What is PRUChoice Personal Accident Insurance?

  • Offer two personal accident products to suit your individual needs
  • PRUChoice Personal Accident: provides tailored coverage to protect you against unexpected financial expenses. 
  • PRUChoice Personal Accident Plus+: specially designed for both adults and juniors with comprehensive personal accident protection.

Benefits you can count on

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    Accidental death and permanent disablement protection

    Cover bodily injury caused by an accident that results in death or permanent disablement within 12 calendar months

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    Worldwide personal accident protection

    Worldwide personal accident protection where terrorist attack is also covered

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    Daily hospital cash for confinement due to accident

    Provide from the 3rd day up to 104 weeks if being hospitalized for medical treatment for over 2 consecutive days

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    Popular sports and activities covered

    Include hot-air ballooning, scuba diving (less than 45m depth), skiing, bungee-jumping, skydiving & more

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    Accidental Medical Expenses

    Cover your outpatient and inpatient, chiropractor, physiotherapy and occupational treatment expenses, as well as bone-setting, Chinese medication and acupuncture in Hong Kong

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    Double Indemnity benefit

    Provide double Accidental Death and Permanent Disablement benefit for accidents occurred whilst traveling in a public carrier as a fare-paying passenger

Download documents

Learn more


Check out the following

Benefits

Personal Accident

Personal Accident Plus

AdultJunior*
“Accidental Medical Expenses Benefit”✓✓✓
Extra protection for cycling, hiking and marathon--✓--
No Claim Benefits (NCB) / No Claim Premium RefundNCB; Transfer of NCBNo Claim Premium Refund every 3 years
Family discount✓✓✓
24 hours emergency assistance services✓✓✓
Educational expenses----✓
Kidnapping Benefit----✓
“Extra Indemnity Benefit for Student”+----✓

 

* This is applicable for unmarried, full-time students between the age of 15 days to 17 years.
+ For accidents occurred during school activities

Enjoy the discount when you insure with your spouse and/or children

PRUChoice Personal Accident and PRUChoice Personal Accident Plus are underwritten by Prudential General Insurance Hong Kong Limited (“Prudential”).

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. For further details, including the full terms and conditions of this plan, please ask Prudential for a sample of the policy document. In the event of any inconsistency between Chinese and English versions of all terms and conditions, the English version shall prevail.

The product features and premium of PRUChoice Personal Accident and PRUChoice Personal Accident Plus are only applicable to new application on or after 6 June 2025.

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