With the implementation of CEPA, travelling to China for business purposes becomes necessary than ever. A comprehensive accident and medical protection against unexpected misfortunes is essential to those who travel to China frequently. To meet the needs and relieve financial worries of those encountering these misfortunes while travelling in China, we are pleased to introduce PRUchoice China Protection.

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 above 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

Upon presentation of the PRUchoice China Protection Card, card holders can be rest assured for in-patient stay in over 270 Designated Hospitals for emergency medical treatment in the event of accident and illness during the trip in China. They don't need to pay hospital admission deposit nor hospital bills*. What's more, there is no claims procedure to follow. 

# The Designated Hospital List will be updated from time to time, please refer to: 
www.prudential.com.hk/chinaplan-hospitallist.pdf 

*

If the medical expenses exceed the sum insured, the Insured Person is only required to settle the extra costs incurred in excess of the basic coverage upon hospital discharge.

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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.

Advantages
  1. Simply present PRUchoice China Protection Card to Designated Hospitals for immediate medication.
  2. With over 270 Designated Hospitals, enjoy a hassle-free journey in China.
  3. 10% first year premium discount will be given if you are the existing customer of PRUchoice Travel – annual cover.
  4. Additional benefit of HK$100,000 for accidental death arising from kidnapping in China. 

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.

Premium

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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

Main Exclusions 
The following is a summary of the exclusions to PRUchoice China Protection. Please refer to the Policy for complete details: 

1. War and kindred risks, Government acts and nuclear hazard, civil commotion
2. Unreasonable care and attention
3. Accidents whilst engaged in sports or games in professional capacity or on a competitive basis racing (other than on foot), motor rallies and competitions (other than karting taken as a leisure activity), aviation (other than as a fare- paying passenger in a licensed aircraft operated by a recognized airline which is duly licensed by relevant authorities for the transportation of passengers), parkour, slalom racing, free diving, deep cave diving gliding or soaring via glider or sailplane jet pack or similar activities (either propelled by escaping gas or liquid water) and any other hazardous activities or pursuits or similar activities of the aforesaid.
4. Self-inflicted injury or illness
5. Alcoholism or drug abuse
6. Pre-existing medical conditions
7. Venereal disease, AIDS or AIDS related complex
8. Pregnancy, miscarriage or childbirth and all complications thereof
9. Accidents occurred whilst the Insured Person is engaging in manual work in connection with any business, profession or employment or an occupation of pilot or crew member of any air carrier, tour guide or tour escort etc.
10. Medical treatment being the specific purpose of the trip
11. Non-essential treatment or surgery, or the extra charges for the private room accommodation.
12. Medical treatment which in the opinion of the Medical Practitioner treating the Insured Person can be reasonably delayed until the Insured Person's return to Hong Kong.

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.

Product FAQ
Q: Where can I download the Designated Hospital List?
A: The Designated Hospital List is available at www.prudential.com.hk/chinaplan-hospitallist.pdf

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
1.

Disclosure – The applicant is requested to disclose any other facts known to applicant which are likely to affect acceptance or assessment of this insurance cover the applicant is applying for. Should the applicant has 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 your Policy will not provide with the cover the applicant require, or perhaps invalidate the Policy altogether.

   
2.

A specimen copy of the Policy and a copy of your completed Applicant Form will be supplied on request. 

   
3.

All benefits and exclusions are only briefly outlined here. For further details, please refer to the Certificate of Insurance and the Insurance Policy.

   
4.

To be eligible for the claim of follow up medical expenses after returning Hong Kong, the Person to be Insured must have received the first medical treatment by a Registered Medical Practitioner at the Designated Hospital in China.

   
5.

If Applicant loses the PRUchoice China Protection 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.

   
6.

Premium payment must accompany this Applicant Form. No refund premium is allowed once the Certificate of Insurance has been issued.

   
7.

The application form must be signed by a person who has attained age 18 or above.

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.