PremierFlex Medical Plan
You don't just want options - you want medical freedom that encompasses flexibility, professionalism, priority and autonomy, from prevention and diagnosis to treatment and recovery.
Product edge
Whether you are relocating or travelling for leisure or business, high quality medical protection is your pass to health.
Click to see how our PremierFlex Medical Plan gives you access to top-notch medical service for life, truly achieving healthcare freedom locally and abroad; and comprehensively supports you through prevention, diagnosis and treatment to recovery.
Coverage area of your choice
Unlock worldwide healthcare freedom
Optional supplementary Outpatient Care Benefit
HealthCare+
e-platform
Benefit at a glance
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Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
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|
Coverage area |
Greater China* |
Greater China* |
Worldwide |
Worldwide |
|
|
Private hospitals |
Within Hong Kong, |
✓ |
✓ |
✓ |
|
|
Public hospitals |
✓ |
✓ |
✓ |
✓ |
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|
Covered room |
- Mainland China |
Standard single room |
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- Hong Kong and Macau |
Semi-private room |
Private room |
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- Other areas (except mainland China, Hong Kong and Macau) |
Private room |
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Overall annual limit |
HKD5,000,000 |
HKD8,000,000 |
HKD20,000,000 |
HKD30,000,000 |
|
|
Overall lifetime limit |
HKD24,000,000 |
HKD24,000,000 |
HKD60,000,000 |
HKD70,000,000 |
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|
|
Option 1 |
Option 2 |
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|
Deductible |
- Mainland China |
HKD10,000 |
HKD0 |
HKD10,000 |
|
|
- Outside mainland China |
HKD30,000 |
HKD0 |
HKD30,000 |
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|
Outpatient Care Benefit (optional) Overall annual limit |
HKD30,000 |
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*Greater China covers mainland China, Hong Kong, Macau and Taiwan only.
The above table is a summary of the benefits of the PremierFlex Medical Plan for reference only. For the complete benefit schedule, please refer to the product brochure.
Comprehensive protection
Prevention
Diagnosis
Treatment
Recovery
Dedicated value-added services
HealthCare+ e-platform
Giving you help for both minor ailments and major illnesses
Worried about seeking help when facing illness? Through HealthCare+, you can enjoy [Rare-in-Hong Kong market] a series of thoughtful and dedicated value-added services in just one stop, including:
Medical Green Channel in mainland China
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Over 1,000 3A-Grade hospitals, covering around 300 cities across more than 30 provinces / municipalities
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The service applies to outpatient and inpatient visits
Second Medical Opinion
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Connects you with leading experts to get a second medical opinion on your medical condition
Medical Expenses Direct Billing
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Cover designated medical institutions network in mainland China & Hong Kong
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[Rare-in-Hong Kong & the mainland China market] Greater Bay Area Cross-border Cancer Treatment Medical Expenses Direct Billing
[Rare-in-Hong Kong market] Global Drug Search
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Special drug search service in mainland China for malignant tumours
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Drug search service for areas outside mainland China
Please refer to here for more details of the dedicated value-added services.
Note: HealthCare+ and the dedicated value-added services do not form part of the plan.
We base our statements about the benefits and the value-added services of the plan being "rare-in-Hong Kong market" and "rare-in-Hong Kong and the mainland China market" on our understanding and interpretation of current market information, by comparing with other publicly available and similar medical insurance products provided by major Hong Kong and the mainland China life insurance companies for individual customers as of June 2024.
Learn more
Important Information
During the sales process, this document should be read in conjunction with the relevant product brochure. For full terms and conditions, and risk disclosures of the relevant insurance plan, please refer to relevant product brochure and policy document and read carefully.
Notes
PremierFlex Medical Plan and the Outpatient Care Benefit are underwritten by Prudential Hong Kong Limited or Prudential Hong Kong Limited (Macau Branch) (“Prudential”). You can always choose to take out this plan as a standalone plan without enrolling with other type(s) of insurance product at the same time, unless such plan is only available as a supplementary benefit which needs to be attached to a basic plan. This document does not contain the full terms and conditions of this plan and is for reference only. It does not represent a contract between Prudential and anyone else. You should read carefully the risk disclosures and key exclusions (if any) contained in the product brochure. For further details, including procedures for making claims and terminating policies and the full terms and conditions of this plan, please ask Prudential for a sample of the policy document.
Prudential has the right to accept or decline any application based on the information provided by the policyholder and / or life assured in the application.
Please cross your cheque and make it payable to “Prudential Hong Kong Limited”.
This document is for distribution in Hong Kong or Macau only. It is not an offer to sell or solicitation to buy or provide any insurance product outside Hong Kong or Macau. Prudential does not offer or sell any insurance product in any jurisdictions outside Hong Kong or Macau where such offering or sale of the insurance product is illegal under the laws of such jurisdictions.
