PRUChoice Hong Kong Stay

The protection needs of newcomers to Hong Kong may differ from those of local residents, mainly because newcomers are at an early stage of adapting to life in Hong Kong and may still be familiarising themselves with the local healthcare system, scope of insurance coverage, living arrangements and family support network.

Compared with local residents, newcomers may need to consider whether they have adequate protection when seeking medical consultation, being hospitalised or receiving treatment in Hong Kong. They may also have a greater need for protection that addresses their needs during the initial stage of settling in Hong Kong, such as coverage for the educational expenses of an insured child and emergency visits to the location of original residence following an accident involving a close relative.

Whether newcomers to Hong Kong need medical insurance and accident protection should be assessed based on their existing protection, personal and family needs, and affordability.

According to Prudential's “Arriving Talent Deep-Dive Study”¹ , 80% of the surveyed newcomers migrating to Hong Kong had purchased or were considering purchasing insurance because of their medical and healthcare needs. Medical insurance and accident protection are common protection needs among newcomers to Hong Kong. When selecting medical insurance, newcomers may compare the scope of coverage offered by different plans according to their personal and family needs.

PRUChoice Hong Kong Stay Insurance provides both Hospitalisation Expenses and Accident Protection. The maximum limit for Accident Protection is HK$520,000 per year, providing support and helping the insured person cope with medical expenses arising from an accident or illness in Hong Kong. 

PRUChoice Hong Kong Stay Insurance is Hong Kong’s first² insurance plan specifically designed for newcomers to Hong Kong and their families. It provides a range of protection that addresses their needs during the initial stage of settling in Hong Kong, including accident, medical and Hong Kong residence protection.

Together with the lifestyle, financial planning, further education and settling-in information available through the PruLivingHK, the plan helps newcomers adapt to and integrate into life in Hong Kong with greater peace of mind.

PRUChoice Hong Kong Stay Insurance provides basic coverage for Accident Protection, Hospitalisation Expenses, Hong Kong Residence Protection, Compassionate Visits to the location of original residence and the Educational Expenses of an insured child.

Customers may also select the optional Outpatient Expenses coverage, which covers general practitioner and specialist consultation fees in Hong Kong, as well as the cost of prescribed medication, X-rays and laboratory tests. The plan provides newcomers with protection for their everyday needs during the initial stage of settling in Hong Kong.

PRUChoice Hong Kong Stay Insurance provides Hospitalisation Expenses coverage. It covers the necessary and reasonable medical expenses of hospitalisation*, surgery, including surgery performed at a hospital, day surgery centre or clinic, medical appliances, and emergency ambulance transportation to a registered medical institution, incurred as a result of bodily injury sustained from an accident or illness contracted in Hong Kong.

The plan also offers optional Outpatient Expenses coverage. Customers are not restricted to attending a designated medical network and may freely choose general practitioners and specialists in Hong Kong according to their needs, providing newcomers with more flexible medical protection during the initial stage of adapting to life in Hong Kong.

PRUChoice Hong Kong Stay Insurance provides Accident Protection specifically for newcomers to Hong Kong. It provides full coverage for accidental death, total permanent disablement, and total permanent loss of limb or sight as a direct result of an accident occurring in Hong Kong.

If the insured person dies as a result of an accident occurring in Hong Kong, the plan also provides Repatriation of Mortal Remains/Ashes to the location of original residence.

If a close relative^# of the insured person dies as a result of an accident or suffers total permanent disablement due to an accident in the location of original residence, the plan may, subject to its terms, cover the cost of a round-trip transportation ticket for the insured person’s short-term visit to the location of original residence.

PRUChoice Hong Kong Stay Insurance provides Educational Expenses coverage. If an insured child is hospitalised for treatment due to bodily injury sustained from an accident or illness in Hong Kong, the plan may, subject to its terms, reimburse the irrecoverable cost of school fees, student service vehicle, extracurricular activities expenses and language learning course fees.

The coverage also includes the irrecoverable expenses of a pre-arranged activity that the insured person is unable to attend during the insured child’s hospital stay.

PRUChoice Hong Kong Stay Insurance also provides Hong Kong Residence Protection. If the insured person’s Hong Kong residence becomes uninhabitable for over 24 consecutive hours as a result of fire, flood or natural disaster, the plan provides a cash allowance of HK$500 per day for accommodation.

Apart from insurance protection, Prudential provides practical information on lifestyle, financial planning, further education, settling in Hong Kong and developing a career in Hong Kong through the PruLivingHK. The platform also provides customer-exclusive³ offers and value-added services to help newcomers integrate into life in Hong Kong.

Newly arrived professionals, such as persons admitted to Hong Kong through the Quality Migrant Admission Scheme or talent admission schemes for professionals, may first review employer benefits such as group medical coverage. They may then assess their insurance needs based on their personal protection needs, affordability and risk tolerance.

For example:

• Medical insurance may help cover eligible medical expenses arising from a covered illness or accident.
• Life insurance may provide financial support to the beneficiary if the insured person dies and the applicable policy terms are satisfied.
• Accident insurance may help address death, disablement or other specified risks arising from a covered accident.
• Home insurance may provide coverage for household contents and personal liability, reducing financial losses arising from accidents or natural disasters.
• Maid Insurance may cover outpatient consultation, hospitalisation and surgery expenses relating to a domestic helper, helping customers fulfil their legal responsibilities as employers.
• Motor insurance may provide basic protection for everyday driving and help customers cope with unexpected incidents.

The actual coverage, eligibility, exclusions, limits and terms vary among insurance products. Customers should review the relevant product brochure, policy provisions, terms and conditions before making a decision.

The above information is for reference only and not to be used as a basis of any decision making. Your decision should be based on your actual situation or needs. The above information does not constitute any contract or any recommendation of any insurance product.

For full terms and conditions, risk disclosures and key exclusions (if any) of the relevant insurance plan, please refer to the relevant product brochure and policy document and read them carefully.  For further details and the full terms and conditions of these plans, please ask Prudential for a sample of the policy document.

¹ Prudential’s “Arriving Talent Deep-Dive Study” was conducted in Hong Kong in September 2025 through an online survey. The study interviewed 500 respondents aged between 18 and 65 who had relocated to Hong Kong from the Chinese mainland within the previous seven years through various talent admission schemes or the One-way Permit Scheme.

² The statement regarding “first-in-market” is based on our understanding and assessment of available market information, and on a comparison of general insurance protection plans among major insurance companies in Hong Kong as of 25 August 2026

³The offers, privileges and/or activities under the Exclusive Offers and Value-added Services Platform are provided by independent third-party product or service suppliers and are subject to the relevant terms and conditions. For details, please refer to the relevant promotional webpage on Prudential’s official website or contact your financial consultant.

* Including but not limited to room and board, miscellaneous charges, physician and anesthetist's fee, 1 pre-admission & 1follow-up outpatient care, etc.