As a valuable part of your Company, you should have been protected by your employer with basic medical coverage of group medical insurance. Yet, if you suffer from illness or come across accidents unfortunately, the protection offered under group medical insurance may not be sufficient to cover all expensive medical expenses, or eventually, the coverage will be ceased automatically after your resignation. Hence, choosing an individual medical plan on top of the group medical insurance is vital. Prudential is pleased to offer you PRUchoice MediExtra Medical Insurance which ensures you and your family to attain a more comprehensive health protection.

In view of the surging medical inflation, having only one medical insurance may no longer be sufficient. Prudential General Insurance Hong Kong Limited is pleased to offer PRUchoice MediExtra Medical Insurance application for those currently covered by any personal medical insurance, please click here for more information.

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.

Eligibility

You and your family members covered as dependant(s)* can apply for PRUchoice MediExtra should you and your family members are:-

-          currently covered by a group medical insurance

-          aged 64 or below

*Dependants refer to your spouse and any unmarried child aged between 15 days and 18 years old (or aged below 23, when they are under full time education with valid proof)

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.

Features

Valid for application submitted on or after 22 June 2016. 

Note for Basic Top Up Medical Plan

  a1. The benefits of this Section will be pro-rated if the room & board is upgraded. Adjustment factor for room upgrade: from semi-private to private: 50%/ from ward bed to semi-private: 50%/ from ward bed to private: 25%
  a2. Except for overseas emergency treatment certified by a Physician, Basic Top Up Medical Plan is applicable to in-patient hospitalization in Hong Kong only.
  a3. At the time of application, the Insured Person and his/her family member (if applicable) must be covered by a group medical insurance provided by an employer or any individual medical insurance. Each of them has to submit a proof for the validity, which is any one of the following: a copy of a group medical insurance membership card, a confirmation letter issued by the employer stating the name of the group medical insurance company, a copy of the latest anniversary statement or renewal notice stating the insurance period and the name of insurance company issued by the individual medical insurance company. If you are a civil servant, please provide one of the following only: a copy of staff card, a copy of employment letter or a copy of recent pay slip. Please also provide relationship proof when applying for dependant(s). The member of Prudential’s Group Medical insurance or PRUchoice Medical insurance would be waived for the submission of relevant proofs.
  a4. Whenever there is a claim, the Insured Person shall first claim against the group medical insurance provided by his/her employer or his/her own individual medical insurance and the remaining eligible medical expenses shall be covered by this plan subject to the deductible.

Note for Optional Hospital and Surgical Plan

  b1. As a supplement to the normal benefit under Section I (1), Prudential will pay an additional benefit to the amount shown for hospital charges necessitated by an intensive care phase of critical illness.
  b2. Should the Insured Person and his/ her family member(s) (if applicable) want to buy back Optional Hospital & Surgical Plan within 45 days after resignation, the Insured Person and his/ her family member(s) (if applicable) must have successfully insured with Basic Top Up Medical Plan and submit a reference letter of the resignation issued by the employer at the time of buying back Optional Hospital and Surgical Plan.
  b3. Should the Insured Person insure with Basic Top Up Medical Plan and Optional Hospital and Surgical Plan simultaneously, the deductible under Basic Top Up Medical Plan shall not be applicable.

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

No Claim Premium Refund
In the event of no claim being made, submitted reported or arising under the Policy for every period of 3 full consecutive policy years, we will pay you back a No Claim Premium Refund equal to 15% of premium paid during the 3 policy years after the end of that 3-year period.

Standalone Basic Top Up Medical Plan
You can insure with standalone Basic Top Up Medical Plan even if you may have been covered by group medical insurance.

Flexibility in insuring with Optional Hospital & Surgical Plan
You can apply for or buy back Optional Hospital and Surgical Plan at the time of newly insuring with Basic Top Up Medical Plan or within 45 days after your resignation at your needs flexibly. Should you opt to buy back within 45 days after your resignation, you could obtain a comprehensive medical coverage without the need to provide an updated health declaration.

24 Hours Emergency Assistance Services
Assistance Services with unlimited cover for worldwide emergency medical evacuation and repatriation to Hong Kong are provided by IPA Alarm Centre free of charge.

Guaranteed Renewal (Applicable to all plans) and Lifetime Worldwide protection (Only applicable to Optional Hospital and Surgical Plan
Once you have taken out PRUchoice MediExtra Medical Insurance you can enjoy a protection, no matter Basic Top Up Medical Plan or Optional Hospital and Surgical Plan, which is guaranteed renewable protection regardless of your health condition, and premium is referred to Table of Premium as stated in Table of Benefit for that particular renewal year. Basic Top Up Medical Plan is renewable up to aged 100. For Optional Hospital and Surgical Plan, it provides lifetime worldwide medical coverage.

No Individual Loading Regardless of Claim Experience
Risk under PRUchoice MediExtra is managed on a community pool basis. You shall not be imposed of premium loading because of your claim experience.

Easy to Join
Simply fill in the attached PRUchoice MediExtra Medical Insurance Application Form and enjoy the peace of mind on top of the group medical insurance. No medical examination is required.

This product is underwritten by Prudential General Insurance Hong Kong Limited

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

The below premium is valid for application submitted on or after 22 June 2016.



Note for Table of Premium
^ At age 65 and beyond, the Basic Top Up Medical Plan is for renewal only. To have coverage under Basic Top Up Medical Plan, the Insured Person must insure with both the Basic Top Up Medical Plan and Optional Hospital and Surgical Plan, and these two plans must be renewal together. For Insured Person who only has the Basic Top Up Medical Plan at the age of 65, the Company will automatically issue the Optional Hospital and Surgical Plan upon renewal of the Basic Top Up Medical Plan. Premium for both plans shall then be payable accordingly.
* For renewal only.

Note: Premiums as shown above are for per person covered.

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
  • 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 primary for diagnostic scanning X-ray examinations 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

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 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 lnsurance 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.
  3. A waiting period of 15 days from the effective date of the Policy and the effective date of optional plan subsequently and separately enrolled is applicable except for treatment relating to bodily injury as a direct result of an accident.
  4. A specimen copy of the Policy and a copy of the applicant's completed Application Form will be supplied on request.
  5. All benefits and exclusions are only briefly outlined here. For more details, please refer to the Policy.
  6. The application form must be signed by a person who has attained the age of 18 or above.
  7. The application covers any applicant’s spouse or unmarried child who has not yet attained age 18, and a new application will be needed which is signed and submitted by such applicant’s spouse or unmarried child when he/she has attained the age of 18.
  8. Any bodily injury or sickness which exists prior to the effective date of the policy will not be covered under 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.