What is PRUmyhealth prestige medical plan?

Tailored for our most prestigious customers aged 1 to 70 (age next birthday), PRUmyhealth prestige medical plan (the “Plan”) offers comprehensive medical protection with lifetime global coverage of up to US$6,250,000/HK$50,000,000.

Features:

  • Cashless arrangement service for hospitalisation
  • Full coverage1,2 for most benefit items of hospitalisation up to US$6,250,000/HK$50,000,000 per lifetime limit
  • Global coverage that allows worldwide hospitalisation and medical treatment
  • Lifetime renewal3,4 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
1 Subject to an overall annual limit of US$2,500,000/HK$20,000,000, an overall lifetime limit of US$6,250,000/HK$50,000,000 and the annual deductible selected. It is also subject to Reasonable and Customary Charges in relation to treatment or services which are Medically Necessary.
2 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.
3 Lifetime 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 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 schedule of benefits 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 Prudential decides to no longer offer the Plan to all policyowners already enrolled, Prudential 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.
4 Except supplementary Maternity Benefit cover up to the age of 45 (age next birthday) and supplementary Dental Benefit cover up to the age of 75 (age next birthday) and subject to the terms and conditions of the policy provisions.
Important notes:
Please refer to the policy provision for full details of the exclusion.
Premium rates are yearly adjustable based on the risk class and attained age of the life assured at the time of policy application/renewal which are not guaranteed. Prudential may adjust premium due to medical cost inflation and other factors.
Prudential Hong Kong Limited (“Prudential”) reserves the right to vary, at its sole and absolute discretion, the premiums of the Plan and adjust the premium rates accordingly across a particular risk class at any time without giving any prior notice.

Note: The life assurance plans are life insurance products and are not bank deposit. They are underwritten by Prudential Hong Kong Limited (a member of Prudential plc group) (“Prudential”) and distributed by Standard Chartered Bank (Hong Kong) Limited (“Standard Chartered”). Some of these plans may have a savings element and are not an alternative to ordinary savings or time deposits. Part of the premium pays for the insurance and related costs.

If you are not happy with your policy, you have a right to cancel it within the cooling off period and obtain a refund of any premiums paid, less any withdrawals (if applicable), provided that no claim has been made under the policy. A written notice signed by you should be received directly by the Prudential’s Hong Kong Principal Office at 25th Floor, One Exchange Square, Central, Hong Kong within the cooling off period (that is, within 21 days after the delivery of the policy or issue of a notice (informing you or your representative about the availability of the policy and expiry date of the cooling off period), whichever is the earlier). After the expiration of the cooling off period, if you cancel the policy before the end of the term, the projected total cash value (if applicable) may be less than the total premium you have paid. You should check with Prudential if you have any doubt regarding your cooling off right.

Standard Chartered is an insurance agent of Prudential.

As the issuer of the life assurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of Standard Chartered. This promotional material is not a contract of insurance and is intended to be a general summary for reference purpose only. Please refer to the policy for full terms and conditions. Standard Chartered does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall Standard Chartered be held liable in any manner whatsoever in relation to your contract of insurance.

This promotional material 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 and Standard Chartered do 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. This promotional material does not constitute a contract of insurance or an offer, invitations or recommendation to any person to enter into any contract of insurance or any transaction described therein or any similar transaction.

Whether to apply for insurance coverage is your own individual decision. For Prudential’s life assurance plan policy provisions, details and risk disclosure please refer to relevant plan’s product leaflet/offering document and specimen policy.

In respect of an eligible dispute arising between Standard Chartered and the client out of the selling process or processing of the related transaction, Standard Chartered is required to enter into a Financial Dispute Resolution Scheme process with the client; however any dispute over the contractual terms of the product should be resolved between directly Prudential and the client.

PRUmyhealth prestige medical plan is underwritten by Prudential Hong Kong Limited.

Download Brochure »Back To Life Insurance

Online Appointment

We understand that everyone has different protection and financial needs. Simply make an appointment with us online, and our representative will contact you shortly and invite you to visit to your nearest Standard Chartered branch at a time most convenient for you for a Financial Needs Analysis. Upon completion of it, you will receive a Complimentary Gift from us. Subject to relevant Terms and Conditions.

Make an appointment now »

Promotion

Successfully apply for designated life insurance product(s) underwritten by Prudential to enjoy fabulous promotional offers. For details please visit your nearest Standard Chartered branch.

Terms and Conditions

Notes:
The life assurance plans are life insurance products and are not bank deposit. They are underwritten by Prudential and distributed by Standard Chartered Bank (Hong Kong) Limited ("Standard Chartered"). Some of these plans may have a savings element and are not an alternative to ordinary savings or time deposits. Part of the premium pays for the insurance and related costs.

If you are not happy with your policy, you have a right to cancel it within the cooling off period and obtain a refund of any premiums paid, less any withdrawals (if applicable), provided that no claim has been made under the policy. A written notice signed by you should be received directly by the Prudential’s Hong Kong Principal Office at 25th Floor, One Exchange Square, Central, Hong Kong within the cooling off period (that is, within 21 days after the delivery of the policy or issue of a notice (informing you or your representative about the availability of the policy and expiry date of the cooling off period), whichever is the earlier). After the expiration of the cooling off period, if you cancel the policy before the end of the term, the projected total cash value (if applicable) may be less than the total premium you have paid. You should check with Prudential if you have any doubt regarding your cooling off right.

Standard Chartered is an insurance agent of Prudential.

As the issuer of the life assurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of Standard Chartered. This webpage is not a contract of insurance and is intended to be a general summary for reference purpose only. Please refer to the policy for full terms and conditions. Standard Chartered does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall Standard Chartered be held liable in any manner whatsoever in relation to your contract of insurance.

This webpage is intended to be valid 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 and Standard Chartered do 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. This webpage does not constitute a contract of insurance or an offer, invitations or recommendation to any person to enter into any contract of insurance or any transaction described therein or any similar transaction.

Whether to apply for insurance coverage is your own individual decision. For Prudential's life assurance plan policy provisions, details and risk disclosure please refer to relevant plan's product leaflet/offering document and specimen policy.

In respect of an eligible dispute arising between Standard Chartered and the client out of the selling process or processing of the related transaction, Standard Chartered is required to enter into a Financial Dispute Resolution Scheme process with the client; however any dispute over the contractual terms of the product should be resolved between directly Prudential and the client.

 

Important Note:
This Life Insurance Services may involve introducing investment-linked insurance plans to you. The investment decision is yours but you should not invest in such plans unless the intermediary who introduced them to you had explained to you that such plans are suitable for you having regard to your financial situation, investment experience and investment objectives.

Risk Disclosure Statement:

  • Investment involves risks. The investment returns under investment-linked insurance plans are calculated with reference to the fluctuation of performance of the underlying assets or underlying funds of the policy's investment choices. The investment returns are not guaranteed and it is possible for investor(s) to suffer loss of investment and premium paid.
  • Whether to apply for insurance coverage is your own individual decision. For Prudential's life assurance plan policy provision, details, important note and risk disclosure, please refer to relevant plan's product leaflet / product brochure and specimen policy.

You might also be interested in

Travel Insurance

Offers you extensive choice of travel insurance plan options may bring you peace of mind.

Learn more »
Home Contents Insurance

Our Excel Hospital Income Plan pays a Daily Cash Benefit up to HK$1,000 per day for hospital stays.

Learn more »
Private Motor Insurance

Protects the loss of or damage to you and your car due to accidental damage, theft and third-party liability.

Learn more »
Excel Hospital Income Plan

Daily Cash Benefit for confinement worldwide in any public or private hospital for up to HK$1,000 per day.

Learn more »