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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 up to a 20% premium refund

Terms and conditions apply

Learn more
limited offer

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

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Benefit you can count on

Care when you’re sick

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    Daily Hospital Cash Benefit

    Up to an individual benefit limit of USD 250 per day for a hospital stay

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    ICU Hospital Cash Benefit

    Up to an individual benefit limit of USD 250 per day for an intensive care unit (ICU) stay, on top of the Daily Hospital Cash Benefit

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    Long-term Illness Benefit

    Up to total 15% of your current sum assured for (i) First-in-market severe diabetes, (ii) severe dementia OR Parkinson’s disease and (iii) a long-term (more than 90 days) hospital stay

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    [Value-added service] SmartAppoint Service

    Designate your family member to file and access claims on your behalf if you become mentally incapacitated

    Find out more about SmartAppoint Service

Planning your future when you’re well

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    Choose a backup policyholder to keep the protection and savings going

    Choose your family member as the backup policyholder to carry on your policy in case the worst happens, if you are not the person the plan covers (the life assured)

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    Long-term savings

    Build your savings with the guaranteed cash value and a non-guaranteed terminal bonus

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    Protect your family if the worst happens

    Up to 100% of your current sum assured and any terminal bonus as the death benefit. Choose how you want us to pay it - as a lump sum, in monthly instalments, a mix of both or via our <New-to-market> FlexLegacy

    Explore application examples of the Death Benefit Settlement Options

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.

Our statement about the plan’s FlexLegacy being ‘new-to-market’ refers specifically to its feature allowing the commencement of death benefit payments upon designated life events rather than solely upon a designated age. We base the statement on our understanding and interpretation of current market information regarding other publicly available savings and life insurance plans issued by major Hong Kong and Macau life insurance companies for individual customers, as at 30 November 2025.

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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.

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 the product brochure. 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.

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