What is PRUmyhealth crisis lifelong care?

PRUmyhealth crisis lifelong care allows you to enjoy comprehensive lifetime healthcare protection at very affordable premiums. The plan provides a lump sum payment, allowing you to concentrate on recovery instead of worrying about medical bills and loss of income.

Features:

  • Comprehensive whole life coverage for 69 Major Disease Conditions1, including 17 Advanced Claim Disease Conditions
  • Emergency cash for immediate treatment from Advanced Claims
  • Extra benefit of 20% of current sum assured2 on selected Major Disease Conditions3
  • Free 10-year crisis cover term4 provides you with additional protection of 35% or 50% of basic sum assured for the first 10 policy years
  • Level premiums5 with 6 different premium payment terms6 starting from 5 years
  • Financial flexibility and protection in one plan
1 The Major Disease Benefit is payable according to the definitions which includes but is not limited to the age limit specified in the policy, and it is payable once only for each policy, except for the payment of Advanced Claims for the 17 Advanced Claim Disease Conditions, and the policy will be terminated thereafter.
2 The current sum assured is the latest sum assured of a PRUmyhealth crisis lifelong care policy (excluding Free 10-year crisis cover term4) which takes into account of (i) any increments of sum assured by exercising Benefit Protector Option; and/or (ii) any reduction of sum assured.
3 Selected Major Disease Conditions include Alzheimer’s Disease, Parkinson’s Disease, Multiple Sclerosis, Cancer, Heart Attack and Stroke. The Major Disease Extra Benefit is payable if the definitions as set out in the policy provision are fulfilled. The benefit is payable once only for each policy and the benefit will be terminated thereafter.
4 The Free 10-year crisis cover term benefit amount is equivalent to 50% of the basic sum assured of PRUmyhealth crisis lifelong care for Life Assured from age 1 to 18 (age next birthday) and 35% of the basic sum assured for Life Assured from 19 to 65 (age next birthday). It excludes the sum assured derived from Benefit Protector Option, if applicable. If the basic sum assured of PRUmyhealth crisis lifelong care is reduced, the sum assured of Free 10-year crisis cover term will be adjusted proportionally. The Free 10-year crisis cover term benefit will not be eligible for any Terminal Bonus and cash values. The benefit of Free 10-year crisis cover term will be terminated upon the termination of PRUmyhealth crisis lifelong care or on the 10th policy anniversary date, whichever is earlier. In the event of conversion of Free 10-year crisis cover term to a new life insurance policy, it must be applied within the period of one month before or after the expiry of the Free 10-year crisis cover term, and must meet all specified conditions and administrative rules at the time of conversion.
5 Prudential reserves 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 gender and smoking status) but not to an individual customer.
6 The Life Assured must be at least 30 days old when the proposal document is signed. The premium payment term for selection is subject to the issue age of the Life Assured as listed below:
 
Premium Payment Term Issue Age (Age Next Birthday)
5-year 1-65
10-year 1-65
15-year 1-60
20-year 1-55
Until age 55 1-50
Until age 65 1-60

Please refer to the policy provision for the exclusion clauses.

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.

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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.

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Prudential Customer Service Hotline
Dedicated for Standard Chartered*

2281 1188

Extended Service Hours^

Monday to Friday 9:00a.m. – 8:00p.m
Saturday 9:00a.m. – 3:00p.m.
Except public holidays.

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Make an Online Appointment with us to further understand your needs and get a Complimentary Gift.

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* The life insurance products are underwritten by Prudential; Standard Chartered is an insurance agent of Prudential. This hotline is provided, managed, and operated by Prudential and provides policyowners with easy access for information about their Prudential life insurance policies taken out through Standard Chartered, claims, and other designated services.
^ For enquiries after service hours (service hours: Monday – Friday 9:00a.m. – 8:00p.m.; Saturday 9:00a.m. – 3:00p.m. and except public holidays), policyowners are able to access designated services through the hotline's Interactive Voice Response System. Alternatively, policyowners can simply leave messages, and Prudential's Customer Service Officers will follow up on the next working day.

All of the offers and services are subject to terms, conditions, and important notes. For details, please refer to relevant promotional leaflets or contact our branch staff.

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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