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.

 

Features

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

All figure in HK$
Plan A Plan B Plan C
I. Daily Cash Benefits
It starts payable from hospitalization for 1 day onwards with a maximum of 1,000 days for each hospital confinement, each day up to:
500 1,000 1,500
II. Double Cash Benefits
We provide cash benefits during the days of surgery treatment or the period of admission to Intensive Care Unit (ICU) for a maximum of 30 days for each confinement, each day up to:
1,000 2,000 3,000

Note:

a. Hospitalization for any illnesses shall not be covered during the waiting period of 30 days from the first effective date of the Hospital Cash Protection Plan. For illnesses pertaining to tonsils, adenoids, hernia, and for any illnesses peculiar to the female reproductive organs, the hospitalization shall not be covered too during the waiting period of 120 days from the effective date of the Hospital Cash Protection Plan.
b. The benefit areas of this plan include Hong Kong, Macau, Singapore, Malaysia, Japan, Taiwan, United Kingdom, member countries of the European Union, Switzerland, Channel Islands, Isle of Man, United States of America, Canada, Australia, New Zealand and Republic of South Africa. For any Hospitalization outside the benefit areas, the Daily Cash Benefits and the Double Cash Benefits will be reduced by 50%. The maximum days of entitlement under Daily Cash Benefits shall be restricted to 90 days.
c. The Daily Cash Benefits shall not be payable for the period when the Double Cash Benefits is paid. Nevertheless, the days of entitlement for Double Cash Benefits shall be counted as the days of entitlement for Daily Cash Benefits.
d. Daily Cash Benefit shall be payable to the Insured Person in respect for any hospitalization for a minimum period of 1 day upon the recommendation of a Registered Medical Practitioner.

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. 

Crisis Protection Plan All figure in HK$
Plan A Plan B Plan C

a.

Crisis Cover Benefits 250,000 500,000 1,000,000
b. Rehabilitation Benefits with Chinese Medication and Supplement
We provide a lump sum benefits for rehabilitation with Chinese medication and supplement if you are diagnosed with a critical illness and has undergone a surgical operation or received chemotherapy or radiotherapy
HK$80,000
c. Second Opinion Benefits
Your can seek for professional detailed second opinion oncology consultation at a discounted rate
This service is arranged by AmMed Health Services Limited.
d. Health Check-up Benefits
We cover the expenses of health check-up once every 2 years to encourage you to live healthily, up to:
80% of the expenses up to HK$500 80% of the expenses up to HK$750 80% of the expenses up to HK$1,000

Note:

a. Any illnesses diagnosed during the waiting period of 90 days from the first effective date of Crisis Protection Plan shall not be covered.
b. The Insured Person must be alive for at least 14 days after being first diagnosed of a covered critical illness.
c. Health check-up is referred to the general health examination take place during the period of insurance (except as specified in (c) ), excluding examination primarily for teeth, eye sight, hearing and fertilization. All health check-up should be signed and certified by registered doctors or professional technicians.
d. The health check-up benefits shall only be provided upon expiry of waiting period under Crisis Protection Plan.

List of Critical Illnesses covered in Crisis Protection Plan

Cancer
  1. Cancer
Illnesses related to the Heart
  1. Cardiomyopathy
  2. Coronary Artery Disease Requiring Surgery
  3. Heart Attack
  4. Heart Valve and Structural Surgery
  5. Primary Pulmonary Arterial Hypertension
  6. Surgery to the Aorta
Illnesses related to the Nervous System
  1. Alzheimer’s Disease
  2. Bacterial Meningitis
  3. Benign Brain Tumour
  4. Brain Surgery
  5. Coma
  6. Encephalitis
  7. Major Head Trauma
  8. Motor Neurone Disease
  9. Multiple Sclerosis
  10. Muscular Dystrophy
  11. Paralysis
  12. Parkinson's Disease
  13. Poliomyelitis
  14. Stroke
Illnesses related to Major Organs and Functions
  1. Blindness
  2. Chronic Liver Disease
  3. Deafness
  4. End Stage Lung Disease
  5. Fulminant Viral Hepatitis
  6. Kidney Failure
  7. Loss of Independent Existence (before age 65)
  8. Loss of Speech
  9. Major Burns
  10. Major Organ Transplantation
  11. Medullary Cystic Disease
  12. Severance of Limbs
  13. Total and Permanent Disability (before age 65)
Other Major Illnesses
  1. AIDS due to Blood Transfusion
  2. Aplastic Anaemia
  3. Elephantiasis
  4. Occupationally Acquired HIV
  5. Severe Rheumatoid Arthritis
  6. Terminal Illness

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. Daily Cash Benefits 
    PRU
    choice HealthCare offers Hospital Cash Protection Plan to provide you a daily hospital cash for hospitalization. You are free to use the hospital cash as you may wish to meet your financial needs. The benefit amount shall be doubled during the days of receiving surgery operation or the period of admission to Intensive Care Unit (ICU). 
  2. 100% Cash Benefits for Critical Illnesses
    PRU
    choice HealthCare also offers you Crisis Protection Plan to provide you 100% cash benefits when you misfortunately contract any covered critical illnesses, helping you and your family getting through an unexpected dreadful burden.
  3. Rehabilitation Benefits with Chinese Medication and Supplement
    Use of Chinese Medication and supplement is getting popular in our community. In the Crisis Protection Plan of PRUchoice HealthCare, we provide lump sum cash benefits for rehabilitation with Chinese medication and supplement right after surgery treatment or receiving chemotherapy or radiotherapy for the covered critical illness. 
  4. Health Check-Up Benefits
    Prevention is better than cure. To encourage you to upkeep a healthy life at all times, we provide a health check-up indemnity for every 2 years.
  5. Extra 10% Discount if you insure both
    What’s more? If you insure both Hospital Cash Protection Plan and Crisis Protection Plan now, an extra 10% client discount will be given.

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

Premiums are per person covered

Hospital Cash Protection Plan

Plan A:
HK$500/day
Plan B:
HK$1,000/day
Plan C:
HK$1,500/day
Monthly Yearly Monthly Yearly Monthly Yearly
15 days - 9 90 1,008 180 2,016 270 3,024
10 - 19
56 622 111 1,245 167 1,867
20 - 29
46 521 93 1,042 139 1,562
30 - 39
58 652 116 1,304 174 1,955
40 - 49
94 1,058 189 2,117 283 3,175
50 - 59
135 1,518 271 3,036 406 4,554
60 - 64
281 3,147 561 6,293 842 9,440
65 - 69*
281 3,147 561 6,293 842 9,440
70 - 75*
462 5,180 924 10,361 1,386 15,541

*For renewal only

Crisis Protection Plan
Non-smoker

Plan A:
HK$250,000
Plan B:
HK$500,000
Plan C:
HK$1,000,000
Monthly Yearly Monthly Yearly Monthly Yearly
15 days - 14 95 1,060 151 1,695 235 2,639
15 - 19 79 882 123 1,383 183 2,057
20 - 29
92 1,035 147 1,651 228 2,557
30 - 39
128 1,431 209 2,348 344 3,854
40 - 49
232 2,604 393 4,408 686 7,691
50 - 59
523 5,865 904 10,140 1,638 18,364
60 - 64
882 9,885 1,535 17,205 2,812 31,520
65 - 69*
1,241 13,911 2,166 24,281 3,987 44,696
70 - 75*
1,717 19,247 3,003 33,660 5,545 62,161

*For renewal only

Smoker

Plan A:
HK$250,000
Plan B:
HK$500,000
Plan C:
HK$1,000,000
Monthly Yearly Monthly Yearly Monthly Yearly
15 days - 14 113 1,264 183 2,054 295 3,307
15 - 19
89 997 141 1,585 217 2,433
20 - 29
109 1,226 177 1,987 284 3,183
30 - 39
162 1,821 270 3,032 458 5,129
40 - 49
319 3,579 546 6,123 971 10,884
50 - 59
756 8,471 1,313 14,720 2,399 26,893
60 - 64
1,293 14,501 2,258 25,319 4,159 46,628
65 - 69*
1,832 20,540 3,205 35,933 5,922 66,392
70 - 75*
2,546 28,545 4,460 50,001 8,259 92,589

*For renewal only

Note:
The Company shall underwrite and impose loading or/and exclusions for substandard risk.

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

  • Arising from war, invasion, civil war, hostilities and act of terrorism.
  • Pre-existing conditions, and any critical illness diagnosed or any hospitalization received during the waiting period.
  • Hospitalization for pregnancy, miscarriage, abortion, childbirth, birth control and treatment of infertility.
  • All illnesses including any relating hospitalization arising from abuse of drugs, alcohol, self-inflicted or sexually transmitted diseases.
  • All illnesses including any relating hospitalization arising from AIDS or HIV-related conditions. (If you have insured Crisis Protection Plan, this exclusion is not applicable to AIDS due to Blood Transfusion or Occupationally Acquired HIV under this protection.).
  • Hospitalization relating to congenital or hereditary conditions.
  • Hospitalization primarily for diagnostic scanning, X-ray examinations or physical therapy only.

(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
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 may mean that the Policy will not provide with the cover the applicant require, or perhaps may invalidate the Policy altogether.

   
2.

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.

   
3.

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.

   
4.

A specimen copy of the Policy and a copy of the applicant's completed Application Form will be supplied on request.

   
5.

All benefits and exclusions are only briefly outlined here. For more details, please refer to the Policy.

   
6.

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

   
7.

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.

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.