PRUhealth medical plus
(HKD 14,000,000 annually) for medical care
Lifetime cover of
HKD 60,000,000
(HKD 14,000,000 annually)
Worldwide (except the USA) cover
Wellness benefit to help monitor your health
Extra rehabilitation benefits
Medical Expenses Direct Billing Service for hospitalisation and day surgeries
With our pre-authorisation, we’ll pay your eligible medical costs directly to private hospitals in Hong Kong and Macau and our designated network medical centres in Hong Kong.
You can also use the Medical Expenses Direct Billing Service in most private hospitals in major cities around the world (except the USA).
Find out more about Medical Expenses Direct Billing Service for hospitalisation and day surgeries
Note: Medical Expenses Direct Billing Service for hospitalisation and day surgeries does not form part of the plan.
Medical Expenses Direct Billing Service for hospitalisation and day surgeries is provided by our designated third- party service provider. We maintain sole discretion to change the scope of the service and the service provider from time to time without advance notice. We may also cease and/or suspend the service at our sole discretion.
Medical Green Channel
This service offers you:
- Priority booking for outpatient and/or hospitalisation appointment at Medical Green Channel’s selected hospitals in Mainland China
- Dedicated case manager to follow up on your entire service journey
- Escort staff to assist you on the registration process for outpatient and/or hospitalisation service on your treatment day
Find out more about Medical Green Channel
Note: Medical Green Channel service does not form part of the plan.
Medical Green Channel service is provided by our designated third-party service provider. We maintain sole discretion to change the scope of the service (including the list of Medical Green Channel hospitals) and the service provider from time to time without advance notice. We may also cease and/or suspend the service at our sole discretion.
SmartAppoint Service
This service enables you to set up an instruction for a designated family member in advance to file and access claims on your behalf if you become mentally incapacitated, providing you with immediate financial relief, just when it matters the most.
Find out more about SmartAppoint Service
Note: SmartAppoint Service does not form part of the plan.
Treatment Sure
This service offers you:
- Global expert’s second medical opinion
- Medical concierge service for overseas treatment
- Dedicated physician case managers who speak your language and guide you through your entire medical journey to recovery
Find out more about Treatment Sure service
Note: Treatment Sure service does not form part of the plan.
Treatment Sure service is provided by our designated third-party service provider. We maintain sole discretion to change the scope of the service and the service provider from time to time without advance notice. We may also cease and/or suspend the service at our sole discretion.
24-hour Worldwide Emergency Assistance Services
This service offers you emergency evacuation and repatriation cover if you suffer from a serious injury or illness overseas.
Find out more about 24-hour Worldwide Emergency Assistance Services
Note: 24-hour Worldwide Emergency Assistance Services does not form part of the plan.
24-hour Worldwide Emergency Assistance Services is provided by our designated third- party service provider. We maintain sole discretion to change the scope of the service and the service provider from time to time without advance notice. We may also cease and/or suspend the service at our sole discretion.
Learn more
Plan options
- Option 1: 100% coverage without annual deductibles
- Option 2: 100% coverage with HKD 10,000 annual deductible
- Option 3: 100% coverage with HKD 20,000 annual deductible
- Option 4: 100% coverage with HKD 50,000 annual deductible
- Option 5: 90% coverage without annual deductibles - you need to pay 10% of any eligible claim
An annual deductible is the fixed amount you pay for the eligible medical expenses in a policy year before PRUhealth medical plus starts to pay. Each policy year we automatically re-set your annual deductible.
Flexibility to tailor cover or deductibles
You can switch to a lower annual deductible or between plan options, 1 time in your life, on the anniversary of your policy when you reach 51, 56, 61 or 66 (age next birthday [ANB]) – with no need for a medical examination.
Family premium waiver for 12 months
If the life assured is diagnosed with cancer, we will waive this plan's premiums due in the next 12 months.
We will also waive their family member's premiums for 12 months, if they are covered by this plan for at least 1 year.
In-depth protection against cancer
Treating cancer effectively often needs more than just surgery. That's why you are also entitled to the following:
- Non-surgical cancer treatments
- Genetic testing prior to targeted therapy
- Personalised cancer drugs
Important information
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.
Notes
PRUhealth medical plus is underwritten by Prudential Hong Kong Limited or Prudential Hong Kong Limited (Macau Branch) (“Prudential”). You can always choose to take out this plan as a standalone plan without enrolling with other type(s) of insurance product at the same time, unless such plan is only available as a supplementary benefit which needs to be attached to a basic plan. This document does not contain the full terms and conditions of this plan and 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 this brochure. For further details, including procedures for making claims and terminating policies and the full 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 or Macau only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong or Macau. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong or Macau where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.
