong care plan 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 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.