PRUmyhealth prestige medical plan

Benefit term: Renewable / Basic plan or supplementary benefit; the attached basic plan may end cover earlier.Public source · Checked: 13 Oct 2026

Recorded features: Worldwide medical cover excluding the USA, private room cover and a lifetime limit of HKD 70,000,000.Public source · Checked: 13 Oct 2026

Overall annual limit is HKD30,000,000 and lifetime limit HKD70,000,000, excluding wellness and death benefits.Public source · Checked: 13 Oct 2026

Premium payment terms: RenewablePublic source · Checked: 13 Oct 2026

Premium rates are not guaranteed and are reviewed yearly using attained age and the stated risk-class factors.Public source · Checked: 13 Oct 2026

Annual renewal is guaranteed subject to prevailing premiums, terms and benefit schedule and the plan remaining available to enrolled policyholders.Public source · Checked: 13 Oct 2026

The specified illness/diagnosis or symptom exclusion applies during the first 30 days from the brochure’s applicable effective date; listed exceptions and reinstatement rules must be read separately.Public source · Checked: 13 Oct 2026

The exclusion section lists pre-existing disease or symptoms and specified pregnancy, HIV, non-prescribed-drug/alcohol, non-medically-necessary and experimental-treatment exclusions, subject to benefit-specific exceptions.Public source · Checked: 13 Oct 2026

After renewal changes, cancellation in writing within thirty days of renewal refunds premiums paid since that renewal only if no claims have been or are made, under the stated rule.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

The plan can be a basic plan or supplementary benefit, with an optional Outpatient Benefit under separate terms.Public source · Checked: 13 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Log in to myPrudential, enter details, upload evidence, preview and submit; eligible network treatment can use direct billing.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Hospital claim form with doctor’s Part II; sufficient public-hospital discharge evidence may allow Part II waiver.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Hospital claim: within 90 days of discharge.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: myPrudential eClaims, financial consultant or post; eligible medical-network direct billing is a separate route.Public source · Checked: 13 Oct 2026

Medical / VHIS — Overseas claims / servicing: Overseas hospital claims can be submitted with relevant documents, subject to special-case exceptions and policy terms.Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: FPS payment is instant upon claim approval; eligible network direct billing pays expenses on the insured’s behalf.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Preliminary medical assessment: 5 working days from claim receipt; eClaims acknowledgement within 2 hours.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026

The covered room is private or below in the stated worldwide-excluding-USA area; annual deductibles apply under the selected option.Public source · Checked: 13 Oct 2026