It is always our dream of earning a healthy life. Traditional medical insurance can certainly provide you with emergent medical needs and expenses. Yet, while the medical fee is increasing, the actual medical expenses may be far beyond your expectation and the coverage of your existing medical insurance if you contract critical illness or come across accidents unfortunately. Listening to your needs, Prudential offers PRUchoice HealthCare Medical Insurance – a flexible top-up medical protection, to you and your family with two major options: Hospital Cash Protection Plan and Crisis Protection Plan. In Prudential, we care no matter how little it is.
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.
If you are unfortunately hospitalized due to illness or accident, we will provide a daily hospital cash benefit for your immediate relief of hospitalization expenses and it shall be paid from the first day of hospital confinement. The benefit will be as long as 1,000 days per hospital confinement and it will be doubled during the days of surgery treatment or the period of admission to Intensive Care Unit (ICU).
Hospital Cash Protection Plan
Crisis Protection Plan covers as many as 40 major critical illnesses. Once you are diagnosed of suffering from any one of these critical illnesses, immediate cash will be provided to relieve you from the financial burden in receiving advanced medical treatments.
List of Critical Illnesses covered in Crisis Protection Plan
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.
Premiums are per person covered
*For renewal only
Crisis Protection PlanNon-smoker
Note:The Company shall underwrite and impose loading or/and exclusions for substandard risk.
(For more details, please refer to the Policy.)
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 30-day Policy Review Period counting from the first effective date of the Policy is available for the applicant to review the coverage. If the applicant would like to cancel the Policy for any reason, simply return the Policy, the Insurance Schedule 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 the applicant has not filed any claims under the Policy.
Premium for the full 12 months' Period of Insurance will be due from the Effective Date of this Insurance regardless of yearly or monthly payment mode. Health Check-Up Benefits is provided for any two consecutive years of cover under Crisis Protection Plan. The Company reserves the right to take any action including civil proceedings to claw back the outstanding premium for remaining Period of Insurance, or the expenses for the Health Check-Up Benefits should the Policy or the Section of Crisis Protection Plan be terminated earlier than as required.
A specimen copy of the Policy and a copy of the applicant's completed Application Form will be supplied on request.
All benefits and exclusions are only briefly outlined here. For more details, please refer to the Policy.
The application form must be signed by a person who has attained age 18 or above.
The application covers 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.
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