A regular monthly payout to help with long-term care

Good health is an invaluable asset to all of us. If a misfortune such as an accident or a serious illness occurs so that longterm care is required, you and your family will be burdened both emotionally and financially. The Long Term Care Benefit is designed to provide the person covered by the policy (the “Life Assured”) with regular monthly benefit1 so as to lessen the financial burdenshould he/she be unable to take care of himself/herself by performing daily activities2, thus allowing the Life Assured tohave a carefree recovery.

Long Term Care Benefit at a glance

Long Term Care Benefit - available to those aged between 46 and 75 ANB; guaranteed renewable, enabling protection up to age 100 ANB; 3 levels of monthly benefit options and 2 options of benefit payment term (5 years or whole life) available; medical check-up for the Life Assured every 2 years; can still enjoy the coverage even resided in foreign countries in the future; premium be waived as long as the Monthly Benefit is being paid; can ride on our selected with-profit life insurance plans giving you a combination of living benefits and life protection


1 In the event that the Life Assured is suffering from Dysfunction (unable to perform at least 3 Daily Activities as certified by a registered doctor) continuously for more than 90 days (Deferred Period), the monthly benefit will be payable from the end of the Deferred Period until: i) the end of the benefit payment term; or ii) the Life Assured recovers from Dysfunction; or iii) the Life Assured dies; whichever is the earliest.

2 Daily Activities include Washing, Dressing, Feeding, Toileting, Transferring and Mobility. Please refer to the policy for definition of each Daily Activity.

3 The premium will be adjusted according to the premium rate and age of the Life Assured (age next birthday) at the time of renewal.

4Currently, the medical check-up includes the following major items:
(1) Physical Examination; (2) Urinalysis; (3) Chest X-ray; (4) Electrocardiogram; (5) Complete Blood Picture; (6) Blood Glucose; (7) Bone Metabolism; (8) Total Cholesterol and HDL-Cholesterol; (9) Liver Function; (10) Thyroid Function; (11) Uric Acid; (12) Renal Function. Prudential Hong Kong Limited shall determine thecontents of the medical check-up from time to time.


During the sales process, this document should be read in conjunction with the relevant product brochure. For full terms and conditions, and risk disclosures of the relevant insurance plan, please refer to relevant product brochure and policy document and read carefully.


Long Term Care Benefit is underwritten by Prudential Hong Kong Limited (“Prudential”). This document is for reference only. It does not represent a contract between Prudential and anyone else. You should read carefully the risk disclosures and key exclusions (if any) contained in the product brochure. For further details and the terms and conditions of this plan, please ask Prudential for a sample of the policy document.

Prudential has the right to accept or decline any application based on the information provided by the policyholder and/or life assured in the application.

Please cross your cheque and make it payable to “Prudential Hong Kong Limited”.

This document is for distribution in Hong Kong only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.