Health is an invaluable asset. Yet, misfortunes do sometimes occur and if you contract illness or come across accidents unfortunately, you will have to pay the expensive medical and hospitalization costs. Choosing a medical plan that suits your needs is therefore your immediate concern. To help you plan better for these unexpected financial burdens, 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.

Features

Applicable to new application on or after 23 May, 2017.

Note a : Basic Hospital and Surgical Plan

  1. As a Supplement to the normal benefit under Section I (1), Prudential General Insurance Hong Kong Limited will pay an additional benefit to the amount shown for room and board charges necessitated by an intensive care phase of critical illness.
  2. Under the benefit of Section I (10), the pre-admission outpatient consultations cover visits to the attending doctor or the family doctor as stated in the application form by the applicant.
  3. Under the benefit of Section I (15), if the Insured Person has the sign and symptom of illness and is recommended and referred by his/her attending doctor to receive diagnostic examination in a hospital, we will pay the relevant and necessary expenses for room and board, miscellaneous hospital services (including diagnostic examination in hospital) and in-patient physician's fee, even though no follow up treatment in hospital is needed. If the diagnostic examination reveals treatment in hospital is further required, all the aforementioned relevant expenses for room and board, miscellaneous hospital services (including diagnostic examination charges) and in-patient physician's fee, shall be covered as per the respective Sub-Sections under Section I. In case any expenses payable under Section I (15), all expenses incurred in the same Hospital Confinement shall not be eligible to be paid under the other respective Sub-Sections of Section I.

Note b : Optional Medical Plus Plan

  1. The benefits of this Section will be pro-rated if the room & board is upgraded.
  2. Except for overseas emergency treatment certified by a Physician, Optional Medical Plus Plan is applicable to in-patient hospitalization in Hong Kong only.

Note c : Optional Hospital Cash Plan

  1. The Optional Hospital Cash Plan should be at the same level of cover as that of the Basic Hospital and Surgical Plan.
  2. Days of hospital confinement are calculated based on the number of days room & board charge is incurred.
  3. Except for overseas emergency treatment certified by a Physician, Optional Hospital Cash Plan is applicable to in-patient hospitalization in Hong Kong only.

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

Special Features

  • Special Benefit of Cancer Treatment and Renal Dialysis Care
    Under Basic Hospitalization and Surgical Plan, it especially provides Cancer Treatment and Renal Dialysis Care Benefits. After clients undergo surgeries, the related charges for cancer treatment for example chemotherapy, radiotherapy or immunotherapy, or for renal dialysis are covered.
  • Cover surgeries which take place in Clinic or Day Care Unit in Hospitals
    Some operations for example Cataract, Colonoscopy or Gastroscopy, can be performed in clinic or day care unit in hospital per doctor’s recommendation, these related expenses can be covered in PRUchoice Medical.
  • Worldwide Lifetime Cover and Guaranteed Renewal for Basic Hospital and Surgical Plan
    Once you have taken out PRUchoice Medical Insurance, you can enjoy a worldwide cover without limitation for designated hospitals. What’s more? The coverage is lifetime guarantee of annual renewal for Basic Hospital and Surgical Plan regardless of your health condition.
  • Optional Medical Plus Plan and Hospital Cash Plan
    With ever-increasing hospital expenses, an extra top-up and hospital cash plan cover will bring you extra protection and relieve you from the worries of having to pay the expensive medical bills in the event of major illnesses or serious accidents. Optional Medical Plus Plan provides covers starting from first day of hospitalization.
  • Family Discount
    If you insure together with your spouse, or unmarried children aged below 18, an extra 10% discount will be given for all Insured Persons to be covered under the same policy. The discount will also be applicable to your unmarried children if they are full-time students, aged 18 or above but below 23 and, are making separate PRUchoice Medical application(s) at the same time.
  • No Individual Loading Regardless of Claim Experience
    Risk under PRUchoice Medical is managed on a community pool basis. You shall not be imposed of premium loading because of your claim experience.
  • No Medical Examination is required
    Simply fill in the Application Form and enjoy the peace of mind that is brought by our PRUchoice Medical Insurance. No medical examination is 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.

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.

Remarks

Major Exclusions

  • Treatment arising from war, invasion, civil war, hostilities and act of terrorism
  • Illness or injury which originated before the effective date
  • Pregnancy, miscarriage, abortion, childbirth, birth control and treatment of infertility
  • Treatment arising from abuse of drugs, alcohol, self-inflicted injuries or sexually transmitted diseases
  • Treatment for AIDS or HIV-related conditions which originate during the first five years of insurance
  • Treatment relating to congenital or hereditary conditions or diseases
  • Hospitalization primarily for diagnostic scanning, X-ray examinations unless provided under Section I(15) or for 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.

Product FAQ
Q: Does PRUchoice Medical cover expenses for day case surgeries, like cataract operation, colonoscopy, gastroscopy?
A: Yes, though these surgeries may just take few hours in hospital or even the stay is within day care unit of a hospital or clinic, the medical expenses involved for room and board, surgeon, anaesthetist and operating theatre fee can be reimbursed as according to the benefit items of Basic Hospital and Surgical Plan. Related excess will be covered under the Optional Medical Plus Plan up to 80% of eligible expenses when these amounts have reached the maximum limits under Basic Hospital and Surgical Plan.

Q: Does PRUchoice Medical cover expenses for cancer treatment, like radiotherapy or chemotherapy?
A: Yes. Having been diagnosed as suffered from cancer, the Insured Person may undergo operation to excise the cancer region. The medical expenses involved can be reimbursed as according the benefit items of Basic Hospital and Surgical Plan. After surgery, the Insured Person may need to take chemotherapy or radiotherapy in hospital, day care unit or clinic, such related charges can be covered under the Cancer Treatment.

Q: If client has been diagnosed with renal failure, does PRUchoice Medical provide any coverage?
A: If client has suffered from chronic and irreversible renal failure, he/she requires receiving on-going and regular renal dialysis. In this regard, PRUchoice Medical provides "Renal Dialysis Care" benefit in Basic Hospital and Surgical Plan to cover the charges of haemodialysis or peritoneal dialysis performed during hospital confinement or in day care unit of a hospital or Renal Dialysis centre.

Q: Does PRUchoice Medical cover implant appliance required during the operations?
A: Yes, some common implant appliances, such as the intraocular lens for cataract operation, stent and pacemaker in heart operation, and prosthesis in operation for arthritic joint stiffness, are covered under the Miscellaneous Hospital Services section. When the maximum limits are reached under Basic Hospital and Surgical Plan, the related excess will be covered under the Optional Medical Plus Plan up to 80% of eligible expenses.

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, the Certificate of Insurance 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. In addition, a waiting period of 15 days from the effective date of the Policy is applicable except for treatment relating to bodily injury as a direct result of an accident.

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 age 18.

8. PGHK has the right to adjust premium rates on a community pool basis because of several factors, including PGHK’s claims and persistency experience.

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.