- Policy currencies
- USD
- Premium payment terms
- Single premium / 6 years / 9 years / 12 years
Prudential Encash Hospital Cash Savings Insurance
Last checked
At a glance
- Insurer
- Prudential Hong Kong Limited
- Product category
- Other
- Policy currencies
- USD
- Premium payment terms
Premium payment terms (4)
Premium payment terms 5 years 10 years 15 years 20 years - Issue ages & basis
Issue ages & basis (8)
Issue ages & basis Recorded information Premium payment terms / Age basis 1 year to 65 years 5-year; Non-smoker; at least 15 days old.
Age basis: Age next birthday1 year to 55 years 5-year; Smoker; at least 15 days old.
Age basis: Age next birthday1 year to 65 years 10-year; Non-smoker; at least 15 days old.
Age basis: Age next birthday1 year to 55 years 10-year; Smoker; at least 15 days old.
Age basis: Age next birthday1 year to 60 years 15-year; Non-smoker; at least 15 days old.
Age basis: Age next birthday1 year to 55 years 15-year; Smoker; at least 15 days old.
Age basis: Age next birthday1 year to 55 years 20-year; Non-smoker; at least 15 days old.
Age basis: Age next birthday1 year to 50 years 20-year; Smoker; at least 15 days old.
Age basis: Age next birthday
- Hospital cash and whole-life protection with guaranteed cash value and non-guaranteed terminal bonus.
Decision sheet
5 of 13 known · 0 not published · 8 not yet checked
- What it pays and when
Benefit term: Whole lifePublic source · Checked:
Recorded features: Hospital cash and whole-life protection with guaranteed cash value and non-guaranteed terminal bonus.Public source · Checked:
- Benefit limits
- not yet checked
- Premium and payment term
Premium payment terms: 5 years / 10 years / 15 years / 20 yearsPublic source · Checked:
5/10/15/20-year premiums; issue-age maxima are lower for smokers and depend on the chosen term.Public source · Checked:
- How premiums can change
- not yet checked
- Guaranteed / non-guaranteed
Hospital cash and whole-life protection with guaranteed cash value and non-guaranteed terminal bonus.Public source · Checked:
- Waiting periods
- not yet checked
- Main exclusions
- not yet checked
- Surrender / cancellation
- not yet checked
- Cooling-off
Cancellation notice must reach the insurer within 21 calendar days after delivery of the policy or its availability/cooling-off notice, whichever is earlier; follow the brochure’s written-notice requirements. For basic cover only; rider cancellation follows the attached policy.Public source · Checked:
- Riders
- not yet checked
- Claims steps
- not yet checked
- Policy servicing from abroad
- not yet checked
- Complaints and dispute routes
1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:
2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:
3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:
ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:
Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.
Questions to ask before buying
Questions to ask before buying (11)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- When and how can premiums change?
- What waiting periods apply?
- What exclusions apply?
- What are the cancellation terms and any surrender value or charges?
- Which riders are available, and what are their costs and terms?
- What are the claim steps, documents and deadlines?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- Which benefits and values are guaranteed, and which are not?
Belongs to
Belongs to
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
More product information from this insurer:
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Similar products from other insurers
Similar products from other insurers
- Policy currencies
- USD
- Premium payment terms
- 15 years / 20 years / 25 years / 30 years
- Policy currencies
- USD
- Premium payment terms
- Single premium / 5 years
- Policy currencies
- USD
- Premium payment terms
- Single premium / 5 years
- Policy currencies
- HKD / USD
- Premium payment terms
- 6 years / 10 years
- Policy currencies
- HKD / USD
- Premium payment terms
- 3 years
Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Product category | Other | ||||||||||||||||||
| Policy currencies | USD | ||||||||||||||||||
| Premium payment terms | 5 years 10 years 15 years 20 years | ||||||||||||||||||
| Benefit term | Whole life | ||||||||||||||||||
| Issue ages & basis |
| ||||||||||||||||||
| Recorded features | Hospital cash and whole-life protection with guaranteed cash value and non-guaranteed terminal bonus. |
Names in other languages
- English
- Prudential Encash Hospital Cash Savings Insurance
- 繁體中文
- 保誠加護一生住院現金儲蓄保險
- 简体中文
- 保诚加护一生住院现金储蓄保险
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- Prudential Encash Hospital Cash Savings Insurance — official product page (en)
Source date: Not confirmed
- 保誠加護一生住院現金儲蓄保險 — official product page (zh-hant)
Source date: Not confirmed
- 保诚加护一生住院现金储蓄保险 — official product page (zh-hans)
Source date: Not confirmed
- Prudential Encash Hospital Cash Savings Insurance — public brochure
Source date: Not confirmed / Page: 13
- Prudential Encash Hospital Cash Savings Insurance — public brochure
Source date: Not confirmed / Page: 2