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Critical illness In Focus

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Plan highlights

PRUhealth critical illness multi-care prestige protects you with multi-claim critical illness and life cover – both in one plan. With protection against 126 disease conditions, you can make multiple claims and still be protected by the life cover. We will even care for you in your own home to aid recovery. We also safeguard your children with our dedicated children's triple protection.

Financial protection against 126 disease conditions with multi-claim cover

300% protection for cancer and 200% protection for each of heart and nervous system-related illnesses

Coverage for early stage major disease conditions, including pre-cancerous conditions

100% of life protection renewed after a major disease claim

50% extra protection for the first major disease claim or death claim within the first 10 years

Up to 10% extra protection for surgical removal of covered benign tumours

Premium waiver of 12 months after an early stage major disease claim or of all future premiums after a major disease claim

Protection and long-term savings in one plan

Holistic homecare services to support in-home recovery

 

Triple protection designed for your child's policy

  • Up to 20% extra protection for designated developmental disorder conditions

  • Covers against disease conditions related to congenital diseases or developmental disorders

  • Waives all future premiums of your child's policy if you pass away

The benefits

1. Financial protection against 126 disease conditions with multi-claim cover

We offer financial protection against 126 disease conditions, including 60 Early Stage Major Disease Conditions, 56 Major Disease Conditions, 9 Developmental Disorder Conditions and 1 Benign Disease Condition.

If the person covered by the policy (the "life assured") is diagnosed with one of the 56 covered Major Disease Conditions, we will pay a lump sum of up to 100% of the current sum assured as the Major Disease Benefit

You can make multiple claims among Early Stage Major Disease Conditions and Major Disease Conditions under 6 different Disease Groups, each with different benefit limits as shown below.  

For instance, before the life assured reaches age 86 (age next birthday [ANB]), you can claim up to 3 times for Cancer – up to a total of 300% of the current sum assured; you can also claim up to twice for Heart Attack and up to twice for Stroke

Or, if we have not already paid out 100% of the current sum assured, and the life assured unfortunately dies, we will pay a lump sum of up to 100% of the current sum assured as a Death Benefit.

You can find the full list of the disease conditions we cover and how we cover them in the "List of disease conditions the plan covers" and "Benefit schedule" sections below.

2. Coverage for early stage major disease conditions, including pre-cancerous conditions

We will pay up to 20% or 25% of the current sum assured of your PRUhealth critical illness multi-care prestige for Early Stage Major Disease Conditions, depending on the Early Stage Major Disease Condition with which the life assured is diagnosed.

You can claim up to a maximum of 2 times for each of Carcinoma-in-situ (a pre-cancerous condition) and Coronary Angioplasty, where each claim can pay up to 25% of the current sum assured. You can also claim up to 25% of the current sum assured once for each of Early Thyroid or Prostate Cancer and Less Aggressive Malignancy. The other 56 covered Early Stage Major Disease Conditions can be claimed once for each and for up to 20% of the current sum assured.

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3. 100% of life protection renewed after a major disease claim

With modern medical technology, many critical illnesses are now curable. Recovering means recuperating with a loving family around, going on to live a meaningful life and taking care of your family in turn. With 100% of your life cover still in place, you can be sure they are protected well into the future.

That's because the plan offers a first-in-market Renewed Life Protection Benefit. Your plan's life cover stays intact even after a major disease claim. After the life assured has survived for 1 year after the first major disease claim, we will pay 100% of the current sum assured if they unfortunately pass away.

Alternatively, we will pay this benefit if the life assured unfortunately passes away 1 year after the total claimed amount for Early Stage Major Disease Benefit first reaches 100% of the current sum assured.

We will terminate this benefit when the life assured reaches age 86 (ANB).

4. 50% extra protection for the first major disease claim or death claim within the first 10 years

For added protection, we offer a Critical illness prestige enhancer that gives you an extra 50% of the current sum assured of your PRUhealth critical illness multi-care prestige.

When the life assured is covered by this Critical illness prestige enhancer, we will pay this one-off, extra protection for the first Major Disease Benefit claim or death claim you make within the first 10 years of your plan.

If no claims have been made under the plan, you can convert your Critical illness prestige enhancer to a new life insurance plan with a cash value (that we will specify at the time of conversion) for the life assured, within 1 month before or after the Critical illness prestige enhancer ends without the need to give us any health information.

5. Up to 10% extra protection for surgical removal of covered benign tumours

After the diagnosis of a tumour, the fear of cancer can be very real. But even with modern medical advances, surgically removing a tumour may be the only way doctors can confirm it as benign. Although it is a relief to have a benign diagnosis, the surgery needed is often invasive, and financial worries, including lost income, can still mount up while the life assured is trying to make a full recovery. That's why the plan offers up to an extra 10% of the current sum assured of your PRUhealth critical illness multi-care prestige if the life assured has a tumour that a doctor suspects to be malignant; and can only be confirmed as benign by complete surgical removal.

You can find the full list of the benign tumours we cover and how we cover them in the "Benefit schedule" section below.

6. Relieves your premium payments with premium waiver benefits

We waive your premium payments to ease your financial burden if any of these things happens:

Early Stage Critical Illness Premium Waiver Benefit

Once we have paid the Early Stage Major Disease Benefit or Child's Developmental Care Extra Benefit for a Severe Developmental Disorder Condition, we will waive the premiums of yourPRUhealth critical illness multi-care prestige falling due in the next 12 months.

Critical Illness Premium Waiver Benefit

Once the total claimed amount for Early Stage Major Disease Benefit and/or Major Disease Benefit reaches 100% of the current sum assured, we will waive all future premiums of your PRUhealth critical illness multi-care prestige for continuous protection until the life assured reaches age 86 (ANB).

7. Holistic homecare services to support in-home recovery

Recovery and rehabilitation can be quicker in the comfortable and familiar surroundings of home, with loved ones nearby. PRUhealth critical illness multi-care prestige offers Home Care Service that is distinctive in the market.

Once we pay your first Major Disease Benefit claim, we give the life assured access to Home Care Service from our designated service provider that offers professional, holistic in-home support with value up to HKD20,000, if the current sum assured of your PRUhealth critical illness multi-care prestige reaches USD 50,000 / HKD 400,000 or more.

Examples of in-home support could include home nursing and even a range of therapies conducted at home such as physiotherapy, speech therapy and occupational therapy. The in-home support starts with a care plan tailor-made by a personal care manager assigned by our designated service provider. Periodic reassessment is available at your own choice to ensure the care plan keeps up with the life assured's needs as their health improves.

We may change the Home Care Service from time to time at our sole discretion without prior notice. There is more information in the "Home Care Service" section under "More about PRUhealth critical illness multi-care prestige".

8. Illness prevention with wellness and screening programmes

The plan also offers a Wellness Benefit with access to high quality health detection resources. On your 2nd policy anniversary, you can choose one of our wellness and screening programmes to help the life assured identify potential health risks and proactively protect against diseases. Below are some examples of the wellness and screening programmes available for selection.

Wellness and screening programmes
Current sum assured of PRUhealth critical illness multi-care prestige
From USD 50,000 / HKD 400,000 to below USD 100,000 / HKD 800,000 USD 100,000 / HKD 800,000 or above
Wellness and prevention
  • Obesity prevention:
    dietitian consultation (1 visit) and follow-up for weight reduction
  • Smoking cessation programme
  • Vaccination programme
Cancer screening
  • Breast cancer screening: ultrasonography of breasts and mammogram
  • Premier breast cancer screening:
    ultrasonography of breasts and 3D mammogram
  • Prostate cancer screening
Genetic screening
  • Know your genetic composition: Pharmacogenomics or Nutrigenomics
  • Atopic disease screening
Other tests and screening plans
  • Hepatitis B screening
  • Home sleeping study
  • Cardiovascular risk profiling
  • Vision care examination

We may change the items in the wellness and screening programs from time to time at our sole discretion without prior notice. There is more information in the "Wellness Benefit" section under "More about PRUhealth critical illness multi-care prestige".

9. Protection and long-term savings in one plan

Besides offering in-depth protection, PRUhealth critical illness multi-care prestige is a Shareholder-backed Participating Plan providing long-term savings value. We will pay a guaranteed cash value when you surrender the policy on or after the 3rd policy anniversary.

We may also pay a non-guaranteed one-off bonus – the Special Bonus – when you surrender your policy, or make a claim for the Death Benefit, or when the total claimed amount for Early Stage Major Disease Benefit and/or Major Disease Benefit first reaches 100% of the current sum assured on or after the 5th policy anniversary.

Please also refer to our brochure on Shareholder-backed Participating Plan available at www.prudential.com.hk/shareholderpar for more information (such as investment philosophy and bonus philosophy) on your Shareholder-backed Participating Plan and the operation of the Shareholder-backed Participating Fund.

10. Supplementary benefits to extend your coverage

You can choose from a range of supplementary benefits to help tailor your plan. By paying additional premiums, you can cover the life assured against extra medical expenses and accidents.

Triple protection for your child as the life assured

Up to 20% extra protection for designated developmental disorder conditions

As a parent, you want to give your child the best support as they grow and develop. Likewise, you will want to have help on hand if they are coping with a developmental disorder condition – like Attention Deficit / Hyperactivity Disorder (ADHD) or other developmental disorders. Getting proper cover is vital for your child to receive appropriate help, accessible at the right time, and get them back on track early at school.

That's why, PRUhealth critical illness multi-care prestige offers a first-in-market Child's Developmental Care Extra Benefit. It offers up to an extra 20% of the current sum assured of your PRUhealth critical illness multi-care prestige if your child is diagnosed with any of the covered Developmental Disorder Conditions before they reach age 19 (ANB), depending on the severity of the condition.

You can find the full list of the Developmental Disorder Conditions we cover and how we cover them in the "List of disease conditions the plan covers" and "Benefit schedule" sections below.

Covers against disease conditions related to congenital diseases or developmental disorders

Many parents worry about their child having a congenital disorder which may develop into a critical illness later on. To ensure that your child is protected, the plan covers disease conditions related to congenital diseases or developmental disorders, if these congenital diseases or developmental disorders or their signs and symptoms are undetected before we issue the policy and within the first 90 days (or within the first 180 days for Less Severe Developmental Disorder Conditions) after we have issued the policy.

Waives all future premiums of your child's policy if you pass away

If the worst happens and you, as the plan's policyholder, die, we will waive all future premiums of your child's PRUhealth critical illness multi-care prestige, starting from the next due premium, so that your child stays covered.

We give this Parental Premium Waiver Benefit to policyholders aged between 19 and 51 (ANB) who take out the plan for a child aged between 1 and 18 (ANB). Also, the policy needs to have been in force for at least 2 years at the time of the policyholder's death (except for death caused by an accident). You do not need to provide any medical information or undergo any medical tests to be eligible.

Remarks

The statements we have made above about the benefits of our plan being first-in-market and distinctive-in-market are based on comparing it with other critical illness plans issued by Hong Kong's major life insurance companies as at 31 July 2018.

You can find more about these benefits in the "Benefit schedule" and "More about PRUhealth critical illness multi-care prestige" sections below.

Benefit schedule

Before the life assured reaches age 86 (ANB)

Benefits Coverage Maximum number of claims per condition When you make
a claim:
Early Stage Major Disease Benefit Carcinoma-In-Situ 25%
of current sum assured of PRUhealth critical illness multi-care prestige
2 1. PRUPRUhealth critical illness multi-care prestige claims can be made up to the respective Disease Group's Benefit Limit.

2.There is a USD 50,000/HKD 400,000 per life limit for each of the 19# designated Early Stage Major Disease Conditions under all PRUhealth critical illness multi-care prestige plan(s) for the same life assured.

3. We will pay the face value of Special Bonus^ (if any) only once when the total claimed amount+ under PRUhealth critical illness multi-care prestige first reaches 100% of the current sum assured.

4. If more than 1 Early Stage Major Disease Condition and/or Major Disease Condition are diagnosed at the same time, we will limit the benefit we pay for these to 100% of your current sum assured.
Coronary Angioplasty 2
Early Thyroid or Prostate Cancer 1
Less Aggressive Malignancy 1
The other 56 Early Stage Major Disease Conditions 20%
of current sum assured of PRUhealth critical illness multi-care prestige
Each disease condition: 1
Major Disease Benefit 100%
of current sum assured of PRUhealth critical illness multi-care prestige
+
100%
of current sum assured of Critical illness prestige enhancer
(if applicable)
Cancer: 3
Heart Attack: 2;
Stroke: 2
&
each remaining disease condition: 1
Benign Tumour Extra Benefit Benign Tumour Group 1: Surgical excision of covered benign tumour of breast, ovary or uterus*

*Only endometrial polyps are covered
Extra 5%
of current sum assured of PRUhealth critical illness multi-care prestige
Covered Benign Tumour of each organ: 1 1. There is a USD10,000/HKD80,000 per life limit for the Benign Tumour Group 1 in respect of each organ and a USD 20,000/HKD 160,000 per life limit for the Benign Tumour Group 2 in respect of each organ under all PRUhealth critical illness multi-care prestige plan(s) for the same life assured.

2. Benign Tumour Extra Benefit can be claimed up to 10% of the current sum assured or USD 20,000 / HKD160,000 under all PRUhealth critical illness multi-care prestige plan(s) for the same life assured, whichever is lower.

3. We will pay the Benign Tumour Extra Benefit as long as the plan is in force, regardless of whether other benefits have been paid.
Benign Tumour Group 2: Surgical excision of covered benign tumour of adrenal gland, bone, kidney, liver, lung, nerve in cranium or spine, pancreas, pituitary gland or testis Extra 10%
of current sum assured of PRUhealth critical illness multi-care prestige
[First-in-market]
Child's Developmental Care Extra Benefit
Less Severe Developmental Disorder Conditions Extra 5%
of current sum assured of PRUhealth critical illness multi-care prestige
1 1. There is a USD 10,000 / HKD 80,000 per life limit for all Less Severe Developmental Disorder Conditions;  a USD 50,000 / HKD 400,000 per life limit for all Severe Developmental Disorder Conditions under all PRUhealth critical illness multi-care prestige plan(s) for the same life assured.

2. Child's Developmental Care Extra Benefit can be claimed up to 20% of the current sum assured or USD 50,000 / HKD 400,000 under all PRUhealth critical illness multi-care prestige plan(s) for the same life assured, whichever is lower.

3. We will only pay the Child's Developmental Care Extra Benefit once for Severe Developmental Disorder Conditions and once for Less Severe Developmental Disorder Conditions.
4. Coverage ends when the life assured reaches age 19 (ANB) or when we have paid the Child's Developmental Care Extra Benefit for a Severe Developmental Disorder Conditions.
Severe Developmental Disorder Conditions Extra 20%
of current sum assured of PRUhealth critical illness multi-care prestige
1
Death Benefit 100%
of current sum assured of PRUhealth critical illness multi-care prestige
+
100%
of current sum assured of Critical illness prestige enhancer
(if applicable)
1. We will deduct the total claimed amount+ under PRUhealth critical illness multi-care prestige and Critical illness prestige enhancer.

2. We will pay the face value of Special Bonus^ (if any) only once.
[First-in-market]
Renewed Life Protection Benefit
Renew 100%
of current sum assured of PRUhealth critical illness multi-care prestige as life protection
1. We will only pay the Renewed Life Protection Benefit if the life assured dies 1 year after the date of diagnosis of the Disease Condition that brings the total claimed amount+ under PRUhealth critical illness multi-care prestige first reaches 100% of the current sum assured.

2. Coverage ends when the life assured reaches age 86 (ANB).
Surrender Value Guaranteed Cash Value@ 1. We will deduct the total claimed amount+ under PRUhealth critical illness multi-care prestige.

2. We will pay the cash value of Special Bonus^ (if any) only once.

On or after the life assured reaches age 86 (ANB)

The plan offers whole-of-life protection if the total claimed amount+ is less than 100% of the current sum assured of PRUhealth critical illness multi-care prestige on or after the life assured reaches age 86 (ANB). We will then continue the policy with the above benefit schedule until the total claimed amount+ reaches 100% of the current sum assured.

Remarks

# The limit applies to selected Early Stage Major Disease Conditions, including Carcinoma-in-situ, Coronary Angioplasty, Dengue Haemorrhagic Fever, Early Thyroid or Prostate Cancer, Insulin Dependent Diabetes Mellitus, Juvenile Huntington Disease, Kawasaki Disease, Less Aggressive Malignancy, Marble Bone Disease (Osteopetrosis), Osteogenesis Imperfecta, Rheumatic Fever with Valvular Impairment, Severe Asthma, Severe Central or Mixed Sleep Apnoea, Severe Epilepsy, Severe Haemophilia, Severe Obstructive Sleep Apnoea, Severe Psychiatric Illness, Systemic Juvenile Rheumatoid Arthritis and Type I Juvenile Spinal Amyotrophy.

^ The Special Bonus is a one-off non-guaranteed bonus. Please refer to "Special Bonus" in the "More about PRUhealth critical illness multi-care prestige" section for details.

+ The total claimed amount mentioned in the above table refers to the total amount of Early Stage Major Disease Benefit and Major Disease Benefit paid and/or payable. We will deduct any outstanding loans and interest from all benefits payable under PRUhealth critical illness multi-care prestige, except for the payment of Benign Tumour Extra Benefit, Child's Developmental Care Extra Benefit and Renewed Life Protection Benefit.

@ Please refer to "Surrender Value" in the "More about PRUhealth critical illness multi-care prestige" section for details.

List of disease conditions the plan covers

  Early Stage Major Disease Conditions Major Disease Conditions
Disease Groups
Coverage for whole life1 unless specified
Cancer
  1. Carcinoma-in-situ2,3
  2. Early Thyroid or Prostate Cancer3,4
  3. Less Aggressive Malignancy3,5
  1. Cancer6
Illnesses related to the Heart
  1. Aortic Aneurysm
  2. Coronary Angioplasty3
  3. Insertion of Cardiac Defibrillator
  4. Insertion of Cardiac Pacemaker
  5. Insulin Dependent Diabetes Mellitus3 (cover from age 1 - 18 [ANB])
  6. Kawasaki Disease3 (cover from age 1 - 18 [ANB])
  7. Less Severe Cardiomyopathy
  8. Less Severe Infective Endocarditis
  9. Percutaneous Heart Valve Surgery
  10. Pericardectomy
  11. Rheumatic Fever with Valvular Impairment3 (cover from age 1 - 18 [ANB])
  12. Transmyocardial Laser Revascularisation
  1. Cardiomyopathy
  2. Coronary Artery Disease Requiring Surgery
  3. Heart Attack
  4. Heart Valve and Structural Surgery
  5. Infective Endocarditis
  6. Primary Pulmonary Arterial Hypertension
  7. Surgery to the Aorta
Illnesses related to the Nervous System
  1. Carotid Endarterectomy and Angioplasty and Stenting for Carotid Arteries
  2. Cerebral Arteriovenous Malformation Requiring Surgery
  3. Cerebral Shunt Insertion
  4. Early Spinal Muscular Atrophy
  5. Early Stage Dementia including Early Stage Alzheimer's Disease
  6. Endovascular Treatment for Cerebral Aneurysm
  7. Juvenile Huntington Disease3 (cover from age 1 - 18 [ANB])
  8. Less Severe Bacterial Meningitis
  9. Less Severe Coma
  10. Less Severe Viral Encephalitis
  11. Moderately Severe Muscular Dystrophy
  12. Moderately Severe Myasthenia Gravis
  13. Severe Psychiatric Illness3
  14. Surgery for Subdural Haematoma
  15. Surgical Removal of Pituitary Tumour
  16. Type I Juvenile Spinal Amyotrophy3 (cover from age 1 - 18 [ANB])
  1. Alzheimer's Disease
  2. Amyotrophic Lateral Sclerosis
  3. Apallic Syndrome
  4. Bacterial Meningitis
  5. Benign Brain Tumour
  6. Brain Surgery
  7. Coma
  8. Creutzfeldt-Jacob Disease (CJD)
  9. Encephalitis
  10. Major Head Trauma
  11. Meningeal Tuberculosis
  12. Motor Neurone Disease
  13. Multiple Sclerosis
  14. Muscular Dystrophy
  15. Paralysis
  16. Parkinson's Disease
  17. Poliomyelitis
  18. Progressive Bulbar Palsy
  19. Progressive Supranuclear Palsy
  20. Severe Myasthenia Gravis
  21. Spinal Muscular Atrophy
  22. Stroke
Illnesses related to the Major Organs and Functions
  1. Acute Necrotizing Pancreatitis
  2. Amputation of One Foot due to Complication from Diabetes Mellitus
  3. Biliary Tract Reconstruction Surgery
  4. Chronic Lung Disease
  5. Dengue Haemorrhagic Fever3 (cover from age 1 - 18 [ANB])
  6. Endovascular Treatment of Peripheral Arterial Disease
  7. Hepatitis with Cirrhosis
  8. Insertion of a Vena-cava filter
  9. Less Severe Kidney Disease
  10. Less Severe Systemic Lupus Erythematosus
  11. Liver Surgery
  12. Loss of One Limb
  1. Chronic Liver Disease
  2. Chronic Relapsing Pancreatitis
  3. End Stage Lung Disease
  4. Kidney Failure
  5. Major Organ Transplantation
  6. Necrotising Fasciitis
  7. Severance of Limbs
  8. Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
Terminal Illness and Disabilities -
  1. Loss of Independent Existence (cover from age 1 - 65 [ANB])
  2. Terminal Illness
  3. Total and Permanent Disability (cover from age 1 - 65 [ANB])
Other Illnesses
  1. Cochlear Implant Surgery
  2. Diabetic Retinopathy
  3. Facial Reconstructive Surgery for Injury and Burns due to Accident
  4. Less Severe Burns to Body due to Accident
  5. Less Severe Crohn's Disease
  6. Loss of Hearing in One Ear
  7. Loss of Sight of One Eye
  8. Marble Bone Disease (Osteopetrosis)3 (cover from age 1 - 18 [ANB])
  9. Osteogenesis Imperfecta3 (cover from age 1 - 18 [ANB])
  10. Osteoporosis with Fractures (cover from age 1 - 70 [ANB])
  11. Pheochromocytoma
  12. Severe Asthma3 (cover from age 1 - 18 [ANB])
  13. Severe Central or Mixed Sleep Apnoea3
  14. Severe Epilepsy3
  15. Severe Haemophilia3 (cover from age 1 - 18 [ANB])
  16. Severe Obstructive Sleep Apnoea3
  17. Systemic Juvenile Rheumatoid Arthritis3 (cover from age 1 - 18 [ANB])
  1. AIDS due to Blood Transfusion
  2. Aplastic Anaemia
  3. Blindness
  4. Crohn's Disease
  5. Deafness
  6. Ebola
  7. Elephantiasis
  8. Fulminant Viral Hepatitis
  9. Loss of Speech
  10. Major Burns
  11. Medullary Cystic Disease
  12. Occupationally Acquired HIV
  13. Severe Rheumatoid Arthritis
  14. Severe Ulcerative Colitis
  15. Systemic Scleroderma
  Developmental Disorder Conditions
Disease Groups
Coverage from age 1-18 (ANB) unless specified
Less Severe Developmental Disorder Conditions
  1. Attention Deficit  / Hyperactivity Disorder  (ADHD)
  2. Language Disorder
  3. Less Severe Autism Spectrum Disorder
  4. Less Severe Intellectual Disability
  5. Specific Learning Disorder
  6. Stereotypic Movement Disorder
  7.  Tourette Syndrome
Severe Developmental Disorder Conditions
  1. Severe Autism Spectrum Disorder
  2. Severe Intellectual Disability (cover from age 7 – 18 [ANB])
  Benign Disease Condition
Coverage for whole life1
  1. Surgical Excision of Covered Benign Tumour7
Remarks

1 The plan offers whole-of-life protection if you have claimed less than 100% of the current sum assured of PRUhealth critical illness multi-care prestige under Early Stage Major Disease Benefit and/or Major Disease Benefit on or after the life assured reaches age 86 (ANB). We will then continue the policy until the total claimed amount for Early Stage Major Disease Benefit and/or Major Disease Benefit reaches 100% of the current sum assured.

2 Carcinoma-in-situ covers all organs except for Carcinoma-in-situ of the skin (including melanoma-in-situ).

3 There is a USD 50,000/HKD 400,000 per life limit for each of the Early Stage Major Disease Conditions under all PRUhealth critical illness multi-care prestige plan(s) covering the same life assured.

4 Early Thyroid or Prostate Cancer refers to the presence of one of the following malignant conditions: (a) thyroid tumour classified as T1N0M0 according to the TNM classification system; or (b) prostate tumour classified as T1a or T1b according to the TNM classification system.

5 Less Aggressive Malignancy refers to the presence of one of the following malignant conditions: (a) chronic lymphocytic leukaemia classified as RAI stage I or II; or (b) non melanoma skin cancer of at least AJCC stage II or above.

6 Cancer does not include (a) thyroid tumour classified as T1N0M0 or a lower stage according to the TNM classification system; (b) prostate tumour classified as T1a or T1b or a lower stage according to the TNM classification system; (c) chronic lymphocytic leukaemia less than RAI stage III; (d) skin cancer other than malignant melanoma; (e) tumour in the presence of any HIV; (f) Cervical Intra-epithelial Neoplasia (CIN I, CIN II, or CIN III) or Cervical Squamous Intra-epithelial Lesion; and (g) tumour classified as pre-malignant, non-invasive, or Carcinoma-in-situ, or as having either borderline malignancy or low malignant potential.

7 Surgical Excision of Covered Benign Tumour refers to the actual undergoing of a complete surgical excision of a solid tumour and such tumour is excised specifically for the purpose of ruling out cancer and is confirmed by a registered specialist as a non-cancerous benign tumour of the following organs: (a) adrenal gland; (b) bone; (c) breast; (d) kidney; (e) liver; (f) lung; (g) nerve in cranium or spine; (h) ovary; (i) pancreas; (j) pituitary gland; (k) testis; or (l) uterus in which only endometrial polyps are covered.

Surgical Excision of Covered Benign Tumour does not include (a) surgery for ovarian cysts including but not limited to simple cysts, endometrial cysts (endometriomas) of the ovary; (b) surgery for removal of tumours in organs not listed above or surgery for removal of gall bladder, gall stones, kidney stones, benign hormone secreting tumours of the adrenal glands; and (c) surgery for the following causes in all organs: High Grade Dysplasia, Lipoma, Haemangioma, non-solid tumours including simple cysts; tumours which were clearly established as benign or of low malignant potential on radiological criteria or biopsy; tumours removed for reasons other than ruling out cancer; and partial excision of tumour or other procedures including open or closed biopsies, needle aspiration biopsy or cytology, aspiration, embolization or any procedure to reduce tumour size.

Key exclusions

We will not pay any Early Stage Major Disease Benefit, Major Disease Benefit, Benign Tumour Extra Benefit or Child's Developmental Care Extra Benefit of PRUhealth critical illness multi-care prestige and Critical illness prestige enhancer if:

  1. the disease condition (including Benign Disease Condition, Early Stage Major Disease Condition, Developmental Disorder Condition or Major Disease Condition) existed before the effective date of this plan, or before the effective date of reinstatement, whichever is later; or
  2. the life assured suffers from any pre-existing condition, or shows any signs or symptoms, which may be the cause or triggering condition of a disease condition before the effective date of this plan, or before the effective date of reinstatement, whichever is later; or
  3. the life assured is diagnosed by a registered specialist with a disease condition other than a Less Severe Developmental Disorder Condition, or has shown signs or symptoms of any illness, disease or physical condition which may be the cause or triggering condition of a disease condition other than a Less Severe Developmental Disorder Condition within 90 days from the effective date of this plan or from the effective date of reinstatement, whichever is later. This exclusion does not apply if the disease condition is caused by an accident and the life assured is diagnosed as having the disease condition within 90 days of the accident; or
  4. the life assured is diagnosed by a registered specialist with a Less Severe Developmental Disorder Condition, or has shown signs or symptoms of any illness, disease or physical condition which may be the cause or triggering condition of a Less Severe Developmental Disorder Condition within 180 days from the effective date of this plan or from the effective date of reinstatement, whichever is later. This exclusion does not apply if the disease condition is caused by an accident and the life assured is diagnosed as having the disease condition within 180 days of the accident); or
  5. the disease condition is a direct or indirect result of:
    1. the life assured's attempted suicide or self-inflicted injuries while sane or insane; or
    2. Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV) except for AIDS due to Blood Transfusion or Occupationally Acquired HIV; or
    3. narcotics used by the life assured unless taken as prescribed by a registered doctor, or the life assured's abuse of drugs and/or alcohol.

We will not pay the Major Disease Benefit for the life assured's Total and Permanent Disability as a direct or indirect result of:

  1. war, hostilities (whether war is declared or not), rebellion, insurrection, riot, or civil commotion; or
  2. travelling or flights in any vehicle or device for aerial navigation other than as a fare-paying passenger on a scheduled public air service.

In addition, we will not pay the Parental Premium Waiver Benefit for the policyholder's death within 2 years from the effective date of this plan or from the effective date of reinstatement, whichever is later, if the death of the policyholder is a direct or indirect result of:

  1. war, hostilities (whether war is declared or not), rebellion, insurrection; or
  2. alcohol, narcotics or drugs unless taken as prescribed by a registered doctor; or
  3. attempted suicide, suicide or self-inflicted injuries while sane or insane; or
  4. participation in any criminal offence; or
  5. scuba diving or engaging in or taking part in any kind of race other than on foot; or
  6. travelling or flights in any vehicle or device for aerial navigation other than as a fare-paying passenger on a scheduled public air service.

For more details on exclusions, please refer to relevant policy provisions.

  • More about PRUhealth critical illness multi-care prestige

    More about PRUhealth critical illness multi-care prestige
    Plan type Basic plan
    Benefit term The plan offers whole-of-life protection if you have claimed less than 100% of the current sum assured of PRUhealth critical illness multi-care prestige under Early Stage Major Disease Benefit and/or Major Disease Benefit on or after the life assured reaches age 86 (ANB). We will then continue the policy until the total claimed amount for Early Stage Major Disease Benefit and/or Major Disease Benefit reaches 100% of the current sum assured.
    Premium term/Issue age/Currency option
    Premium term Issue age (ANB) Currency option
    5-year 1-65 HKD / USD
    10-year 1-65
    15-year 1-60
    20-year 1-55
    25-year 1-50
    Premium structure
    • We will determine the premium based on the risk class (including but not limited to issue age, gender, smoking status and nationality) of the life assured as well as the premium term and currency selected. We have the right to review and adjust the premium rates for particular risk classes on each policy anniversary. We will not adjust the premium unless we notify you prior to the policy's anniversary.
    Current sum assured
    • The current sum assured of PRUhealth critical illness multi-care prestige (excluding Critical illness prestige enhancer) reflects any reductions of the sum assured you make to your plan.
    • The current sum assured of Critical illness prestige enhancer reflects any reductions of the sum assured you make to your plan. 
    Critical illness prestige enhancer
    • The current sum assured of Critical illness prestige enhancer is equal to 50% of the current sum assured of PRUhealth critical illness multi-care prestige.
    • If you reduce the sum assured of PRUhealth critical illness multi-care prestige, we will also reduce your Critical illness prestige enhancer's coverage in proportion.
    • Critical illness prestige enhancer is available only during the first 10 policy years of the plan.
    • Early Stage Major Disease Benefit, Benign Tumour Extra Benefit, Child's Developmental Care Extra Benefit, Renewed Life Protection Benefit, Special Bonus and guaranteed cash value are not applicable to Critical illness prestige enhancer.
    • We will stop your Critical illness prestige enhancer when you terminate your PRUhealth critical illness multi-care prestige, or when its benefit term has ended or when we pay the Major Disease Benefit or Death Benefit.
    • You can convert Critical illness prestige enhancer to a new life insurance plan with a cash value (as specified by us at the time of conversion) for the life assured at a premium rate determined by us, provided that:
      • no claims have been made under PRUhealth critical illness multi-care prestige;
      • the new sum assured is the same or less than the current sum assured of Critical illness prestige enhancer;
      • the new policy will be issued with the same special terms and conditions as your existing PRUhealth critical illness multi-care prestige;
      • you apply for the conversion within 1 month before or after Critical illness prestige enhancer ends; and
      • you have an insurable interest in the life of the life assured (if you are not the life assured) named under the new policy and meet other specified conditions including minimum sum assured and issue age requirement of the new policy.
    Parental Premium Waiver Benefit
    • We will pay the Parental Premium Waiver Benefit if the policyholder dies because of:
      • an accident within 2 years from the effective date of this plan or from the effective date of reinstatement, whichever is later; or
      • any causes after 2 years from the effective date of this plan or from the effective date of reinstatement, whichever is later.
    • Parental Premium Waiver Benefit will end once the policyholder is changed. However, if the Parental Premium Waiver Benefit is already in effect, then any change in policyholder thereafter will not affect your entitlement for this benefit.
    Home Care Service
    • If the current sum assured of PRUhealth critical illness multi-care prestige reaches USD 50,000 / HKD 400,000 or more, we will cover your Home Care Service costs once we pay your first Major Disease Benefit, up to the limits in the table below (this is the "Eligible Amount"):
      Current sum assured of PRUhealth critical illness multi-care prestige Eligible Amount
      From USD 50,000 / HKD 400,000 to below USD 100,000 / HKD 800,000 HKD10,000
      USD 100,000 / HKD 800,000 or above HKD20,000
    • If your Home Care Service costs more than your Eligible Amount (the amount we pay you for the Home Care Service), you will need to pay the difference to the service provider yourself.
    • Home Care Service is available and provided within Hong Kong only.
    • If the life assured is covered with more than one PRUhealth critical illness multi-care prestige policy, we will only provide Home Care Service to the in force policy with the highest current sum assured when they are diagnosed with the first Major Disease Condition.
    • We will pay any unused Eligible Amount to your policy's Premium Deposit Account 1 year after we paid your first Major Disease Benefit.
    • The Home Care Service is provided by a third party service provider we have designated and we may change both the scope of Home Care Service and the service provider from time to time at our sole discretion without prior notice.
    • We may suspend the Home Care Service at our sole discretion, and replace it with a cash benefit up to the Eligible Amount of your plan based on the exchange rate we determine.
    • We are not the service provider or the agent of the service provider. We make no representation, warranty or undertaking as to the quality and availability of the service and shall not accept any responsibility or liability for the services provided by the service provider(s). Under no circumstance shall we be responsible or liable for the acts or omissions or services of the service provider.
    Wellness Benefit
    • On your 2nd policy anniversary, we offer the Wellness Benefit if the current sum assured of PRUhealth critical illness multi-care prestige reaches USD 50,000 / HKD 400,000 or more.
    • We only offer the Wellness Benefit once under all PRUhealth critical illness multi-care prestige plan(s) covering the same life assured.
    • These wellness and screening programs are provided by a third party service provider we have designated and we may change both the programs and the service provider from time to time at our sole discretion without prior notice.
    • We are not the service provider or the agent of the service provider. We make no representation, warranty or undertaking as to the quality and availability of the service and shall not accept any responsibility or liability for the services provided by the service provider(s). Under no circumstance shall we be responsible or liable for the acts or omissions or services of the service provider.
    Special Bonus
    • The Special Bonus is a one-off non-guaranteed bonus.
    • We normally declare bonus annually according to our declared bonus rates. We may change the bonus rates from time to time and they may vary depending on the currency in which your plan is denominated. The bonus is not guaranteed. We will declare the bonus for your plan from its 5th anniversary.
    • The declared bonus may rise and fall and does not accumulate within the policy or form a permanent addition to the policy's value.
    • The declared bonus has a face value which we will pay out if the life assured dies ; or if the total claimed amount for Early Stage Major Disease Benefit and/or Major Disease Benefit first reaches 100% of the current sum assured under PRUhealth critical illness multi-care prestige, whichever is earlier.
    • The bonus also has a non-guaranteed cash value which we determine by a variable cash value discount factor. If you surrender your policy, the non-guaranteed cash value – not the face value – of the bonus shall be paid out.
    Factors affecting the Special Bonus
    • The bonus we pay is not guaranteed and is subject to review and adjustment at our discretion. Factors that may affect it include (but not limited to):
      1. Investment performance factors – your plan's performance will be affected by the return on its underlying investment portfolio. This could be driven by:
        - interest earnings from fixed-income securities and dividend from equity-type securities (if any);
        - capital gains and losses from investment assets;
        - counterparty default risk of fixed-income securities (such as bonds);
        - investment outlook; and
        - external market risk factors such as recessions and changes in monetary policies and foreign exchange rates.
      2. Claims factors – Our historical claims experience on death and/or other covered benefits, and projected future costs of providing death benefit and/or other covered benefits.
      3. Expense factors – These include direct expenses associated with issuing and maintaining your policy, such as commissions, overrides, underwriting and policy administration expenses. They may also include indirect expenses (such as general overheads) allocated to your policy.
      4. Persistency factors – Policy persistency and any partial surrenders of a group of policies may impact the bonus we pay to the continuing policies.

    The actual future amounts of benefits and/or returns may be higher or lower than the values currently presented in the marketing materials. Our website at www.prudential.com.hk/bonushistory_SHPAR_en explains the bonus history.

    Surrender Value

    Provided that your total claimed amount for Early Stage Major Disease Benefit and/or Major Disease Benefit is less than 100% of the current sum assured of PRUhealth critical illness multi-care prestige, when you surrender your policy, we will pay a Surrender Value under PRUhealth critical illness multi-care prestige equal to:

    • guaranteed cash value (from 3rd policy anniversary);
    • plus cash value of Special Bonus (from 5th policy anniversary, if any);
    • less total claimed amount for Early Stage Major Disease Benefit and/or Major Disease Benefit made under all Disease Groups of PRUhealth critical illness multi-care prestige;
    • less any outstanding loans and interest.
    Death Benefit

    Provided that your total claimed amount for Early Stage Major Disease Benefit and/or Major Disease Benefit is less than 100% of the current sum assured of PRUhealth critical illness multi-care prestige, if the life assured dies, we will pay a Death Benefit equal to:

    • 100% of current sum assured of PRUhealth critical illness multi-care prestige;
    • plus face value of Special Bonus of PRUhealth critical illness multi-care prestige (from 5th policy anniversary, if any) ;
    • plus 100% of current sum assured of Critical illness prestige enhancer (if applicable);
    • less total claimed amount for Early Stage Major Disease Benefit and/or Major Disease Benefit made under all Disease Groups of PRUhealth critical illness multi-care prestige and Critical illness prestige enhancer;
    • less any outstanding loans and interest.
    Waiting period for Major Disease Benefit claim(s)

    You can make subsequent claims for Major Disease Benefit provided that the period elapsed between the dates of diagnosis of the preceding admitted and subsequent claims for Major Disease Conditions is:

    • at least 1 year; and
    • at least 3 years when both claims are Cancer.
    Making second/third prostate cancer claims
    • If the life assured is above age 71 (ANB), and needs to make subsequent claims on persistent prostate cancer, you have to show us that the life assured has had (or is having) Active Treatment for the same cancer, during the period between the dates of diagnosis of the preceding admitted and subsequent cancer claims.
    • Active Treatment includes surgery, radiotherapy, chemotherapy or targeted therapy or a combination of these treatments. Hormonal therapy is not included.
    Second claim conditions for Carcinoma-in-situ and Coronary Angioplasty
    • To make a second claim for Carcinoma-in-situ, the second claim must be for a Carcinoma-in-situ in a different organ from the first successful claim. 

      Paired organs (including but not limited to breast, fallopian tube, lung, ovary and testis) are considered to be the same organ for this Carcinoma-in-situ claim.
    • To make a second claim for Coronary Angioplasty, the treatment must be performed on a location of stenosis or obstruction in a major coronary artery where no stenosis greater than 60% was identified in the coronary angiogram relating to the first claim.  
    Termination of this plan

    We will terminate this plan when the first of these happens:

    • death of the life assured; or
    • once the policy is surrendered; or
    • if you fail to pay your premium within the grace period of 1 calendar month from its due date and the net cash value of the policy is insufficient to exercise the automatic premium loan; or
    • on the policy anniversary following the life assured's age 86 (ANB) if we have paid (or if it is confirmed that we will pay) more than or equal to 100% of the current sum assured of PRUhealth critical illness multi-care prestige under the Early Stage Major Disease Benefit and Major Disease Benefit; or
    • once we pay (or once it is confirmed that we will pay) 100% of the current sum assured of PRUhealth critical illness multi-care prestige under the Early Stage Major Disease Benefit and Major Disease Benefit on or after the policy anniversary following the life assured's age 86 (ANB); or
    • once the outstanding loans and interest are more than 90% of the guaranteed cash value of your plan minus the total claimed amount for Early Stage Major Disease Benefit and Major Disease Benefit under PRUhealth critical illness multi-care prestige.
    More about PRUhealth critical illness multi-care prestige
  • Investment philosophy

    Investment strategy

    Our investment objective is to balance policyholders' returns with an acceptable level of risk. We do this through a broad mix of investments which aims to protect the rights and manage the reasonable expectations of all Shareholder-backed Participating policyholders.

    The Shareholder-backed Participating Fund invests in various types of assets, such as equities, government/corporate bonds and cash, to diversify investment risks. This multi-asset approach targets stability over the long term.

    We adopt an advanced and actively managed investment strategy, which we adjust in response to changing market conditions. Under normal circumstances, our risk management and investment experts allocate a smaller proportion of higher-risk assets, such as equities, to insurance plans with a higher guarantee, and vice versa. In doing so, we aim to match the level of risk to the risk profiles of our products.

    The following paragraphs explain the current investment ranges according to our current investment strategy. If we make any material changes to the investment strategy, we will inform you afterwards and explain the reasons behind them and their implications.

    The investment mix of your plan

    The current long-term target asset allocation is as follows:

    Asset Type Allocation (%)
    USD-/HKD-denominated policies
    Fixed income securities 55%
    Equity-type securities 45%

    Current long-term target ranges of asset mix for the investment fund underlying PRUhealth critical illness multi-care prestige, by asset type

    We invest in fixed-income type securities to back our guaranteed liabilities to policyholders. Our primary investment objective is to maintain a highly diversified credit profile in the fixed-income portfolio.

    • We primarily invest in a mixture of US treasury securities and investment-grade corporate bonds subject to the risk profiles. We also include a small portion of high-yield and emerging-market bonds to further improve yield.

    • The fixed-income assets will be currency hedged as much as practically possible to currency match the denomination of the underlying policies.

    We also invest in diversified equity-type securities which aim to provide policyholders with the potential for higher long term return. In general, most of the equity-type investments are in local and overseas common stocks.

    Due to different product features and risk profiles, the proportion of fixed-income and equity-type securities investment varies in each product.

    Current long-term target ranges of currency mix for the investment fund underlying PRUhealth critical illness multi-care prestige

    We use assets in the same investment fund to support both USD and HKD policies.

    Our current practice is to currency-match our fixed income asset purchases with the underlying policy's currency denomination. If fixed income assets are not denominated in the same currency as the underlying policies, we will enter into currency hedges as much as practically possible to offset any impact from currency fluctuations. In contrast, we give more flexibility to equity-type assets where those assets can be invested in other currencies in order to benefit from diversification.

    Current long-term target ranges of geographic mix for the investment fund underlying PRUhealth critical illness multi-care prestige

    Our strategy is to invest globally to achieve diversification benefits, though a higher relative allocation of assets to the US is targeted.

    We actively manage and adjust actual exposure in response to changing market conditions, opportunities and asset availability on the market. Additionally, we regularly review long-term targets, i.e. equity allocation, asset mix, credit mix, currency mix, and geographical mix, etc., in line with our investment objectives and risk appetite. For more information on the asset mix, credit mix, currency mix, and geographical mix, please refer to the summary tables made available at www.prudential.com.hk/investmentmix_en.

    Key risks

    How our credit risk may affect your policy?
    The guaranteed cash value (if applicable) and insurance benefit of your plan are subject to our credit risk. If we become insolvent, you may lose the value of your policy and its coverage.

    How currency exchange rate risk affects your return?
    Foreign currency exchange rates may fluctuate. As a result, you may incur a substantial loss when you choose to convert your benefits to other currencies. Additionally, the conversion of your benefits to other currencies is subject to applicable exchange restrictions applicable at the time when the benefits are paid. You have the sole responsibility to decide if you want to convert your benefits to other currencies.

    What are the risks of surrendering your plan or withdrawing money from your plan?
    The Iiquidity of an insurance policy is limited. You are strongly advised to reserve adequate liquid assets for emergencies. For any surrender / withdrawal especially at the early stage upon policy inception, you may receive an amount considerably less than the premiums you paid.

    How inflation affects the value of your plan?
    We expect the cost of living to rise in the future because of inflation. That means the insurance you take out today will not have the same buying power in the future, even if the plan offers increasing benefit intended to offset inflation.

    What happens if you do not pay your premiums?
    You should only apply for this product if you intend to pay all of its premiums. If you miss any of your premium payments, we will automatically settle your outstanding premiums or premiums and levy(ies) by an automatic premium loan, with interest charged at a rate as determined by us. In the case the loan amount (plus accrued interest) exceeds the amount we allow for loan under the policy, we may terminate your policy and you may receive an amount considerably less than the premiums you paid, as well as losing the policy's coverage.

    Why may your premiums be adjusted?
    We have the right to review and adjust the plan's premium rates for particular risk classes on each policy anniversary, but not for any individual customer.

    We may adjust premium rates because of several factors, such as our claims, investment and persistency experience.

    Important information

    Suicide clause
    If the life assured commits suicide regardless of sane or insane within 1 year from the effective date of the policy or from the date of any reinstatement, whichever is later, the death benefit will be limited to a refund of the premiums paid without interest subject to the deduction of any amounts we have already paid and any indebtedness you owe us under the policy.

    Cancellation right
    A customer who has bought the life insurance plans has a right to cancel the policy within the cooling-off period and obtain a refund of any premium(s) and levy(ies) paid less any withdrawals. Provided that no claim has been made, the customer may cancel the policy by giving written notice to us within 21 days after: (1) the delivery of the policy or (2) the issuance of a notice (informing the availability of the policy and expiry date of the cooling-off period) to the customer/his/her representative, whichever is earlier. The premium and levy will be refunded in the currency of premium and levy payment at the time of application for this policy. If the currency of premium and levy payment is not the same as the plan currency, the refundable premium and levy amount in plan currency under this policy will be converted to the currency of premium and levy payment at the prevailing currency exchange rate as determined by us in our absolute discretion from time to time upon payment. After the cooling-off period expires, if a customer cancels the policy before the end of benefit term, the actual cash value (if applicable) may be substantially less than the total amount of premiums paid.

    Automatic Exchange of Financial Account Information
    Over 100 countries and jurisdictions around the world have committed to adopt new rules for automatic exchange of financial account information ("AEOI"). Under the new rules, financial institutions are required to identify account holders who are foreign tax residents and report certain information regarding their investment income and account balance to the local tax authority where the financial institution operates. When countries or jurisdictions start exchanging information on an automatic basis, the relevant local tax authority where the financial account is maintained will then provide this information to the tax authority of the account holder's country of tax residence. This information exchange will be conducted on a regular, annual basis.

    Hong Kong has adopted the new rules into its legislation (please see the Inland Revenue (Amendment) (No. 3) Ordinance 2016 ("the Amendment Ordinance") which came into effect on 30 June 2016). Therefore, the above requirements will be applicable to financial institutions in Hong Kong including Prudential. Under these rules, certain policyholders of Prudential are considered as "account holders." Financial institutions in Hong Kong including Prudential are required to implement due diligence procedures to identify account holders (i.e. policyholders in case where the financial institution is an insurance company) and in the case where the account holder is an entity, its "controlling persons," who are foreign tax residents, and report this information to the Inland Revenue Department ("IRD") if required. The IRD may transfer this information to the country of tax residence of such account holders.

    In order to comply with the law, Prudential may require you, the account holder, to:

    (1) complete and provide us with a self-certification form with information regarding your tax residence status, your tax identification number in your country or countries of tax residence, your date of birth, and in the case where the policyholder is an entity (for example, a trust or a company), the classification of the entity that holds the policy and information regarding "controlling persons" of such entities;

    (2) provide us all required information and documentation for complying with Prudential's due diligence procedures; and

    (3) advise us of any change in circumstances which affect your tax residence status and provide us with a suitably updated self-certification form within 30 days of such change in circumstances.

    According to the due diligence procedures set out in the Amendment Ordinance, self-certifications are required from account holders for all new accounts. As for pre-existing accounts, if a reporting financial institution has doubts about the tax residence of an account holder, it may require a self-certification from the account holder to verify its tax residence.

    Prudential cannot provide you with any tax or legal advice. If you have doubts about your tax residence you should seek professional advice. You should seek independent professional advice on the impact that AEOI may have on you or your policy.

    An account holder who knowingly or recklessly provides a statement that is misleading, false or incorrect in a material particular in making a self-certification to a reporting financial institution is liable on conviction to a fine at level 3 (HKD 10,000).

    For further information on the implementation of the Common Reporting Standard and AEOI in Hong Kong, please refer to the IRD website: http://www.ird.gov.hk/eng/tax/dta_aeoi.htm

    Notes
    PRUhealth critical illness multi-care prestige is underwritten by Prudential Hong Kong Limited ("Prudential"). This brochure 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 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".

    Investment philosophy

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The above calculated premium is for reference only and shall be subject to underwriting. Please refer to the proposal illustration for the exact premiums and detailed benefit coverage. Prudential reserves the right to review and adjust the premium rates for particular risk classes on each policy anniversary.

Next Step : You can enquire more details of PRUhealth critical illness multi-care prestige through the following channels.

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The abovementioned insurance plan is underwritten by Prudential and is subject to all relevant policy terms and conditions. The above product information are for reference only. For detail product information, please refer to the terms and conditions set out in the product brochure and specimen policy issued by Prudential. The information is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. The Prudential Assurance Company Limited, Hong Kong Branch 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.