"Prevention is better than cure". Staying healthy brings a promising life not only to you, but also to your family. Some illnesses do come about without any symptom but may be diagnosed during preventive check-ups. The earlier the illnesses are identified and treated, the higher the chance of recovery by early treatment. Prudential General Insurance Hong Kong Limited (“Prudential”) is pleased to offer you, PRUchoice HealthCheck Medical Insurance, a package of health check-up and insurance protection to you and your beloved family to against unexpected extra cost if further health investigation is required.
Applicable on or after 12 January, 2018.
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.
Flexible Plans to Suit your NeedsPRUchoice HealthCheck offers comprehensive health check-up plan with various optional choices of 7 Cancer Detection Options, Female Plan, Hepatitis B Tests and Helicobacter Pylori Test to fit your needs. Once your application has been approved and issued, you may entitle the health check-up right after the 15 days waiting period.
Follow-Up Tests to be provided on Abnormal FindingsShould the results of some special 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 Consultation and Report InterpretationOn the check-up day, you will be provided one doctor consultation to allow the doctor to understand your health condition, so that you can enjoy a worry free health check-up. Whether there are abnormalities in your check-up result, we always believe you deserve to know more about your health condition. We will arrange doctor to explain your medical report to you with his/her professional advice. One additional doctor consultation and report interpretation will be provided to you if any follow-up test(s) is/are required.
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.
Section II - Follow-Up Tests for Abnormal Findings1, 2We will arrange follow-up tests if abnormal findings are shown from Section I above such that the doctor of Designated Medical Centre recommends you to follow up for further investigation and confirm the abnormal findings. The cost of the follow-up test(s) listed in Section I above will be paid by Prudential.
One consultation for report interpretation and advice by doctor at the Designated Medical Centre(s) will be provided to you after the completion of all follow-up tests under Section II (if applicable) regardless of number of follow-up test applicable.
Section III - Blood Tests to Direct Family Members for Thalassaemia1, 2Should the check-up reveal that you are suspected of having Thalassaemia trait, two of your Direct Family Members (including Spouse & Children) are entitled to a Complete Blood Count examination.
20% Discount on PRUchoice Medical and/or PRUchoice MediExtra and/or PRUchoice HealthCare5Within the 6-month period after you have taken the health check-up under PRUchoice HealthCheck, you can enjoy 20% first year premium discount upon the acceptance of your application in applying for PRUchoice Medical and/or PRUchoice MediExtra and/or PRUchoice HealthCare and using the relevant check-up report for underwriting purpose.
The above Table of Benefit and notes must be read in conjunction with the policy and the certificate of insurance.
Exclusions to Section II (Follow-Up Tests for Abnormal Findings) and Section III (Blood Tests to Direct Family Members for Thalassaemia)
For more details, please refer to the policy.
As a benefit 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 I to Section III 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.
The medical information including but not limited to examination procedure and intravenous sedation (if applicable) 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 does not guarantee its accuracy or completeness. Prudential shall accept no liability or responsibility in relation to the use of or reliance on any such information. Should you have any medical enquiries, please consult the doctor of Designated Medical Centre(s) and/or your family doctor.
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