PRUmed Series

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PRUmed Series

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Min. Order: 1 Piece(s)
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Location:: ,Korea
Main Category:: Business Services
Main Products:: N/A

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Product Description



	Features
	PRUmed care
	PRUmed hospital care
	PRUmed surgical cash
	Remarks
	Product FAQ

Extra Medical Support to Sustain Your Joyful Life
At Prudential, we listen to and understand your worries about the ever-rising medical costs, that's why PRUmed Series is here to help protect you from suffering large out-of-pocket healthcare expenses.

Features

Obtain All-round Medical Protection with 3 Choices

PRUmed Series provides you with 3 supplementary medical benefits to help relieve your financial worries in times of hospitalization, which includes:

PRUmed care plan (PRUmed major attachable);
PRUmed hospital care plan; and
PRUmed surgical cash plan

These plans are available to any person aged 1* to 60 (age next birthday), giving you the choices to obtain an all-round medical protection.

Enjoy Coverage up to Age 75
The plans under PRUmed Series provide protection up to age 75 (age next birthday). PRUmed care plan is guaranteed yearly renewable while PRUmed hospital care plan and PRUmed surgical cash plan are 5-year renewable. Upon renewal, your premium will be adjusted to reflect the attained age of the life assured.

Combine Plans to Build a Complete Safety Net
The plans under PRUmed Series can ride on our various selected life insurance plans, giving you a combination of living benefit and life protection.

* Age 1 (age next birthday) means that the life proposed must be at least 30 days old when the proposal form is signed.

PRUmed care

PRUmed care plan provides 24 hours hospitalization and surgical benefits.
In addition to basic confinement and surgical benefits, the plan also covers accident and even compassionate death benefit.
You have high flexibility to choose between different levels of the benefits according to your needs and budget.
You will also enjoy free 24 hours Worldwide Emergency Assistance Services provided by the Inter Partner Assistance Hong Kong Limited.*
With a small additional premium, you can take out PRUmed major to cover extra expenses incurred the excess of the PRUmed care plan.
The plan can be attached to most of your basic life insurance plans to provide you with greater protection.

* The free Worldwide Emergency Assistance Services will be valid from the commencing date of the PRUmed care plan and will be provided as long as the PRUmed care plan remains inforce. The Company reserves the right to change the service provider.

Benefit Schedule

PRUmed care plan - Core Benefit

Coverage	Maximum Benefit
Coverage	Ward	Semi-private	Private
1) Confinement Benefits
i. Hospital Daily Room & Board (maximum 90 days)	US$85 per day	US$170 per day	US$365 per day
ii. Doctors' Visits (maximum 90 days)	US$75 per day	US$150 per day	US$330 per day
iii. Miscellaneous Expenses (per confinement)	US$880	US$1,650	US$2,200
iv. Intensive Care (maximum 90 days)	US$400 per day	US$700 per day	US$1,100 per day
2) Surgical Benefits
i. Surgical Fees^#1(per confinement)	US$4,200	US$6,200	US$9,300
ii. Anesthetist's Fees	35% of the eligible expenses payable under Surgical Fee
iii. Operating Theatre Fees	35% of the eligible expenses payable under Surgical Fee
3) Emergency Out-patient Treatment Benefit (due to accident)	US$700	US$1,200	US$1,700
4) Post Hospitalization Benefits
i. Daily Post Surgery Home Nursing (1 visit/day for a maximum of 15 visits within 31 days after hospitalization)	US$75 per day	US$75 per day	US$ 170 per day
ii. Chiropractor/Physiotherapist Consultation (1 visit/day for a maximum of 10 visits within 90 days after hospitalization)	US$35 per day	US$35 per day	US$50 per day
5) Death Benefits
i. Compassionate Death Benefit	US$ 1,000	US$2,500	US$5,000
ii. Accidental Death Benefit	US$1,000	US$2,500	US$5,000
iii. Medical Accident and Incident Extension Benefit	US$ 11,000	US$22,000	US$43,000

Free Worldwide Emergency Assistance Services
Access to 24-hour emergency telephone service	Repatriation of mortal remains/ashes (unlimited cover)
Medical evacuation (unlimited cover)	Travel information, medical information, legal referral, interpreter referral, etc.
Repatriation to Hong Kong (unlimited cover)	Hospital deposit guarantee up to HK$39,000

^#1Surgical fee payable is limited to a percentage of the respective maximum benefits as shown above. The percentage depends on the degree of complexity of the operation.

PRUmed major plan - Optional Benefit

Coverage	Maximum Benefit
Coverage	Ward	Semi-private	Private
Covers 80% of the actual charges in excess of the basic coverage of PRUmed care plan [Part 1), 2), 3) & 4)]^#2	US$8,500	US$ 17,000	US$34,000

^#2For Part 1) i, ii, & iv on Confinement Benefits, the benefits will be payable starting from the 91st day of confinement. For Part 4)i & ii, the benefits will commence from the 16th and 11th visit respectively up to a maximum of 16 and 21 visits respectively. Coverage for PRUmed major plan will be subject to the daily and maximum limits as stated in the Benefit Schedule.

PRUmed hospital care

The plan provides 24 hours hospitalization benefit.
The daily cash benefit is payable in full regardless of the actual hospital expenses.
You are totally free to spend the cash payable whichever way you choose.
The benefit is payable in addition to any other medical insurance benefits.
The benefit can be attached to most of the life insurance plans for more comprehensive protection.

PRUmed surgical cash

The plan provides 24 hours surgical benefit.
The benefit will be payable for a surgery due to illness or injury irrespective of the actual charges in a hospital.
You have the total freedom to spend the cash payable whichever way you choose.
The benefit covers for up to 5 surgeries performed within a policy year or resulting from the same illness/ injury.
The benefit is payable in addition to any other medical insurance plans.
It can be attached to most of the life insurance plans for more comprehensive protection.

Severity Rating Table

The table below Illustrates the severity rating for some common surgeries:

Organ Parts	Conditions	Surgical Procedure	Severity Rating	Sum Assured
Skin	Burns (more than 10%)	Dressing	1	5%
Tonsils	Abscess	Drainage	1	5%
Bronchus	Foreign Body	Removal (Bronchosopic)	2	10%
Anus	Hemorrhoids	Hemorrhoidectomy	2	10%
Breast	Lump (Single)	Excision	2	10%
Cornea	Laceration	Repair by Conjunctival Flap	22	10%
Tendon-Achilles (Lower Limb)	Distruption	Repair	3	20%
Appendix	Various Lesions	Appendicectomy	33	20%
Breast	Tumor (Malignant)	Simple Mastectomy	3	20%
Lower Limb	Various Lesions	Amputation	4	30%
Heart	Coronary Disease	Coronary Angioplasty (Transluminal)	4	30%
Stomach	Ulcer	Vagotomy (All Types)	4	30%
Knee	Dislocation	Open Reduction with Repair of Ligaments	5	50%
Larynx	Tumor/Various Lesions	Laryngectomy	55	50%
Retina	Detachment	Resection	5	50%
Heart	Coronary Disease	Coronary Artery Bypass Graft	6	75%
Uterus	Malignant Condition	Wertheim's Operation	6	75%
Finger	Trauma	Replantation (Single))	6	75%
Liver	Trauma/Tumor	Liver Transplant	7	100%
Kidney	Renal Failure	Transplant	7	100%

Remarks

PRUmed care plan

MAJOR EXCLUSIONS

Pre-existing conditions; illness or symptoms of illness occurring within 30 days from the effective date of the benefit plan or from the date of any reinstatement;
Hospitalization, treatment or charges directly or indirectly due to: pregnancy, childbirth or termination of pregnancy, infertility or human assisted reproduction; war, hostilities, rebellion, insurrection, riot or civil commotion, participation in any criminal offence; attempted suicide or self-inflicted injuries; scuba diving or engaging in or taking part in any kind of race other than on foot; cosmetic treatment, dental treatment, corrective aids & treatment of refractive errors unless necessitated by injury caused by an accident and such injury occurs within 90 days from the date of the accident; treatment or tests related to AIDS, HIV or AIDS related complex; alcohol; drug abuse; congenital or inherited disorder (applicable to life assured of attained age below 14); mental disorder; appliances such as spectacles, lenses, hearing aids or wheelchairs; convalescence, physical examinations or health check-ups; vaccination and immunisation injections; treatment or tests not consistent with customary medical treatment or diagnosis; any fee and medical service not in accordance with standards of good medical practice and/or the professional and hospital charges exceeding the usual charges at the location where such service was performed.

PRUmed hospital care plan

MAJOR EXCLUSIONS

Pre-existing conditions; illness or symptoms of illness occurring within 30 days from the effective date of the benefit plan or from the date of any reinstatement;
Injury or illness directly or indirectly due to: pregnancy, childbirth or termination of pregnancy, birth control, infertility or human assisted reproduction; war, hostilities, rebellion, insurrection, riot or civil commotion, participation in any criminal offence; attempted suicide or self-inflicted injuries; cosmetic treatment or dental treatment unless necessitated by injury caused by an accident and such injury occurs within 90 days from the date of the accident; scuba diving or engaging in or taking part in any kind of race other than on foot; congenital or inherited disorder (applicable to life assured of attained age below 14); treatment or tests related to AIDS, HIV or AIDS related complex; alcohol; drug abuse; mental disorder; convalescence, physical examinations; health check-ups; treatment or tests not consistent with customary medical treatment or diagnosis, etc.

Remarks: If the life assured is confined to any Hospital outside the Benefit Area, the Company will reduce the benefit by 50% and pay for a maximum of 90 days for each confinement. Benefit Area includes 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.

PRUmed surgical cash plan

MAJOR EXCLUSIONS

Pre-existing conditions; illness or symptoms of illness occurring within 30 days from the effective date of the benefit plan or from the date of any reinstatement;
Injury or illness directly or indirectly due to: pregnancy, childbirth or termination of pregnancy, birth control, infertility or human assisted reproduction; war, hostilities, rebellion, insurrection, riot or civil commotion, participation in any criminal offence; attempted suicide or self-inflicted injuries; cosmetic treatment or dental treatment unless necessitated by injury caused by an accident and such injury occurs within 90 days from the date of the accident; scuba diving or engaging in or taking part in any kind of race other than on foot; congenital or inherited disorder (applicable to life assured of attained age below 14); treatment or tests related to AIDS, HIV or AIDS related complex; alcohol; drug abuse; mental disorder; convalescence, physical examinations; health check-ups; treatment or tests not consistent with customary medical treatment or diagnosis, etc.

Remarks: If the life assured undergoes a surgical operation in any Hospital outside the Benefit Area, the Company will reduce the benefit by 50%. Benefit Area includes 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.

Product FAQ

Q: What kind of benefits does PRUmed series provide?
A: PRUmed provides you with three different plans including PRUmed care plan / PRUmed major plan, PRUmed hospital care plan and PRUmed surgical cash plan to help relieve your financial worries in case of hospitalization. These three plans are all supplementary benefits and can be attached to most of your basic life plans.

Q: Am I eligible to join?
A: For PRUmed care plan and the optional PRUmed major plan, these plans are available to any persons aged between 1 and 60 (age next birthday).

Q: When will the benefit commence?
A: Immediate coverage is provided for injury due to accidents once the policy has been issued. Benefits will be payable if the symptoms of the illness appeared or diagnosed by a registered doctor after 30 days from the effective date of the benefit plan or from the date of any reinstatement.

Q: Is there any maximum limit on the coverage?
A: For the maximum coverage of PRUmed care plan, please refer to the Benefit Schedule. PRUmed hospital care plan covers you for up to 1,000 days for each confinement. PRUmed surgical cash plan covers you for a maximum of 5 surgeries performed within a policy year or resulting from the same illness/injury.

Q: How long will the benefit last?
A: The plans under PRUmed Series provide protection up to age 75 (age next birthday). PRUmed care plan is guaranteed yearly renewable while PRUmed hospital care plan and PRUmed surgical cash plan are 5-year renewable. Upon renewal, your premium will be adjusted to reflect the attained age of the life assured.

Q: What if I am covered by another medical insurance plan?
A: For PRUmed care plan, we will only reimburse the actual outstanding unpaid eligible expenses if you have received any compensation or reimbursement from other group or individual medical insurance. The benefits of PRUmed hospital care plan and PRUmed surgical cash plan are payable regardless of the benefits you receive from other medical insurance plans.

Q: Can I take out PRUmed care plan, PRUmed major plan, PRUmed hospital care plan and PRUmed surgical cash plan all at the same time?
A: You are free to choose any one of the plans or take out all the covers so as to enjoy the greatest protection.

Q: Shall I receive two claims payment for surgical fees if I undergo one surgery in Hospital and another surgery in a clinic of a Registered Doctor within 90 days from the previous discharge date of hospital?
A: If two surgeries are arising from the same or related injury or illness, we will regard this as one "Confinement" and the surgical fees payable cannot exceed the maximum benefit limit per confinement multiplied by the maximum percentage of the most complicated surgery as listed in the Surgical Procedure Schedule of the PRUmed care plan. Please refer to the policy contract for the detailed definitions of "Confinement" and "Surgical Fees".

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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