Taking holiday abroad with the beloved ones is a dream for many Hong Kong people. Some of them may even travel frequently for business purpose. Prudential General Insurance Hong Kong Limited (“Prudential”) is pleased to offer you PRUchoice Travel which provides you a comprehensive protection against unexpected accidents occurs during the trip so that you can enjoy a hassle free trip.

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.

The features and premium mentioned below are only applicable to new application on or after 28 September, 2016. 

Insurance Cover at a Glance




Scale of Benefits of Personal Accident Section



 

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

  1. PRUchoice Travel is excess-free.
  2. Popular activities such as bungee jumping, hang-gliding / gliding, hot ballooning, parachuting, sky-diving, scuba diving and winter sports, are 100% covered. The protection under Medical Expenses and Personal Accident is up to HK$1,200,000.
  3. No age limit for single trip cover. For Annual Cover, it covers up to age of 75.
  4. Red and Black Outbound Travel Alert are covered in Cancellation and Curtailment including group tour fee and overseas event admission fee (e.g. theme parks, exhibitions, sports events and music performance).
  5. Terrorist attack is covered.
  6. You can enjoy No Claim Discount and waiver of hospital admission deposit by MedPass China Medical Card for admission to designated hospital in Mainland China by Annual Cover.
  7. Premium for PRUchoice Travel is based on the destination and the duration of your trip. For example, if you go to Japan for 7 days, the premium is less than HK$23 per day. For Annual Cover, premium is just HK$1,680.

Annual Cover
If you are a frequent traveller, no matter for leisure or business purpose, PRUchoice Travel Annual Cover provides you a hassle free comprehensive cover:

  • Up to 90 days for each trip and unlimited number of trip throughout a policy year.
  • Additional cover of China Medical Card Services.
  • No Claim Discount#(NCD) will be entitled upon subsequent renewal year if no claim is being made, reported or arising during the preceding year. If no claim record in the preceding year, you will enjoy 10% NCD at the subsequent renewal. If no claim record in 2 consecutive years, you will enjoy 20% NCD at the subsequent renewal.
  • Policy will be auto-renewed upon expiry every year if premium payment is made by credit card.

Automatic 10 days Extension
If you are unavoidably delayed overseas in the course of the scheduled itinerary (including any delays caused by the issuance of any Outbound Travel Alert(s) during the trip in respect of your planned destination by the Security Bureau of Hong Kong), this insurance cover will be automatically extended for a maximum period of 10 days.

One-Way Cover
If you are leaving Hong Kong on an one-way ticket (e.g. to study abroad or to emigrate), you can choose to take one-way cover for protection for up to seven days after arrival at the country of final destination. (Cover will terminate upon expiry of the period of insurance declared on the Certificate of Insurance if a shorter period is chosen.)

# No Claim Discount will be offered in accordance with the claim record of each Insured Person in the preceding period of insurance. In an Annual Cover for “Insured Person & Family”, No Claim Discount will be given to the Insured Person and his/her spouse only. However, the claim record of an insured dependant/unmarried child shall be deemed and handled as if it was submitted by the Insured Person. Should there be a claim record for two or more persons to be insured in an Annual Cover for “Insured Person & Family”, No Claim Discount will not be offered to the whole policy at renewal. 

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




Definitions: 

  1. "Children" refers to the insured person's dependent and unmarried children who are aged 17 or below.
  2. "Insured Person & Family" refers to the Insured Person, his/her legally married spouse, dependent and unmarried children who are aged 17 or below.
# No Claim Discount will be offered in accordance with the claim record of each Insured Person in the preceding period of insurance. In an Annual Cover for “Insured Person & Family”, No Claim Discount will be given to the Insured Person and his/her spouse only. However, the claim record of an insured dependant/unmarried child shall be deemed and handled as if it was submitted by the Insured Person. Should there be a claim record for two or more persons to be insured in an Annual Cover for “Insured Person & Family”, No Claim Discount will not be offered to the whole policy at renewal. 

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.

Main Exclusions

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 specimen copy of the Policy and a copy of your completed Application Form will be supplied on request.
  3. All benefits and exclusions are only briefly outlined here. For further details, please refer to the Certificate of Insurance and the Insurance Policy.
  4. The insurance is only valid for trips originating from Hong Kong. Cheque payment must accompany this Application Form. No refund premium is allowed once the Certificate of Insurance has been issued.
  5. The application form must be signed by a person who has attained age 18 or above.

Warranty:

The Applicants warrant that they are not travelling contrary to the advice of a Registered Medical Practitioner, or for the purpose of obtaining medical treatment. The Applicants also warrant that they are not travelling for migration (unless One-Way Cover is taken out).

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.