Health is an invaluable asset. Yet, misfortunes do sometimes occur and if, unfortunately, you contract an illness or have an accident, you will have to pay expensive medical and hospitalisation costs. Choosing a medical plan that suits your needs should, therefore, be an immediate concern. To help you plan better for any unexpected financial burden, Prudential General Insurance Hong Kong Limited now offers PRUChoice Medical Insurance – the most comprehensive health protection 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.

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

Applicable to new application on or after 4 May, 2020

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

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

PRUChoice Medical Major Exclusion

(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.

Frequently Asked Questions

PRUChoice Medical FAQ

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 all 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 the cover the applicant requires, 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. A 30-day Policy Review Period, counting from the 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 and the Certificate of Insurance together with a written notice to us; the premium and levy paid 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.
  4. All benefits and exclusions are only briefly outlined here. For further details, please refer to the Policy.
  5. The application form must be signed by a person who has attained age 18 or above.
  6. Any bodily injury or sickness which exists prior to the effective date of the Policy will not be covered under the Policy.
  7. The application covers any applicant’s spouse or 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 18.
  8. This product is underwritten by Prudential General Insurance Hong Kong Limited (“Prudential”). The copyright of the contents of this document are owned by Prudential .
  9. Prudential has the right to adjust premium rates on a community pool basis because of several factors, including Prudential ’s claims and persistency experience.
  10. This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provide any insurance product outside of Hong Kong. Prudential 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.
  11. 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.

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