How to pay for your general insurance

We accept HKD crossed cheques. The cheque should be payable to "Prudential General Insurance Hong Kong Limited. Please write down the name of the policyowner, the policy number and the premium amount on the back of the cheque.

This method is applicable to all insurance product(s) of Prudential General Insurance Hong Kong Limited.

Crossed cheques can be mailed together with the completed application form and addressed to:

Prudential General Insurance Hong Kong Limited
P.O. Box No. 28162 Gloucester Road Post Office Hong Kong

Note:

• Please do not send us cash, post-dated cheques or e-Cheques.

• The maximum payment limit is subject to the account balance of the client’s current account.

You can make your payment via Bank of China cheque deposit machines, by depositing crossed cheques in HKD issued by Hong Kong banks. This method is applicable to all insurance product(s) of Prudential General Insurance Hong Kong Limited.

Note:

• Please state clearly the policyholder name, policy number and the contact telephone number at the back of the cheque.

• You can only pay for one item per policy with each cheque.

• If you do not follow the guidelines set by our company, you may potentially suffer from losses due to overdue payments.

• This service is not applicable for depositing cheques into the Drop In Box of Bank of China (Hong Kong).

• The maximum payment limit is subject to the account balance of the client’s current account.

Steps to access the cheque deposit machine:

1. Press “Start” on the screen and select your display language.

2. Select “Bill Payment Service”.

3. Select Merchant Category (“Insurance” / “Pension”).

4. Select Merchant (“Prudential - General Insurance”).

5. Select Bill Payment type (“01 - General Insurance – Premium”).

6. Key in Billing Number (i.e. Policy Number: the 12-digit number which starts with 9).

7. Enter the total amount of the cheque.

8. Insert the unfolded cheque into the cheque insertion slot.

9. The transaction is completed. Please take the customer advice slip.

This method is applicable to all insurance product(s) of Prudential General Insurance Hong Kong Limited. The maximum payment limit is subject to the account balance of the client’s account.
Your premium may be settled through internet banking bill payment services offered by the following banks:

• AEON Credit Service

• Bank of China

• Bank of Communications

• Bank of East Asia

• China Construction Bank

• Chong Hing Bank

• Citibank

• China CITIC Bank International

• Dah Sing Bank

• DBS Bank

• Fubon Bank

• Hang Seng Bank

• HSBC

• Shanghai Commercial Bank

• Standard Chartered Bank

• Wing Hang Bank

• Wing Lung Bank

Note:

• Please allow 3 working days for payment processing.

Steps:

Note: 

Please allow 3 working days for payment processing.

1. Select "Bill Payment".

2. Select "Enter merchant code".

3. Enter merchant code "9228", then press "Enter".

4. Enter bill type and press "Enter".

5. Key in the 12-digit Policy Number for Billing Number and press "Enter".

6. Key in the amount and press "Enter".

7. Review and confirm the payment.

This service is applicable for the following PRUChoice products only: 

• PRUChoice Personal Accident

• PRUChoice Motor

• PRUChoice Personal Accident Plus

• PRUChoice Golfers

• PRUChoice Medical

• PRUChoice China Accidental Emergency

• PRUChoice Travel

• PRUChoice HealthCheck

• PRUChoice Maid

• PRUChoice HealthCare

• PRUChoice Home

• PRUChoice MediExtra

• PRUChoice Clinic

• PRUChoice Home Deluxe

• PRUChoice Home Landlord

• PRUChoice Travel Working Holiday

• PRUChoice Travel Overseas Study

• PRUChoice China Protection

• PRUChoice Cruise Travel

* Credit card payment is available for PRUeShop only

Note:

• Only one credit card can be used to make payment for each application or policy. The client must provide the credit card holder’s name, credit card number and the expiry date.

• The transfer date for credit cards is on the 6th of each month. If the debit date falls on Saturday, Sunday or a Hong Kong public holiday, it will be postponed to the next business day. Generally speaking, banks will process your transfer on our specified debit dates, but there may be delays due to internal arrangements of individual banks. To ensure successful transfers, please reserve sufficient credit in your credit card account before and after the above-mentioned debit days in case the bank postpones our scheduled debit days.

This service is applicable for the following PRUChoice products only:

• PRUChoice Personal Accident

• PRUChoice Personal Accident Plus

• PRUChoice Medical

• PRUChoice MediExtra

   

If you’ve chosen a yearly payment mode, please submit a cheque for your 1st year’s premium to allow the activation of the autopay service.
If you’ve chosen a monthly payment mode, please submit a cheque for first 2 months’ premium to allow the activation of the autopay service.
The transfer date for autopay is on the 6th of each month. If the debit date falls on Saturday, Sunday or a Hong Kong public holiday, it will be postponed to the next business day. Generally speaking, banks will process autopay on our specified debit dates, but there may be delays due to internal arrangements of individual banks. To ensure successful autopay, please reserve a sufficient amount in your bank account before and after the above-mentioned debit days, in case the bank postpones our scheduled debit days.

Note:

• Please allow 3 working days for payment processing.

You can make your payment by presenting a Debit Note at any 7-Eleven convenience stores in Hong Kong. Please present the QR code printed on the Debit Note for payment in cash and retain your receipt for payment record.

• This service is only applicable for personal insurance products.

Regardless of which method you use to hand in the cheque, these restrictions apply.

• Financial consultants cannot issue the cheques. Unless he / she is the customer himself / herself, or the financial consultant is a direct relative to the policyholder and can provide associated proof of document (e.g. copies of birth certificate / marriage certificate) or a letter of authorisation.
• A cheque issued by a third-party is not acceptable. Unless the payee is a direct relative of the policyholder and can provide associated proof of document (e.g. copies of birth certificate / marriage certificate), with a “third party authorization letter” signed by the payee and the policyholder. If the cheque is over HK$200,000, the payee must also submit his / her copies of HKID, passport and visa support.
• Companies cannot issue cheques unless the company is the policyholder.
• Dated cheques / one cheque to settle different policies under different policyholders’ names are also not acceptable.
• Any payment should not be placed into the Drop In Box. If you've accidentally placed your payment into such a box, you're fully responsible to alert the staff within the branch.

In addition, if under one policy with 2 separate payment items, i.e. renewal premium and Loan repayment, customer is required to pay the related premium via 2 individual cheques. If for instance, a customer pay more than one item using only one cheque, system will not be able to split the payment by item. In this case, customers may suffer from subsequent loss due to delay in payment.

• Make sure you put the correct payee name on the cheque. For life insurance plans, please make the cheque payable to "Prudential Hong Kong Limited". For general insurance plans, please make the cheque payable to "Prudential General Insurance Hong Kong Limited".
• Deposited cheques must be verified and approved to be valid.
• When depositing cheques, please do not attach the cheque with other paper, paper clips, elastic bands etc.
• Insert the unfolded cheque into the cheque insertion slot.
• Place the front of cheque facing the top when inserting the cheque and place the section with signature to the right hand side of the cheque insertion slot.

If you've completed your cheque deposit before the payment cut off time, the transaction will be reflected in your policy account on the following working day. Cheques deposited from Monday to Friday (after 5 p.m.) including Saturdays or Sundays, and public holidays will be handled on the next working day.