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Medical Care

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Plan highlights

Tailored for our most prestigious customers aged 1 to 70i (age next birthday), PRUmyhealth prestige medical plan offers comprehensive medical protection with lifetime global coverage of up to USD 6,250,000/HKD 50,000,000. What's more, you can top up your plan with the supplementary Outpatient, Maternity1 and Dental Benefit2.


Cashless arrangement service for hospitalisation

Full coverage3, ii for most benefit items of hospitalisation up to USD 6,250,000 / HKD 50,000,000 per lifetime limit

Global coverage that allows worldwide hospitalisation and medical treatment

Lifetime guaranteed renewal4, iii ensures you are always covered

An array of extra benefits and services enhance your protection

Flexibility to choose from a range of annual deductibles, coverage area and supplementary benefits

PRUmyhealth prestige
medical plan
Global health protection
tailored for your convenience

  1. Issue age of Maternity Benefit is 19 - 40 (age next birthday).
  2. Subject to an overall annual limit of USD 2,500,000 / HKD 20,000,000, an overall lifetime limit9 of USD 6,250,000 /HKD 50,000,000 and the annual deductible selected. It is also subject to Reasonable and Customary Charges in relation totreatment or services which are Medically Necessary6.
  3. Except supplementary Maternity Benefit1 cover up to the age of 45 (age next birthday) and supplementary Dental Benefit2 cover up to the age of 75 (age next birthday) and subject to the terms and conditions of the policy provisions.

The Benefits

Core Benefits Supplementary Benefits (if applicable)
  • Full cover for most benefit items of hospitalisation or day surgeries
  • Pre-admission and follow-up outpatient consultation
  • Outpatient Benefit – including health check and vaccination
  • Maternity Benefit1 – normal delivery and caesarean section
  • Dental Benefit2 – routine and major restorative dental treatment

Cashless arrangement service for hospitalization5

If you need a hospital stay or day surgeries, you are free to choose the most appropriate medical practitioner for yourself. Simply seek our prior authorisation by completing a simple authorisation process before your visit to make sure you are aware of your coverage prior to receiving treatment, and are fully informed of any costs that are not covered. We will settle your eligible medical expenses directly with the hospital after your discharge or treatment.

The cashless arrangement service is available in most private hospitals of major cities around the world, including all of the private hospitals in Hong Kong. In addition, we also provide a 24/7 hotline to answer any questions you may have regarding the cashless arrangement.

Full coverage3, iifor most benefit items of hospitalisation

You are fully covered3,ii for the Reasonable and Customary Charges in relation to treatment or services which are Medically Necessary6 for most benefit items including charges for room & board, doctor's visit and all your miscellaneous hospital expenses during confinement and surgical fees. You may rest assured that your health is sufficiently protected.

(For details of Reasonable and Customary Charges, please refer to the relevant section under the "Benefit Schedule")

Lifetime guaranteed renewal4, iii

With PRUmyhealth prestige medical plan, we assure protection for life, even if you live past 120. Furthermore, regardless of any change in your health conditions and claims history, you have a guaranteed right to renew your policy for life, subject to the continual availability of the plan, terms and conditions applicable and the prevailing premium rates at the time of renewal.

An array of extra benefits and services

We take care of your well-being by extending coverage to include a variety of benefits and services, giving you an all-round protection in your moment of need:

  • Chemotherapy (including targeted therapy) and radiotherapy on both inpatient and outpatient basis
  • Dialysis on both inpatient and outpatient basis
  • Surgical fees of organ transplant on the life assured
  • Pregnancy complications7 coverage
  • Hospice care
  • 24-hour Worldwide Emergency Assistance Services5

Flexibility to choose from a range of annual deductibles, coverage area and supplementary benefits

Whether you are looking for full cost cover or only significant medical cost cover, we offer you the freedom to choose from different levels of annual deductibles8 upon application, or at each policy anniversary. This can help you manage the cost of your plan and still receive protection against the unknown. To give you additional flexibility, you can reduce your existing annual deductible without having to undergo any medical underwriting once per lifetime at the policy anniversary that immediately follows the 55th, 60th or 65th birthday of the life assured. This allows you to gear up your protection in preparation for your retirement.

While this plan offers excellent worldwide coverage, we understand you may not intend to seek medical care in the USA; thus we also offer you an alternative option – worldwide coverage excluding the USA. This way, without reducing your benefits items and limits, we can lower your premium.

Subject to relevant underwriting eligibility requirements, you may attach the supplementary Outpatient, Dental2 and Maternity Benefit1 to the plan to suit your personal needs.

Coverage area

Benefits Coverage Coverage area
  • Core Benefits
  • Supplementary Outpatient Benefit
  • Worldwide coverage except USA;
    or
  • Worldwide coverage
  • Supplementary Maternity Benefit1
  • Supplementary Dental Benefit2
  • Worldwide coverage

Notes
Coverage area of supplementary Outpatient Benefit must follow the same coverage area as Core benefits.

For coverage area of "worldwide coverage except USA", benefit payable in the USA will only cover the eligible medical expenses arising from accidents that occur in the USA.

Persons who have resided in the USA or have stayed/studied in the USA for 183 days or more in the past 12 months; or persons planning to stay/study in the USA in the next 12 months; or USA citizens are only eligible to select "worldwide coverage except USA" as the coverage area of the Core Benefits and the supplementary Outpatient Benefit.

For the Core Benefits and the supplementary Outpatient Benefit, we reserve the right to change the coverage area from "worldwide coverage" to "worldwide coverage except USA" if the life assured has resided in the USA for 183 days or more in the past 12 months, otherwise we may not renew the policy.

  • Benefit Schedule

    Benefit Items Maximum Benefit Limit3
    Overall annual limit (applicable to all Benefits payable under the policy) USD 2,500,000 / HKD 20,000,000
    Overall lifetime limit9 USD 6,250,000 / HKD 50,000,000
    Annual deductible for Core Benefits (except Death Benefits) USD 0 / 1,000 / 3,125 / 7,500 / 12,000
    HKD 0 / 8,000 / 25,000 / 60,000 / 96,000
    Core Benefits Entitled Level of Accommodation
    Private Room10
    I. Confinement Benefits
    (waiting period: 30 days except for treatment due to accident)
     
    1. Hospital Daily Room & Board
    Full cover
    1. Doctor's Visit
    Full cover
    1. Miscellaneous Hospital Expenses Full cover
    Full cover
    1. Intensive Care^
    Full cover
    1. Specialist's Visit^
    Full cover
    1. Private Nursing^
      Max. no. of days per policy year
    Full cover
    90 days
    1. Daily Extra Bed for Family Member
    Full cover
    1. Psychiatric Treatment^ (per policy year)
      Max. no. of days per policy year
    USD 7,500 / HKD 60,000
    30 days
    II. Surgical Benefits  
    1. Surgical Fees^
    Full cover
    1. Anaesthetist's Fee
    Full cover
    1. Operating Theatre Fees
    Full cover
    1. Medical Devices (per policy year)
    USD 43,750 / HKD 350,000
    III. Accidental Treatment Benefits  
    1. Accidental Outpatient Treatment
    Full cover
    1. Accidental Dental Treatment
    Full cover
    IV. Pre- and Post-hospitalisation Benefits  
    1. Pre-admission & Follow-up^ Outpatient Consultation
    Full cover (1 visit per day)
    1. Daily Post-surgery Home Nursing^
      Max. no. of days per policy year
    Full cover
    30 days
    1. Post-hospitalisation Ancillary Service

    • by registered physiotherapist^/occupational therapist ^/speech therapist^
      Max. no. of total visits per policy year


    Full cover
    30 visits (1 visit for each type of treatment per day)
    • by registered chiropractor (per visit)
      Max. no. of visits per policy year
    USD 200 / HKD 1,600
    15 visits (1 visit per day)
    1. Rehabilitation^ (per policy year)
      Max. no. of days per policy year
    USD 10,000 / HKD 80,000
    60 days
    V. Extended Benefits  
    1. Chemotherapy and Radiotherapy^, *
    Full cover
    1. Dialysis^, *
    Full cover
    1. Hospice Care (per lifetime)
    USD 25,000 / HKD 200,000
    1. Pregnancy Complications^, 7 (waiting period: 300 days)
    Full cover
    1. Traditional Chinese Medicine (per policy year)
    USD 6,250 / HKD 50,000
    • during confinement USD 65
    USD 65 / HKD 520 per day
    • after confinement or day-surgery
    USD 100 / HKD 800 per visit
    (1 visit per day)
    VI. Death Benefits  
    1. Compassionate Death Benefit
    USD 10,000 / HKD 80,000
    1. Accidental Death Benefit (in addition to Compassionate Death Benefit)
    USD 10,000 / HKD 80,000
    VII. Other Services5  
    1. Cashless Arrangement Service for Hospitalisation
    1. 24-hour Worldwide Emergency Assistance Services°
    ^ Recommendation by a registered doctor or a specialist (if applicable) in writing is required
    * On an outpatient basis
    °Services will cease when the life assured reaches age 86 (age next birthday)
       
    Supplementary Benefits
    1. Outpatient Benefit
      (waiting period: 30 days except for treatment due to accident)
     
    1. Outpatient Consultation
      Max. no. of visits per policy year
    Full cover
    50 visits
    1. Ancillary Service (per policy year)
      by registered Chinese medicine practitioner/chiropractor/physiotherapist^
    USD 1,200 / HKD 9,600
    (1 visit for each type of treatment per day)
    1. Psychiatric Treatment (per policy year)
      Max. no. of visits per policy year
    USD 2,500 / HKD 20,000
    15 visits (1 visit per day)
    1. Laboratory Tests and Diagnostic Imaging^
    Full cover
    1. Prescribed Medicines and Drugs^ (per policy year)
    USD 12,500 / HKD 100,000
    1. Health Check-up and Vaccination (per policy year)
      (waiting period: 90 days)
    USD 500 / HKD 4,000
    (1 health check-up and 1 course of vaccination)
    II. Maternity Benefit1 (waiting period: 300 days) Maximum Benefit Limit3 per Pregnancy3
    1. Normal Delivery
    USD 6,250 / HKD 50,000
    1. Caesarean Section USD 12,500
    USD 12,500 / HKD 100,000
    III. Dental Benefit2 (waiting period: 180 days) Maximum Benefit Limit3 per Policy Year
    1. Routine Dental Treatment
    USD 950 / HKD 7,600
    1. Major Restorative Treatment
    USD 1,800 / HKD 14,400
    ^ Recommendation by a registered doctor in writing is required.
    All expenses are subject to the terms and conditions of the plan, including Reasonable and Customary Charges. Please refer to the policy provisions for full details of the benefits.
    Benefit Schedule

  • More about PRUmyhealth prestige medical plan

    Reasonable and Customary Charges
    We will only cover charges or expenses which are regarded as Reasonable and Customary Charges, which means that the charges for treatment, medical services and/or supplies received by the life assured must be Medically Necessary6 and do not exceed the usual level of charges for such treatment, medical services and/or supplies in the locality where the expense is incurred.

    We may exercise our right to determine whether the charges for treatment, medical services and supplies are regarded as Reasonable and Customary Charges with reference to (but not limited to) a combination of our global experience and any relevant publication or information made available, such as the schedule of fees published by the government, relevant authorities and recognised medical association in the locality where the expense is incurred.

    We may exercise our right to adjust any benefit payable in the event that there are any charges which are not Reasonable and Customary Charges.

    Major Exclusions
    We will not provide coverage under the policy under any of the following circumstances:

    1. Injury or illness (or signs and symptoms of which) existed before the effective date of the plan or supplementary benefits (if applicable), or the effective date of reinstatement, whichever is later; or
    2. Confinement/stay, treatment and/or charges incurred which are related to or arises as a direct or indirect result of:
      1. pregnancy, surrogacy, childbirth or termination of pregnancy (other than for pregnancy complications7 specified in the Pregnancy Complications coverage under Extended Benefits), birth control, infertility or human assisted reproduction, or sterilisation of either sexes; or
      2. war, hostilities (whether war is declared or not), rebellion, insurrection, riot, or civil commotion, terrorist act, nuclear contamination, biological contamination or chemical contamination; or the life assured's participation in any criminal offence; or
      3. attempted suicide or self-inflicted injuries while sane or insane; use of narcotics, abuse of drug or alcohol, scuba diving or engaging in or taking part in any kind of race other than on foot, mountaineering involving the use of ropes or guides by the life assured; or
      4. cosmetic treatment/corrective aids and treatment of refractive errors performed on the life assured unless necessitated by injury caused by an accident and the cosmetic treatment plan is approved by us in advance within 90 days of the accident/ the life assured receives the corrective aids treatment of refractive errors within 90 days of the accident; or
      5. procurement or use of medical appliances and medical devices (unless medical appliances and/or devices specified in the Medical Devices coverage under Surgical Benefits) for the benefit of the life assured; or experimental and/or unconventional medical technology/procedure/therapy performed on the life assured; or novel drugs/medicines/stem cell therapy not yet approved by the government, relevant authorities and recognised medical association in the locality; or
      6. convalescence or health check-ups; or vaccination and immunisation; or
      7. dental treatment or surgery (unless specified in the Accidental Dental Treatment coverage under the Accidental Treatment Benefits); or
      8. congenital or inherited disorder; or developmental conditions (only applicable before the life assured reaches age 17, age next birthday); or treatment or tests that relate to AIDS, HIV or AIDS-related complexes; or genetic testing or genetic counselling; or
      9. mental disorder, psychological or psychiatric conditions, behavioural problems or personality disorder of the life assured (unless specified in Psychiatric Treatment coverage under Confinement Benefits); or
      10. any confinement primarily for physiotherapy or for the investigation of signs and/or symptoms with diagnostic imaging, laboratory investigation or other diagnostic procedures; or
      11. any treatment, investigation, services or supplies which are not Medically Necessary6; or non-medical services; or charges which exceed the Reasonable and Customary Charges, or treatment or tests which are not consistent with customary medical treatment or diagnosis; or
      12. sleep disorders; or treatment of obesity (including morbid obesity), or weight control programmes, or bariatric surgery; or
      13. costs incurred for identifying and procuring a replacement organ or removal of the organ from the donor, all associated transportation costs and administrative costs in relation to the transplant service; or
      14. treatment of sexually transmitted diseases; or sexual problems or gender issues; or
      15. any treatment whilst staying in hospital for more than 90 consecutive days if the life assured is in a vegetative state.

    Applicable to supplementary Outpatient Benefit only

    • All the Major Exclusions listed above except items (II)f. and (II)i. where the occurrence is covered under the Outpatient Benefit.

    Applicable to supplementary Maternity Benefit1 only

    • All the Major Exclusions listed above except items (I) and (II)a. where the occurrence is covered under the Maternity Benefit.
    • Confinement, treatment and/or charges incurred are related to or arises as a direct or indirect result of surrogacy, birth control, infertility or human assisted reproduction, or sterilisation of either sexes; or
    • The infant is born in a place where neither parent of the infant is a legal resident or citizen of the place of birth; or
    • Cost for nursery care of the infant during the confinement.

    Applicable to supplementary Dental Benefit2 only

    • All the Major Exclusions listed above except items (I) and (II)g. where the occurrence is covered under the Dental Benefit.

    Please refer to the policy provision for full details of the exclusions.

    Remarks

    1. Outpatient Benefit and Dental Benefit are pre-requisites for attaching Maternity Benefit.
    2. Outpatient Benefit is a pre-requisite for attaching Dental Benefit.
    3. The benefit amount payable (except Death Benefits) will be reduced by 50% in the event that: (1) the life assured has taken up residence in the USA for at least 183 days in the past 12 months at the time of confinement/stay receiving medical treatment and/or service in the USA; and/or (2) the life assured does not get prior authorisation from us for the confinement or day surgery received in the USA under Core Benefits, unless it is directly due to an accident.
    4. Lifetime guaranteed renewal is subject to conditions including the continual availability of the plan to all policyowners already enrolled, terms and conditions applicable and the prevailing premium rates at the time of renewal. Prudential Hong Kong Limited ("Prudential") reserves the right to review the premium rates on each policy anniversary and adjust the premium rates accordingly across a particular risk class. Also, Prudential has the right to revise the terms and conditions and/or the Benefit Schedule of the policy on each policy anniversary to reflect any past or foreseeable changes in medical practice and claims experience, and will apply the revision to all policies under the plan. If we decide to no longer offer the plan to all policyowners already enrolled, we will endeavour to enrol the life assured in another available medical plan at that time without any new individual terms or personal exclusions.

      The policy will be terminated if any fraudulent claim has been made.
    5. Services including Cashless Arrangement Service for Hospitalisation and 24-hour Worldwide Emergency Assistance Services are provided by our designated service provider(s). We make no representation, warranty or undertaking as to the quality and availability of the aforesaid services, and shall not accept any responsibility or liability for the services provided by the designated service provider(s) concerned. Under no circumstance shall Prudential be responsible or liable for the acts or omissions or services of the designated service provider(s). Prudential reserves the right to replace any of the designated service provider(s) and review, revise and change the details, the terms and conditions of the aforesaid services to be provided from time to time, as well as to cease and/or suspend the provision of such services at any time at its sole and absolute discretion without giving prior notice. The provision of such services by the designated service provider(s) and/or the acceptance thereof by you shall constitute a contract between you and the service provider(s) concerned which is separate and independent from the plan.
    6. Confinement/stay, medical treatment and/or service is Medically Necessary if it is consistent with the diagnosis and customary medical treatment for the condition. The confinement/stay, medical treatment and/or service should also conform to the standards of generally accepted medical practice and not just for the convenience of the life assured, his/her relatives or the registered doctor. In case of hospital confinement, the medical treatment and/or service should be performed on the basis of the medical symptoms or conditions of the life assured that cannot be safely provided without hospital confinement.
    7. The covered pregnancy complications only include ectopic pregnancy, molar pregnancy, disseminated intravascular coagulopathy, pre-eclampsia, miscarriage, threatened abortion, medically prescribed induced abortion, foetal death, postpartum hemorrhage requiring hysterectomy, eclampsia, amniotic fluid embolism and pulmonary embolism of pregnancy. The diagnosis date of the pregnancy complication must be after the policy has been in force for at least 300 days from the effective date of the plan or reinstatement date, whichever is later.
    8. You are required to undergo medical underwriting procedures if your existing annual deductible is reduced.
    9. Overall lifetime limit means the absolute cap on all amounts paid and payable in aggregate under all in-force and terminated PRUmyhealth prestige medical plan policies including the supplementary benefits (if any) covering the same life assured during his/her lifetime.
    10. Private room refers to a room for life assured's private use during the confinement with its own private facilities including a bedroom and bath/shower room(s) only, but excluding any room of upper class with its own kitchen, dining or sitting room(s) or otherwise. The benefit payable will be adjusted if the confinement is in a room of class higher than private room.
    More about PRUmyhealth prestige medical plan
  • Important information

    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.

    Important information

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2281 1100

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except public holidays.
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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. Prudential Hong Kong Limited 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.