What is PRUmyhealth crisis multi-care?

Apart from being a traditional critical illness insurance plan, PRUmyhealth crisis multi-care provides you all-in-one Multiple Claims and Early Stage Protection Against the financial impact of Major Diseases.

Features:

  • Multiple Claims
    Offers multiple occurrence of various major diseases under 5 Disease Groups before age 864 (age next birthday)
  • Early Stage Protection
    Provides timely support at the most treatable early stage of a major disease, right before the condition worsens
  • 300% Cancer Protection
    A total benefit of 300% of the current sum assured3 for cancer protection before age 864 (age next birthday)
  • Continuous Protection Even After Claim
    A plan which stays with you for life1
  • Additional Benefits
    Late Stage Major Disease Extra Benefit, Free 10-year crisis protector, premium waiver, life insurance and more
1 On or after the policy anniversary which immediately following the life assured's age 86 (age next birthday), at the time when the total amount of Early Stage Major Disease Benefit and Major Disease Benefit claims paid and/or payable under the Plan is greater than or equal to 100% of the current sum assured3, the Plan will be terminated immediately.
2 The premium rates are not guaranteed. We reserve the right to review the premium rates on each policy anniversary and adjust the premium rates accordingly across a particular risk class (including but not limited to age, gender, smoking status, premium term, nationality and currency) but not to any particular individual customer.
3 The current sum assured is the latest sum assured, excluding any supplementary benefit, which takes into account of any reduction of sum assured, if applicable.
4 The policy anniversary which immediately following the life assured's age 86 (age next birthday).
5 In respect of any Early Stage Major Disease Benefit and Major Disease Benefit claims under the Plan, if the total claimed amount of Early Stage Major Disease Benefit and Major Disease Benefit claims paid and/or payable exceeds 100% of the current sum assured3 of this Plan after taking into account of such Early Stage Major Disease Benefit claim or Major Disease Benefit claim, the life assured must have survived for a period of at least 30 days from the date of diagnosis of such respective disease condition in order to be eligible for the respective benefit.
6 After a Major Disease Benefit claim has been paid, you are allowed to make further Major Disease Benefit claim under this Plan provided that the period elapsed between the dates of first diagnosis of the two relevant claims (i) is at least one year; and (ii) is at least five years if the latest admitted Major Disease Benefit claim belongs to Disease Group for Cancer and the subsequent Major Disease Benefit claim belongs to Disease Group for Illnesses related to Major Organs and Functions; and (iii) satisfies Five-year Cancer Waiting Period (as defined below) if both claims belong to Disease Group for Cancer. "Five-year Cancer Waiting Period" means that the period elapsed is at least five years between the dates of first diagnosis of the two relevant Major Disease Benefit claims, and the subsequent Major Disease Condition: (i) is of a different pathological and histological type; or (ii) is a recurrence or a metastasis of the Major Disease Condition of the latest admitted Major Disease Benefit, provided that such disease condition has been once in complete remission.
7 In case more than one disease condition is diagnosed in the same event, only the benefit relating to one of those disease conditions for which the highest benefit amount is payable.

Important notes:
The benefits of this plan are subject to the terms and conditions in the policy provisions, including possible termination on or after age 861 (age next birthday); non- guaranteed premiums2; the actual benefit payable may be subject to adjustment due to prior claims and benefit limits under different Disease Groups; coverage period of certain disease conditions are subject to age limitations; and applicable requirements on survival period5, waiting period6 and other conditions7. Please refer to the Benefit Summary Table, the "Full Coverage of 105 Major Disease Conditions" table and free 10-year crisis protector definition in product leaflet for details.
The addition of any supplementary benefit is subject to normal underwriting procedures and additional premium payment.
Interest will be charged on policy loans. It is calculated at an interest rate as solely determined by us from time to time. If the outstanding loan with interest is more than 90% of the Guaranteed Cash Value less total claimed amount8, the policy will be terminated.
Please refer to the policy provision for the exclusion clauses and termination clauses of the Plan.

Note: 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 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 crisis multi-care is underwritten by Prudential Hong Kong Limited.

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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.

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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.

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