HealthCare

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prudential

HealthCare

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prudential

Location:: ,Korea
Main Category:: Business Services
Main Products:: N/A

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Product Description



	Features
	Advantages
	Premium
	Remarks

It is always our dream of earning a healthy life. Traditional medical insurance can certainly provide you with emergent medical needs and expenses. Yet, while the medical fee is increasing, the actual medical expenses may be far beyond your expectation and the coverage of your existing medical insurance if you contract critical illness or come across accidents unfortunately. Listening to your needs, Prudential offers PRUchoice HealthCare Medical Insurance – a flexible top-up medical protection, to you and your family with two major options: Hospital Cash Protection Plan and Crisis Protection Plan. In Prudential, we care no matter how little it is.

Features

If you are unfortunately hospitalized due to illness or accident, we will provide a daily hospital cash benefit for your immediate relief of hospitalization expenses and it shall be paid from the first day of hospital confinement. The benefit will be as long as 1,000 days per hospital confinement and it will be doubled during the days of surgery treatment or the period of admission to Intensive Care Unit (ICU).

Hospital Cash Protection Plan		All figure in HK$
Hospital Cash Protection Plan		Plan A	Plan B	Plan C
I.	Daily Cash Benefits It starts payable from hospitalization for 1 day onwards with a maximum of 1,000 days for each hospital confinement, each day up to:	500	1,000	1,500
II.	Double Cash Benefits We provide cash benefits during the days of surgery treatment or the period of admission to Intensive Care Unit (ICU) for a maximum of 30 days for each confinement, each day up to:	1,000	2,000	3,000

Note:

a.	Hospitalization for any illnesses shall not be covered during the waiting period of 30 days from the first effective date of the Hospital Cash Protection Plan. For illnesses pertaining to tonsils, adenoids, hernia, and for any illnesses peculiar to the female reproductive organs, the hospitalization shall not be covered too during the waiting period of 120 days from the effective date of the Hospital Cash Protection Plan.
b.	The benefit areas of this plan include Hong Kong, Macau, Singapore, Malaysia, Japan, Taiwan, United Kingdom, member countries of the European Union, Switzerland, Channel Islands, Isle of Man, United States of America, Canada, Australia, New Zealand and Republic of South Africa. For any Hospitalization outside the benefit areas, the Daily Cash Benefits and the Double Cash Benefits will be reduced by 50%. The maximum days of entitlement under Daily Cash Benefits shall be restricted to 90 days.
c.	The Daily Cash Benefits shall not be payable for the period when the Double Cash Benefits is paid. Nevertheless, the days of entitlement for Double Cash Benefits shall be counted as the days of entitlement for Daily Cash Benefits.
d.	Daily Cash Benefit shall be payable to the Insured Person in respect for any hospitalization for a minimum period of 1 day upon the recommendation of a Registered Medical Practitioner.

Crisis Protection Plan covers as many as 40 major critical illnesses. Once you are diagnosed of suffering from any one of these critical illnesses, immediate cash will be provided to relieve you from the financial burden in receiving advanced medical treatments.

Crisis Protection Plan		All figure in HK$
Crisis Protection Plan		Plan A	Plan B	Plan C
a.	Crisis Cover Benefits	250,000	500,000	1,000,000
b.	Rehabilitation Benefits with Chinese Medication and Supplement We provide a lump sum benefits for rehabilitation with Chinese medication and supplement if you are diagnosed with a critical illness and has undergone a surgical operation or received chemotherapy or radiotherapy	HK$80,000
c.	Second Opinion Benefits Your can seek for professional detailed second opinion oncology consultation at a discounted rate	This service is arranged by AmMed Health Services Limited.
d.	Health Check-up Benefits We cover the expenses of health check-up once every 2 years to encourage you to live healthily, up to:	80% of the expenses up to HK$500	80% of the expenses up to HK$750	80% of the expenses up to HK$1,000

Note

a.	Any illnesses diagnosed during the waiting period of 90 days from the first effective date of Crisis Protection Plan shall not be covered.
b.	The Insured Person must be alive for at least 14 days after being first diagnosed of a covered critical illness.
c.	Health check-up is referred to the general health examination take place during the period of insurance (except as specified in (c) ), excluding examination primarily for teeth, eye sight, hearing and fertilization. All health check-up should be signed and certified by registered doctors or professional technicians.
d.	The health check-up benefits shall only be provided upon expiry of waiting period under Crisis Protection Plan.

List of Critical Illnesses covered in Crisis Protection Plan

Cancer

Cancer

Illnesses related to the Heart

Cardiomyopathy
Coronary Artery Disease Requiring Surgery
Heart Attack
Heart Valve and Structural Surgery
Primary Pulmonary Arterial Hypertension
Surgery to the Aorta

Illnesses related to the Nervous System

Alzheimer’s Disease
Bacterial Meningitis
Benign Brain Tumour
Brain Surgery
Coma
Encephalitis
Major Head Trauma
Motor Neurone Disease
Multiple Sclerosis
Muscular Dystrophy
Paralysis
Parkinson's Disease
Poliomyelitis
Stroke

Illnesses related to Major Organs and Functions

Blindness
Chronic Liver Disease
Deafness
End Stage Lung Disease
Fulminant Viral Hepatitis
Kidney Failure
Loss of Independent Existence (before age 65)
Loss of Speech
Major Burns
Major Organ Transplantation
Medullary Cystic Disease
Severance of Limbs
Total and Permanent Disability (before age 65)

Other Major Illnesses

AIDS due to Blood Transfusion
Aplastic Amaemia
Elephantiasis
Occupationally Acquired HIV
Severe Rheumatoid Arthritis
Terminal Illness

Advantages


Advantages
1.	Daily Cash Benefits PRUchoice HealthCare offers Hospital Cash Protection Plan to provide you a daily hospital cash for hospitalization. You are free to use the hospital cash as you may wish to meet your financial needs. The benefit amount shall be doubled during the days of receiving surgery operation or the period of admission to Intensive Care Unit (ICU).
2.	100% Cash Benefits for Critical Illnesses PRUchoice HealthCare also offers you Crisis Protection Plan to provide you 100% cash benefits when you misfortunately contract any covered critical illnesses, helping you and your family getting through an unexpected dreadful burden.
3.	Rehabilitation Benefits with Chinese Medication and Supplement Use of Chinese Medication and supplement is getting popular in our community. In the Crisis Protection Plan of PRUchoice HealthCare, we provide lump sum cash benefits for rehabilitation with Chinese medication and supplement right after surgery treatment or receiving chemotherapy or radiotherapy for the covered critical illness.
4.	Health Check-Up Benefits Prevention is better than cure. To encourage you to upkeep a healthy life at all times, we provide a health check-up indemnity for every 2 years.
5.	Extra 10% Discount if you insure both What’s more? If you insure both Hospital Cash Protection Plan and Crisis Protection Plan now, an extra 10% client discount will be given.

Premium

Hospital Cash Protection Plan
Premiums are per person covered

	Plan A: HK$500/day		Plan B: HK$1,000/day		Plan C: HK$1,500/day
	Monthly	Yearly	Monthly	Yearly	Monthly	Yearly
15/days - 9	90	1,008	180	2,016	270	3,024
10 - 19	56	622	111	1,245	167	1,867
20 - 29	46	521	93	1,042	139	1,562
30 - 39	58	652	116	1,304	174	1,955
40 - 49	94	1,058	189	2,117	283	3,175
50 - 59	135	1,518	271	3,036	406	4,554
60 - 64	281	3,147	561	6,293	842	9,440
65 - 69*	281	3,147	561	6,293	842	9,440
70 - 75*	462	5,180	924	10,361	1,386	15,541

*For renewal only

Crisis Protection Plan
Non-smoker

	Plan A: HK$250,000		Plan B: HK$500,000		Plan C: HK$1,000,000
	Monthly	Yearly	Monthly	Yearly	Monthly	Yearly
0 - 14	95	1,060	151	1,695	235	2,639
10 - 19	79	882	123	1,383	183	2,057
20 - 29	92	1,035	147	1,651	228	2,557
30 - 39	128	1,431	209	2,348	344	3,854
40 - 49	232	2,604	393	4,408	686	7,691
50 - 59	523	5,865	904	10,140	1,638	18,364
60 - 64	882	9,885	1,535	17,205	2,812	31,520
65 - 69*	1,241	13,911	2,166	24,281	3,987	44,696
70 - 75*	1,717	19,247	3,003	33,660	5,545	62,161

*For renewal only
Smoker

	Plan A: HK$250,000		Plan B: HK$500,000		Plan C: HK$1,000,000
	Monthly	Yearly	Monthly	Yearly	Monthly	Yearly
0 - 14	113	1,264	183	2,054	295	3,307
15 - 19	89	997	141	1,585	217	2,433
20 - 29	109	1,226	177	1,987	284	3,183
30 - 39	162	1,821	270	3,032	458	5,129
40 - 49	319	3,579	546	6,123	971	10,884
50 - 59	756	8,471	1,313	14,720	2,399	26,893
60 - 64	1,293	14,501	2,258	25,319	4,159	46,628
65 - 69*	1,832	20,540	3,205	35,933	5,922	66,392
70 - 75*	2,546	28,545	4,460	50,001	8,259	92,589

*For renewal only

Note:
The Company shall underwrite and impose loading or/and exclusions for substandard risk.

Remarks

Major Exclusions

Arising from war, invasion, civil war, hostilities and act of terrorism.
Pre-existing conditions, and any critical illness diagnosed or any hospitalization received during the waiting period.
Hospitalization for pregnancy, miscarriage, abortion, childbirth, birth control and treatment of infertility.
All illnesses including any relating hospitalization arising from abuse of drugs, alcohol, self-inflicted or sexually transmitted diseases.
All illnesses including any relating hospitalization arising from AIDS or HIV-related conditions. (If you have insured Crisis Protection Plan, this exclusion is not applicable to AIDS due to Blood Transfusion or Occupationally Acquired HIV under this protection.).
Hospitalization relating to congenital or hereditary conditions.
Hospitalization primarily for diagnostic scanning, X-ray examinations or physical therapy only.

(For more details, please refer to the Policy.)

prudential

Company Introduction

Academic Achievements Bachelor and Master Degree in Economics Professional Qualifications FCCA AHKSA United States Life Insurance Institute Fellow Member Work Experience Trained with KPMG Peat Marwick UK 15 years financial controllership in international corporations and regional office Specialized in accounting, personal income tax and trust management. Expert consultant in insurance financial planning