Hospital & Surgical Benefits + Clinical Benefits
Plan 4/7 - Private Room
Plan 5/8 - Semi-Private Room
Plan 6/9 - Ward Room

2. Optional Clinical Benefits with two alternatives
Option 1 (Plan 4,5,6): 100% reimbursement up to Maximum Limits
Option 2 (Plan 7,8,9): 80% reimbursement up to Maximum Limits

3. Preferential subscription for over 30 persons (as of Contract Effective Date)

4. Same subscription is used for members under the same plan (not rated by age)

II. To provide your employees with comprehensive benefits, we offer:

1. Free Hospital Cash to lighten member’s financial anxiety during hospitalization.

2. Free In-patient Top Up Medical to cushion hospital or surgical expenses exceeding the Basic Scheduled Plan. It is not limited by the length of stay or classification of surgery.

3. Free choice of registered doctors and hospitals.

4. Free membership for Worldwide Assistance Programme.

5. Chinese Herbalist and Bonesetter treatments are covered under Clinical Benefits.

6. Chiropractor and Physiotherapy treatments are covered under Clinical Benefits as Specialist Consultant.

7. Simple enrollment in which no medical examination or health declaration is required.
 

1. All full time permanent employees (and their dependents) who are under 65 years old on the Coverage Commencement Date and are stationed in Hong Kong.
    
2. Dependents shall include

   (a) legal spouse under 65 years old; and

   (b) unmarried child(ren) at or over 15 days and under 18 years old or under 23 years old if in full time education (subject to valid proof) on the Coverage Commencement Date.

Prudential Group Medical Insurance - Classic Scheme (Schedule of Benefits)

 

1. Illness or injury which commence prior to the Coverage Commencement Date and consultation, investigation or treatment is made within 6 months before or 3 months after the Coverage Commencement Date.
    
2. AIDS or HIV-related conditions which originate during the first 5 years of membership; or venereal disease.
    
3. Congenital, Developmental or Hereditary Conditions (incl. medical abnormalities existing at time of birth & neo-natal abnormalities developed within 6 months of birth), geriatric, psychiatric conditions or mental disorders, pregnancy, infertility, or sterilization.
    
4. Dental or oro-surgery treatment (except for emergency in-patient treatment arising from an accident); or cosmetic surgery.
    
5. Treatment arising from war, armed force, terrorist or criminal acts; self inflicted injury or suicide; abuse of drugs or alcohol; or professional sports.
6. Rest cure, general check-ups, hearing or eye test, vaccination, inoculations, supportive treatment of renal failure such as dialysis.
    
7. Use of special braces or implant appliances (e.g. prosthesis, lens, stent, etc), blood or blood plasma, non-medical services (e.g. medical reports, telephone charges, etc), experimental or new medical technology (unless approved by Prudential).