Health–an invaluable asset that is desired by everyone. Yet, going down with minor sickness is always inevitable. Due to the expensive medical fees, some people may hesitate to undergo outpatient medical treatment and resulting in a worse health condition. For the sake of you and your family's good health, Prudential now introduces PRUchoice Clinic, a comprehensive clinical insurance to you.

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

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

Special Features

  • Comprehensive Clinical Services
    PRUchoice Clinic provides comprehensive and professional clinical services to meet your individual needs. Besides of the basic coverage including General Practitioner's and Specialist's clinical services, minor operation, X-rays and laboratory tests, options for extra protection like Chinese Herbalist services and Eye Test are available to you.

  • Extensive Doctor Network in Hong Kong
    PRUchoice Clinic provides a Medical Network of more than 500 Network doctors located throughout Hong Kong, Kowloon, and New Territories. Just simply present PRUchoice Clinic Membership Card and make co-payment whenever you visit a Network doctor. No claim procedures are required as it is just that simple and easy.

  • Applicant can be aged up to 60 years old 
    Applicants aged between 15 days of birth and 60 years old are eligible for enrolment, renewal is offered up to the age of 65. Furthermore, enrolment is so easy that just the completion of the Application Form is required. No medical check up is needed.

  • Stress Management by Chinese Herbalist
    When you opt for Chinese Herbalist Consultation, stress management by Chinese herbalist with consultation and medicine is offered to you as well.

  • Enjoy a Free Branded Electric Toothbrush upon Successful Application
    Each member can obtain a Free Branded Electric Toothbrush upon successful application for PRUchoice Clinic. It helps you to enjoy a more intimate 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.

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

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

The following items, treatments, conditions, activities, sicknesses and their related or consequential medical expenses are excluded:

  1. Any cosmetic services, dental treatment or oro-surgical care treatment (except described in the section of Dental Care Services), or eye refraction treatment.
  2. Any form of treatments for Human Immunodeficiency Virus (HIV) related Disability, or Acquired Immune Deficiency Syndrome (AIDS).
  3. Any medical services associated with or treatments arising from pregnancy, miscarriage, abortion, infertility or sterilization of either sex.
  4. Routine or general physical examination, inoculation, vaccination for immunization (except tetanus in case of injury) or quarantine purposes.
  5. Any medical services caused by self-inflicted injuries, drug addiction, alcoholism, venereal disease and psychiatric illness.
  6. Injury or sickness directly or indirectly arising out of war, invasion, civil war, hostilities, act of terrorism and hazardous activities.
  7. Advanced imaging and specialised X-ray.
  8. Any medical services for chronic illness, congenital abnormalities, illness or injury that requires long term medication (such illness or injury requires medication for at least a 27-day period).
  9. Tonics, appetite stimulants, vitamins, hormonal supplement (unless recommended by the doctors within the Medical Network).
  10. Any disease or injury occurred during the Waiting Period of 14 days.
  11. Charges of medication other than basic medication.

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. The clinical services of PRUchoice Clinic are provided by the appointed Network Provider. All liabilities arising from rendering the services and their availability are fully borne by the appointed Network Provider. Prudential reserves the rights to appoint new Network Provider without prior notice.
   
2. 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.
   
3. The Membership Card must be presented at designated clinics/centres for clinical services of PRUchoice Clinic. Any expenses incurred or paid directly by members for clinical services cannot be reimbursed from Prudential and /or by the appointed Network Provider.
   
4. The Policy is subject to a Waiting Period of 14 days from the received date of the Application Form. Thereafter, another 14-day Policy Review Period is available for you to review the coverage. If you would like to cancel the Policy for any reason, simply return the policy, the medical card together with a written notice to us; premium will be fully refunded provided that the said documents are received by us within the Policy Review Period and you have not obtained any services from the Medical Network.
   
5. If the Membership Card is lost, damaged or replaced because of changes in personal information, a handling fee of HK$100 will be charged for each replacement.
   
6. The Medical Network reserves the right for making extra charges on medical services, if the service is not covered under the Policy.
   
7. All benefits and exclusions are only briefly outlined here. For further details, please refer to the Policy.
   
8. A specimen copy of the Policy and a copy of your completed Application Form will be supplied on request.
   
9.

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

   
10. The application covers the spouse and any applicant's child who has not yet attained age 18, and a new application will need to be signed and submitted by such applicant's child when he/she has attained age 18.

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.