Group Medical & Group Life

PRUchoice Group Medical Insurance – PrimeCare Scheme is designed to meet the needs of selected corporate client operating in Hong Kong with 10 or more employees, by providing your employees and their dependants (where appropriate) with comprehensive cover.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

Note: The details listed are for reference only and does not constitute any contract or any part thereof between Prudential General Insurance Hong Kong Limited and any other parties. Regarding other details and the terms and conditions of this insurance, please refer to the policy document. Prudential General Insurance Hong Kong Limited will be happy to provide a specimen of the policy document upon your request.

Features
  1. Comprehensive Worldwide Cover
    Comprehensive Worldwide Cover for Hospital and Surgical Expenses, and covers surgery performed at a clinic.  
  2. Flexible Clinical Benefit
    You have the flexibility to choose from the 100% or 80% reimbursement percentage under our “Clinical Benefit”. You may simply mix and match the “Hospital and Surgical Benefit” with the “Clinical Benefit” in different classes to fit in with your company’s protection needs and budget planning.
  3. Optional Benefits for your selection
    “Network” Hospital Benefit will be provided if the “Optional In-patient Top Up Medical Benefit” coverage is insured. Furthermore, “Optional Dental Care Benefit” and “Optional Health Check Up Benefit” are available for you to choose.
  4. Double Benefit Limit
    Offer Double “Hospital and Surgical Benefit” limit if overseas hospitalization is required due to accidental injuries.
  5. Comprehensive Medical Network
    Our medical network includes over 2,000 network doctors and medical service providers in Hong Kong, ranging from General Medical Practitioner, Specialist, Physiotherapist, and Chinese Herbalist.
  6. Same premium for Same Level of Benefit
    Same premium is applied for members under same level of benefit irrespective of the insured persons’ ages.
  7. Enjoy Comprehensive Hospital and Surgical Benefit by insuring PRUchoice MediExtra
    Employees can additionally insure with standalone individual medical benefit under PRUchoice MediExtra on top of the benefit of “Hospital and Surgical Benefit” provided by you to cover the possible shortfall of medical expenses and enjoy a lifelong medical coverage.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Eligibility
  • All applications including the application of optional benefits must be firstly underwritten and approved by Prudential General Insurance Hong Kong Limited. Information required for underwriting includes table of benefits of existing group medical insurance, insured member census and the latest annual claim experience report.
  • PRUchoice Group Medical Insurance (“insurance”) provides benefits to employees who are aged under 65 and also to employees’ dependants, including their spouse, who are aged under 65, and unmarried children aged between 15 days and 18 years old (or aged below 23, when they are under full-time education with valid proof).
  • Application for this insurance is limited to the company operated in Hong Kong and all eligible employees in the company must enroll in the insurance.
  • Participating company must fulfill the minimum employee requirement of the relevant scheme: at least 10 employees and currently covered by an inforce group medical policy.
  • All employees of participating company must enroll in the “Hospital and Surgical Benefit” and “Clinical Benefit”.
  • Under this insurance, if the company enrolls “Clinical Benefit” for their employees, all employees, including their spouse and dependants must enroll such benefit.
  • For the “Optional In-patient Top Up Medical Benefit”, there should be at least 30% of total employees and subject to a minimum of 5 participated employees, otherwise, we will not consider the application. The level of cover of “Optional In-patient Top Up Medical Benefit” must be the same as the level of cover of “Hospital and Surgical Benefit”.
  • Participating company may divide their employees into different groups according to their eligibility but all qualified employees of the same eligibility should be in the same group.
  • Dependant shall be in the same group as the employee. If one dependant of the family enrolls in this insurance, all qualified dependants of the same family must also enroll.
  • All covered employees and their covered dependants shall be deemed as members for the entitlement of the corresponding benefits.
  • Upon policy expiry, no premium shall be refunded if the number of members is less than the minimum employee requirement of the relevant scheme due to any withdrawal of membership.
  • Member must attain the age of 5 when insuring “Optional Dental Care Benefit” and age of 18 when insuring “Optional Health Check Up Benefit”.

For details, please refer to product brochure.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Table of Benefits

 

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Remarks

Major Exclusions:

  1. Illness or Bodily Injury for which the Member received consultation, investigation or Treatment, or presented signs or symptoms within three (3) calendar months prior to the Commencement Date of Member’s Coverage, unless the Member has been insured under the same Prudential’s Group Medical Insurance Policy for continuous twelve (12) calendar months.
  2. Treatment for AIDS or HIV-related conditions which originate during the first 5 years of membership; or venereal disease.
  3. Treatment relating to congenital, developmental or hereditary conditions, geriatric, psychiatric conditions or mental disorders, pregnancy, infertility, or sterilization.
  4. Dental treatment and oral surgery except for emergency hospital treatment arising from an accident and in circumstance provided in the Dental Care Benefit under Optional Benefit (if applicable); or cosmetic surgery.
  5. Treatment arising from war, invasion, civil war, hostiles, act of terrorism, or criminal acts, self inflicted injury, suicide, abuse of drugs or alcohol, or participating in professional sports.
  6. Rest cure, general check-ups except in circumstances provided in the Health Check Up Benefit under Optional Benefit (if applicable), hearing or eye test, vaccination, inoculations, supportive treatment of renal failure such as dialysis.
  7. Use of special braces or implant appliances (e.g. prosthesis, lens, stent, etc), blood or blood plasma, non-medical services (e.g. medical reports, telephone charges, etc), experimental or new medical technology (unless approved by Prudential).

For more details, please refer to the Policy.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Important Notes to Applicant

PRUchoice Group Medical Insurance is underwritten by Prudential General Insurance Hong Kong Limited.

  1. Disclosure – The applicant is requested to disclose any other facts known to the applicant which are likely to affect acceptance or assessment of the insurance cover the applicant is applying for. Should the applicant have any doubts about what should be disclosed, please feel free to contact us or your financial consultant/broker. The applicant is recommended to keep a record (including copies of letters) of any additional information given for the applicant’s future reference. Failure to disclose or provision of incorrect information may mean that the Policy will not provide with the cover the applicant require, or perhaps may invalidate the Policy altogether.
  2. A specimen copy of the Policy and a copy of your completed Application Form will be supplies on request.
  3. All benefits and exclusions are only briefly outlined here. For further details, please refer to the Policy.
  4. The application form must be signed by a person who has attained age 18 or above.
  5. Premium of “Optional Dental Care Benefit” and “Optional Health Check Up Benefit” are calculated on a full year basis. Should new join member enjoy these two benefits during policy year, full year premium shall still be paid. If member’s benefit is ceased during policy period, no premium shall be refunded.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.