"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.

Special Features

Flexible Plans to Suit your Needs
PRUchoice 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 Findings
Should 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 Interpretation
On 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 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 II - Follow-Up Tests for Abnormal Findings1, 2
We 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, 2
Should 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 HealthCare5
Within 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.

Notes

  1. All health check-ups are to be carried out at Designated Medical Centres and advance booking is required.
  2. Insured person will be eligible for the follow-up test(s) once i) if abnormal finding shown in the tests listed in Section I, ii) 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; and iii) with Prudential’s prior written approval, the cost of the relevant follow-up test will be paid by Prudential.  Under policy coverage of PRUchoice HealthCheck 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.
  3. Pap Smear is only applicable to the female who ever had sexual experience.
  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.
  5. For the insured person to enjoy the 20% first year premium discount on PRUchoice Medical and/or PRUchoice MediExtra and/or PRUchoice HealthCare, he/she should attach a copy of the latest medical report issued by the service provider of PRUchoice HealthCheck together with the relevant application form for underwriting purpose.

The above Table of Benefit 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.

Major Exclusions

General Exclusions

  • Any health check-ups conducted during the waiting period.
  • 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 II (Follow-Up Tests for Abnormal Findings) and Section III (Blood Tests to Direct Family Members for Thalassaemia)

  • The insured person has already been advised of or diagnosed with abnormal findings in Complete Blood Count, Chest X-ray, Electrocardiogram with Computer Interpretation (ECG), Total PSA, Pap Smear, Ultrasound of Breasts, CA72.4, EBV IgA, AFP or CEA prior to the first inception date of this policy.
  • The insured person has any symptom, or already been advised of or diagnosed with tumor/cancer (any nature), coronary heart disease, anaemia, thalassaemia, or any chronic illness prior to the first inception date of this policy.
  • Cost of any follow-up test not listed in the Table of Benefit, or the follow-up test(s) were taken without the medical advice of doctor of the Designated Medical Centre(s) and Prudential’s 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.

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.

Important Note

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.

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 the 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 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 waiting period of 15 days starting from the date the Company receives the application form is applicable.
  3. Premium for the full Period of Insurance must be paid in full before the Effective Date of this Insurance and shall not be refundable. Health check-up shall be conducted within the Period of Insurance. Failure to take the health check-up within the Period of Insurance shall be considered as voluntary giving up by the Insured. The Company shall not be required to refund or compensate in any form whatsoever for any not taken health check-up.
  4. A specimen copy of the policy and a copy of your completed application form will be supplied on request.
  5. All benefits are only briefly outlined here. For further details, please refer to the certificate of insurance and the insurance policy.
  6. The application form must be signed by a person who has attained age 18 or above.
  7. Collection of Levy by the Insurance Authority (“IA”) - From 1 January 2018 onwards, a levy on insurance premiums for insurance policies will be payable to IA by policy holders. IA will collect the levy from policy holders through insurance companies. The amount of the levy may be subject to change depending on the applicable levy rate, which shall be determined by when the first premium is due which is the date when the policy becomes effective.  Policy holder shall commit an offence and be liable to a pecuniary penalty not exceeding HK$5,000 for failure to timely pay the levy. Levy must be paid when the premium is paid. To avoid any doubt, you must pay us the premium and levy once policy is effective.

    In this connection, notwithstanding anything contained in this form, policy provision or any other agreements between us, you agree us with the following assistance as may be necessary to enable us to collect any outstanding levy payable to IA in respect of the policy applied under this application form to the extent applicable and relevant, subject to the terms hereof: -

    • you agree the prepayment of levy on prepaid premiums if you pre-pay any premium.
    The corresponding levy rate (based on premium payable) and cap per policy per policy year for insurance policies with effective date falling in the period from 1 January 2018 till 31 March 2019 (both dates inclusive) are 0.04% and HK$2,000; from 1 April 2019 till 31 March 2020 (both dates inclusive) are 0.06% and HK$3,000; from 1 April 2020 till 31 March 2021(both dates inclusive) are 0.085% and HK$4,250; and from 1 April 2021 onwards (date inclusive) are 0.1% and HK$5,000. For details of levy information, please visit www.prudential.com.hk/levy.

    All the premiums listed in this application form exclude levy.

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.