Medical Network - Medical Expenses Direct Billing Service (Previously known as “Cashless Service”)
Medical Network - Medical Expenses Direct Billing Cancer Treatment Service in Hong Kong and Greater Bay Area
Service Features
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Medical network has been extended to include Oncology specialty. Eligible customers could choose to receive cancer treatment at designated medical centre in Hong Kong or the Greater Bay Area to use the Medical Expenses Direct Billing Service.
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Under the "Cancer Patients Shared Care" model^ which allows customers to receive support through face-to-face medical consultation or remote video consultation from designated medical centres (please check with our network medical specialist list) during their cancer treatment.
^ Operated by attending doctors and healthcare professionals from both regions, the "Cancer Patients Shared Care" model aims to provide coordinated and patient-centred healthcare services throughout the entire cancer treatment process. Medical centres in Hong Kong and GBA will collaborate in developing treatment plans for patients in need. Eligible Prudential customers can choose to receive cancer treatment services from designated medical centre in Hong Kong or GBA, to gain support from both oncology centres during their cancer treatment journey through face-to-face medical consultation or remote video consultation.
Benefit Highlights
Diverse medical network
One-stop network doctor booking Service
Instant pre-authorisation in our medical network and waiver of credit card authorisation
Hassle-free on medical expense and claim procedure
Remark: Medical Expenses Direct Billing Service is only applicable to Covered Plans. Medical Expenses Direct Billing Service is an administrative arrangement in respect of covered medical expenses incurred and is provided by third-party service providers. Prudential shall not accept any responsibility or liability for the services provided by the service providers.
Terms and conditions apply.
Simple steps to the "Instant pre-authorisation" Medical Expenses Direct Billing Service in our medical network
Step 1
Make an appointment for network doctor and register a “H2P” number
- Call medical network booking and pre-authorisation hotline at (852) 2281 1345#. If you are in Mainland China, please contact us at 400 820 0125 or if you are in Macau, please contact us at 080 0406 for network doctor booking and “H2P” number registration; or
- Contact your financial consultant for “H2P” number registration and make an appointment for network doctor
Step 2
Register for consultation
- Present your medical eCard, identification document, “H2P” number registration SMS or doctor booking SMS upon visit to the network medical specialist
- The network medical specialist will submit the application
- Accept the terms & conditions via the link in SMS received
- The pre-authorisation result will be provided immediately
Step 3
Arrange medical expenses direct billing service
- We will settle the pre-approved bill directly after you completed your medical treatment or diagnostic imaging test
Our Medical Network Medical Expenses Direct Billing Service covers the following areas of treatment:
Day surgeries and Hospitalisation
Below medical insurance plans can enjoy this value-added service.
Medical insurance plans applicable for Day Surgery Medical Expenses Direct Billing Service includes:
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PRUmed better care plan
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PRUmed health care plan
Medical insurance plans applicable for Hospitalisation Medical Expenses Direct Billing Service includes:
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PRUmed better care plan
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PRUmed health care plan
Covered day surgeries include:
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Oesophago-Gastro Duodenoscopy (OGD) / Colonoscopy
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Ophthalmology
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Dermatology & Venereology
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Otorhinolaryngology
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Urology
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Obstetrics & Gynaecology
Our network doctor would apply the medical expenses direct billing service for you. Terms and conditions apply.
The approved amount is subject to the benefit limit of individual plan. Please refer to the benefit schedule of related plan for details.
Diagnostic imaging Test
Medical expenses direct billing service for diagnostic imaging test is applicable to PRUmed lifelong care plan, PRUHealth CoreChoice Medical Plan, PRUHealth FlexiChoice Medical Plan, PRUHealth VHIS EasyChoice Plan and PRUHealth VHIS VIP Plan. Covered tests include:
Magnetic Resonance Imaging
(MRI)
Computed Tomography
(CT)
Positron Emission Tomography
(PET)
Our network centre would apply the medical expenses direct billing service for you. Terms and conditions apply.
The approved amount is subject to the benefit limit of individual plan, please refer to the benefit schedule of related plan for details.
Medical Expenses Direct Billing Service at non-network hospitals
Applicable to PRUmyhealth prestige medical plan, PRUhealth medical plus and PRUHealth VHIS VIP Plan
If you are covered by the below plans and are going to receive medical services from a doctor who is not in the Medical Network, you can enjoy our medical expenses direct billing service too. With our pre-authorisation, we will pay your eligible medical costs directly to private hospitals. You will also know in advance how we cover you before your visit and we will tell you any costs we don’t cover.
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Plan |
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Incident location |
Worldwide |
Outside Asia (including Australia and New Zealand) |
Asia (including Australia and New Zealand) |
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Feature |
Available in most private hospitals of major cities around the world, including all of the private hospitals in Hong Kong and Macau. |
Available in most private hospitals of major cities around Asia as well as Australia and New Zealand, and all of the private hospitals in Hong Kong and Macau. |
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Pre-authorisation hotline |
(852) 2281 1180# (24-hour service) (Hong Kong) 400 820 0192 (Mainland China) 080 0292 (Macau) |
(852) 2281 1345# (Hong Kong) 400 820 0125 (Mainland China) 080 0406 (Macau) |
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Email Address |
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How to use medical expenses direct billing service at non-network hospitals:
- Please download and fill in the pre-authorisation form part I by yourself.
- If your attending doctor recommends hospitalization treatment, please ask your doctor to fill in the form part II.
- Please email the form to us for approval at least 3 working days before admission. The pre-authorisation result will be provided in 3 working days.
Terms and conditions apply.
* Applicable to new policies effective from 1 October 2023; or existing policies renewed on or after 1 October 2023. For details, please refer to benefit schedule.
# You will be required to pay the IDD/international roaming service fee to the telecommunications service provider if you call from outside Hong Kong (including Macau).