Enhance your medical coverage with our top-up plan

We understand that you deserve quality healthcare service throughout your work life and retirement, and we know that you demand for a plan that will enhance your existing medical protection and save you from paying substantial hospital expenses. This is why we offer PRUhealth secure top-up plan, which supplements your existing group or individual medical plan(s) (“other medical plan(s)”) by reimbursing1 90% of eligible medical expenses2 that are in excess of your existing coverage and provides you with guaranteed conversion and guaranteed whole life renewal3.

Plan highlights

  1. Please refer to the “Benefit Calculation” under the Benefit Schedule for details of the reimbursement amount.
  2. Eligible medical expenses refer to expenses incurred from treatments, medical services, surgical procedures and/or operations covered by this plan on the basis that they are medically necessary and not exceeding reasonable and customary charges. For details of how we define medically necessary and reasonable and customary charges as well as other terms and conditions of the plan, please refer to the above More about PRUhealth secure top-up plan section as well as a specimen of the plan’s policy.
  3. The plan guarantees whole life renewal subject to the Lifetime Limit as described in item (8) of this Remarks section. Premium rates are yearly adjustable based on the risk class (including but not limited to age, gender, deductible and room level) and attained age of the life assured at the time of policy application/renewal which are not guaranteed. Prudential will determine the relevant premium rates based on several factors, such as our claims and persistency experience, medical price inflation, projected future medical costs and any applicable changes in benefit.
  4. The age of 1 (age next birthday) means that the life proposed must be at least 30 days old when the proposal form is signed.
  5. The Life Assured may convert the plan into another designated reimbursement-type medical plan that is available from Prudential at the time of conversion. For details of these plans, please refer to respective brochures. All the special terms and conditions including any loadings and exclusions of this plan shall automatically apply to the converted medical plan. The premium of the converted plan is determined by reference to its own premium rates and the age of the life assured at the time of conversion and the benefit level of the converted plan must be at the same or lower level of the original plan. The original plan will be terminated immediately upon the conversion.
  6. Deductible is the portion of cost for which the life assured is himself/herself liable to pay. It applies for each instance of confinement. Please refer to the Benefit Schedule for options of the deductible amount.
  7. Lifetime Limit means the absolute cap on all amounts payable in aggregate from this plan for the lifetime counting from the policy anniversary which immediately follows the 74th birthday of the life assured. Once this limit is in effect, this plan shall be immediately terminated when the absolute cap has been reached Lifetime Limit applies to term I to IV listed in the Benefit Schedule.


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.



PRUhealth secure top-up plan 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.