For those of you who are a frequent traveller to Mainland China for business or leisure, it is necessary to insure yourself with comprehensive medical protection against unexpected misfortunes which may occur during your trip. To relieve your financial worries in times of an emergency situation, we are pleased to present to you our PRUchoice China Accidental Emergency Medical Insurance* jointly with China Taiping Insurance (HK) Company Limited. With the PRUchoice China Accidental Emergency Medical Insurance, you will enjoy the best financial support and extra peace of mind when you travel in Mainland China.

This product is underwritten by China Taiping Insurance (HK) Company Limited (“China Taiping”). Prudential General Insurance Hong Kong Limited ("PGHK") introduces relevant general insurance business to China Taiping as its agent. PGHK has been delegated and authorized by China Taiping to provide related administrative support. The copyrights of the contents of this webpage are owned by Prudential General Insurance Hong Kong Limited.

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

Under PRUchoice China Accidental Emergency Medical Insurance, we offer a Gold Card Protection Plan and Blue Card Protection Plan to suit your individual needs.

A Blue Card will also be issued to the Gold Card member and near 4,000 Network hospitals are available.
**  If the Insured engages in any type of work listed below (whether on a temporary or permanent basis) at the time of accident, no benefit of Personal Accident Protection shall be provided, instead an Accidental Death Allowance of HK$20,000 shall be payable to the Insured's legal representative.

1. taking part in performing entertainment or film/television production or stunt person or martial arts fighter;
2. driving commercial vehicle (container tractor, lorry, crane truck and coach);
3. working at height exceeding 30 feet above ground or floor level or excavations in any part of a depth of 20 feet from the surface;
4. working on board or terminal;
5. working on a construction site.
6. using of machinery driven by steam, gas, water, electricity or other mechanical power or machinery for cutting or pressing metal or plastic.

This product is underwritten by China Taiping Insurance (HK) Company Limited (“China Taiping”). Prudential General Insurance Hong Kong Limited ("PGHK") introduces relevant general insurance business to China Taiping as its agent. PGHK has been delegated and authorized by China Taiping to provide related administrative support. The copyrights of the contents of this webpage are owned by Prudential General Insurance Hong Kong Limited.

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.

Advantages
  • An Accidental Emergency Medical Insurance Card will be issued to you upon acceptance of your application. In case of misfortunes, you will receive immediate medical treatment by presenting your card at any one of the 4,000 Network hospitals in Mainland China. No pre-payment is required.
  • Before you are discharged from the hospital, just complete and return the Claim Application Form to the hospital. The medical expenses concerned will be settled by China Taiping Insurance (HK) Company Limited. If the medical expenses exceed the sum insured, you are only required to settle the extra costs incurred in excess of the basic coverage.
  • This plan is available to anyone who holds a Hong Kong ID Card, Macau ID Card, Permit for Taiwan Compatriot or an overseas passport. Application is easy and convenient.

This product is underwritten by China Taiping Insurance (HK) Company Limited (“China Taiping”). Prudential General Insurance Hong Kong Limited ("PGHK") introduces relevant general insurance business to China Taiping as its agent. PGHK has been delegated and authorized by China Taiping to provide related administrative support. The copyrights of the contents of this webpage are owned by Prudential General Insurance Hong Kong Limited.

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.

Premium
1 Year 2 Years 3 years
Blue Card
(applicable in Guangdong & Fujian Provinces)
HK$350 HK$600 HK$850
Gold Card
(applicable throughout mainland China)
HK$600 HK$1,000 HK$1,400

This product is underwritten by China Taiping Insurance (HK) Company Limited (“China Taiping”). Prudential General Insurance Hong Kong Limited ("PGHK") introduces relevant general insurance business to China Taiping as its agent. PGHK has been delegated and authorized by China Taiping to provide related administrative support. The copyrights of the contents of this webpage are owned by Prudential General Insurance Hong Kong Limited.

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

Exclusions
The Prudential General Insurance Hong Kong Limited and China Taiping Insurance (HK) Company Limited shall not be responsible for any expense incurred by the following:

  • Gold Card Protection Plan: Incurred outside the territories of Mainland China;
    Blue Card Protection Plan: Incurred outside the territories of the Guangdong and Fujian Provinces.
  • For bodily injury or death directly or indirectly resulting from or consequent upon:

    a. war, hostilities or warlike operations, loss or damage from Act of Terrorism, civil war, rebellion, strikes, riots or caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion or nuclear fuel. For the purpose of this exclusion, combustion shall include any self-sustaining process of nuclear fission.
    b. taking part in any illegal act or activities.
    c. engaging in sports or games in a professional capacity or where an Insured would earn income or remuneration from engaging in sports.
    d. participating in dangerous activities or sports
    e. willfully exposing himself to needless peril (except in an attempt to save human life) or suicide, self-destruction, self-inflicted injury or any attempt threat whether sane or insane.
    f. pregnancy, childbirth, dystocia, abortion or miscarriage.
    g. fighting, attack resulting from provocation or deliberate act of Insured or insanity, intoxication or use of drugs (other than taken under a Medical Practitioner), rest cure or sanatorium care and dental treatment (except as necessitated by accidental injuries to sound natural teeth.)
    h. engaging in any form of aerial flight or air travel other than as a passenger in a properly licensed multi-engined aircraft being operated by a licensed commercial air carrier or owned and operated by a commercial company.
    i. venereal disease or HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof howsoever caused.
    j. pre-existing illness or bodily injury.
    k. illness, infectious disease, psychiatric disorders or any bodily injury or death which is not caused by Accident or by any medical or surgical treatment other than treatment required on account of an Accident covered by this Policy.
    l. in case of the Insured engaging service in the forces or police.
* All benefits and exclusions are only briefly outlined here. For further details, please refer to the Policy.

This product is underwritten by China Taiping Insurance (HK) Company Limited (“China Taiping”). Prudential General Insurance Hong Kong Limited ("PGHK") introduces relevant general insurance business to China Taiping as its agent. PGHK has been delegated and authorized by China Taiping to provide related administrative support. The copyrights of the contents of this webpage are owned by Prudential General Insurance Hong Kong Limited.

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.

Product FAQ
Q:  Why do I need to submit a photocopy of my travel document if I apply for this policy?
A:  As the travel document number is printed on the Accidental Emergency Medical Insurance Card, a photocopy of the travel document is required, in order to avoid mistakes and to ensure that you can get emergency assistance when it is most needed. 

Q:  I am retired and have a house in China so that I always stay there for a long while. Can I get the full protection from this plan?
A:  Yes, you can get a full cover from the basic plan no matter how old and how long you stay in China. 

Q:  How can I know where the authorized medical units are located? If I cannot find any authorized medical units nearby, what kind of protection can I get from this plan?
A:  The Insured will get a free booklet of the authorized hospitals, their addresses and contact telephone numbers for their easy reference.
If the Insured cannot find any authorized medical units nearby, he/she can call 24 Hours Worldwide Emergency Assistance Services for guarantee of hospital expenses up to US$6,500.

Q:  Is it true that the Insured must settle the medical expense himself/herself before discharge? To ask for compensation, is the Insured required to complete the claim form and return it with the original hospital receipts and medical certificate issued by the attending doctor?
A No, the above procedures are not necessary. According to our plan, the Insured just needs to complete and return the Claim Application Form to the hospital when he/she is discharged. If the medical expenses do not exceed HK$300,000, the Insured does not need to pay. In case the medical expenses exceed the sum insured amount, the Insured will be required to settle the extra costs incurred.

This product is underwritten by China Taiping Insurance (HK) Company Limited (“China Taiping”). Prudential General Insurance Hong Kong Limited ("PGHK") introduces relevant general insurance business to China Taiping as its agent. PGHK has been delegated and authorized by China Taiping to provide related administrative support. The copyrights of the contents of this webpage are owned by Prudential General Insurance Hong Kong Limited.

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
  • All first treatment for bodily injury must be attended by a Medical Practitioner at the Hospital Network in Mainland China.
  • If Applicant loses the Accidental Emergency Medical Insurance Card or needs to change information on the Card, he/she must inform Prudential General Insurance Hong Kong Limited in writing. A replacement fee of HK$100 will be charged. 
  • Withdrawals are not permitted for a 1-year policy.
  • For 2-year or 3-year policy, Applicant can withdraw midway by giving Prudential General Insurance Hong Kong Limited written notice of termination and returning the Insurance Card.
  • If Applicant withdraw during the first year of a 2-year policy, he/she will be refunded the second year premium. For withdrawals during the second year, no premium will be refunded.
  • If Applicant withdraw during the first year of a 3-year policy, he/she will be refunded the second and third year premium. For withdrawals during the second year, applicant will be refunded the third year premium. For withdrawal during the third year, no premium will be refunded.
  • 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 may mean that the Policy will not provide with the cover the applicant require, or perhaps may invalidate the Policy altogether.
  • A specimen copy of the Policy and a copy of your completed Application Form will be supplied on request.
  • All benefits and exclusions are only briefly outlined here. For further details, please refer to the the Policy.
  • The application form must be signed by a person who has attained age 18 or above.

This product is underwritten by China Taiping Insurance (HK) Company Limited (“China Taiping”). Prudential General Insurance Hong Kong Limited ("PGHK") introduces relevant general insurance business to China Taiping as its agent. PGHK has been delegated and authorized by China Taiping to provide related administrative support. The copyrights of the contents of this webpage are owned by Prudential General Insurance Hong Kong Limited.

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.