Health check-up allows you to understand your health condition and helps you identify sickness especially those without any symptoms, The earlier the sickness is identified and treated, the higher the chance of recovery.  However, health check-up usually costs you more than expected if any unknown abnormal findings found that various follow up tests may be required. PRUchoice HealthCheck Deluxe Medical Insurance Plan provides you with a comprehensive health check-up at a foreseeable cost for you and your family.

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.

Special Features

Flexible Plans to Suit your Needs
PRUchoice HealthCheck Deluxe offers comprehensive health check-up plan for both kids and adults, with various optional choices of Male Specific Items, Female Specific Items, Eye Examination, Osteoporosis Examination and various vaccines to fit your needs.

Privileges of  Adult Plan - VIP Cover
Adult Plan – VIP Cover provides you with privileges of prestigious check-up services. If VIP Cover customer selects Optional Male/Female Specific Items at the time of application, extra HK$2,000 hotel voucher* will be offered.

Follow-Up Tests to be provided if Abnormal Findings
Should the results of some specific check-up items reveal abnormal findings, don't worry!  With the recommendations of doctor, we shall arrange further follow-up test(s) once for you in order to ascertain the findings.

Doctor's Consultation
Whether there are abnormalities in your check-up result, we always believe you deserve to know more about your health conditions. We will arrange doctor to explain your medical report to you with his/her professional advice. One additional doctor consultation will be provided to you if any follow-up test(s) is required.


* Hotel voucher is only applicable to the insured person of Adult Plan – VIP Cover who purchased Optional Male/Female Specific Items at the same time.  Hotel voucher is valid until the pre-printed expiry date, we will not be responsible for any expired voucher and re-issuance.  Hotel voucher cannot be redeemed for cash and any unused balance will be forfeited.  We will not be responsible for any loss or damage to the hotel voucher. The use of hotel voucher is subject to the relevant terms and conditions. 

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.

Table of Benefits

Section 1 – Health Check-Up1

Basic Plan

 

Optional Items

 

Section 2 - Follow-Up Tests for Abnormal Findings2

We will arrange follow-up tests if abnormal findings are shown from Section 1 such that the doctor recommends you to carry them out for further investigation and confirm the abnormal findings. The cost of the follow-up test(s) listed in Section 1 will be paid by Prudential General Insurance Hong Kong Limited.

Notes

Note 1: All health check-ups are to be carried out at Designated Medical Centres and advance booking is required.

Note 2:  Insured person will be eligible for the follow-up test(s) once if abnormal finding shown in the tests listed in Section 1 subject to the medical advice of the doctor of Designated Medical Centre that the relevant follow-up test is necessary and physically suitable for the insured person with our prior written approval, the cost of the relevant follow-up test will be paid by us.  Under policy coverage of PRUchoice HealthCheck Deluxe and its subsequent renewals (if any), every eligible insured person shall receive each follow-up test once only. All follow-up test(s) (except for Pap Smear) should be taken within a period of three months from the date of medical advice by doctor.  Follow-up test(s) for Pap Smear should be taken within a period of six months from the date of medical advice by doctor.

Note 3: Report interpretation and advice by doctor/paediatrician must be completed within four months from the date of the check-up. Medical report will be destroyed after four months from the date of the check-up without prior notice.

Note 4: The test will be examined by a pathologist subject to the medical advice of doctor and the physical condition of the insured person.  During the examination procedure, intravenous sedation (if applicable) will be administered to alleviate anxiety and discomfort related to the procedure, and medical equipment (if applicable) will then be introduced into the body to perform the examination.  Medical risk(s) exist in the examination procedure.  For the details of examination, please consult your family doctor prior to the examination. 

The above information is supplied by Designated Medical Centre(s).  Such information is provided for reference only and does not constitute nor is intended to be construed as health/medical advice.  Prudential General Insurance Hong Kong Limited (“the Company”) does not guarantee its accuracy or completeness.   The Company shall accept no liability or responsibility in relation to the use of or reliance on any such information. 

Note 5: For those who purchase Basic - Adult Plan with Optional Male/Female Specific Items at the same time, we will refund a fixed amount of HK$7,500 for the unused benefit of Colonoscopy under Optional Male/Female Specific Items to the insured subject to the prior written approval from us if: (i) abnormal findings are shown in Faecal Test for Occult Blood under Basic – Adult Plan and Colonoscopy is recommended by doctor as a follow-up test given it is physically suitable for the insured person. The insured person shall only be eligible for Colonoscopy one time; or (ii) the doctor does not recommend Colonoscopy to the insured person due to medical reason such that the insured person shall not conduct Colonoscopy under Optional Male/Female Specific Items. 

Note 6: Pap Smear is only applicable to the female who ever had sexual experience only.

The above Table of Benefits and notes must be read in conjunction with the policy and the certificate of insurance.

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.

Privileges of Adult Plan – VIP Cover

* Hotel voucher is only applicable to the insured person of Adult Plan – VIP Cover who purchased Optional Male/Female Specific Items at the same time.  Hotel voucher is valid until the pre-printed expiry date, we will not be responsible for any expired voucher and re-issuance.  Hotel voucher cannot be redeemed for cash and any unused balance will be forfeited.  We will not be responsible for any loss or damage to the hotel voucher. The use of hotel voucher is subject to the relevant terms and conditions.

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.

 

Major Exclusions

General Exclusions

  • Any health check-up(s) or follow-up test(s) conducted in a place other than the Designated Medical Centre(s) or other examination centre(s) approved by the Designated Medical Centre(s).

Exclusions to Section 2 - Follow-Up Tests for Abnormal Findings

  • The insured person has already been advised of or diagnosed with abnormal findings in Nutrition Assessment, Complete Blood Count, Thyroid Gland Function Test, Chest X-ray, Faecal Test, Blood Glucose, Electrocardiogram with Computer Interpretation (ECG), NP Screen, Hepatitis B Test, Total PSA, CA 72.4, Pap Smear, HPV Genotyping, Ultrasound of Breast or Mammogram prior to the first effective date of this policy.
  • The insured person has any symptom, or already been advised of or diagnosed with tumor/cancer (any nature), heart disease, anaemia, thalassaemia, hepatitis, diabetes mellitus, haemorrhoid or any chronic illness prior to the first effective date of this policy.
  • Cost of any follow-up test not listed in the Table of Benefits, or the follow-up test(s) were taken without the medical advice of doctor of the Designated Medical Centre(s) and our prior approval in writing.

(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 Note

As a benefit provided to the insured person of this insurance, Prudential General Insurance Hong Kong Limited (“the Company”)  at its own costs arranges cover of the health check-up and test provided by Designated Medical Centre(s) and its doctor(s) under the above Section 1 and Section 2 to the insured person. For the avoidance of doubt, the Company is not an agent of the Designated Medical Centre(s) and its doctor(s) for the health check-up and test and makes no representation, warranty or undertaking as to the suitability of the health check-up, the accuracy or completeness of the test results, the professional standard and quality of the Designated Medical Centre(s) and its doctor(s). In any event, the Company shall not be responsible or liable for any act, omission, default or negligence of the Designated Medical Centre(s) and its doctor(s).  The provisions of the health check-up and test by the Designated Medical Centre(s) and / or the acceptance thereof by the insured person shall constitute a contract between the Designated Medical Centre(s) and the insured person separate and independent from this insurance.

Should you have any medical enquiries, please consult your family doctor.

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.

Table of 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.

Locations of Designated Medical Centres

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 Applicants
  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 specimen copy of the policy and a copy of your completed application form will be supplied on request.
  3. All benefits are only briefly outlined here. For further details, please refer to the certificate of insurance and insurance policy. 
  4. The application form must be signed by a person who has attained age 18 or above.
  5. The application covers any applicant’s spouse or child(ren) aged 12-17, and a new application will need to be signed and submitted by such applicant’s child(ren) 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.